BoE Base Rate: 4.50% (since 6 February 2025)

What Happens If My Customer Pays Early?

If your customer pays before the expected date, you pay less discount charge (interest) because the advance was outstanding for fewer days. Early payment is a good thing — it reduces your costs. The provider releases the reserve balance to you once payment clears, minus the (reduced) fees.

OM

Oliver Mackman

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 6 April 2026

Get 3 Free Invoice Finance Quotes

Compare providers in 60 seconds. No obligation.

Your details are secure. We only share them with matched providers. See our privacy policy.