More than money.

Working in partnership with you and your advisors to find the right invoice finance funding solution for you.

About Us

Why Praetura Invoice Finance?.

We think invoice finance should be more flexible.

We think invoice finance should put your business first.

We think invoice finance should give you cash flow freedom.

We are part of Praetura Group, which since 2011 has supported SMEs across the UK with over £500m in alternative equity and debt funding solutions.

Direct access to decision makers

Dedicated, experienced account manager

24/7 easy access finance platform

Flexible funding facility matched to your needs

Award-winning finance experts

How it works

What is Invoice Finance?.

We know that waiting to get paid can be frustrating and that the cash tied up in unpaid invoices could be put to better use helping you grow your business.

We can help by providing funding against these invoices, and where needed we will also provide a professional credit control service that works in tandem with your business to collect debts when they are due from your clients.


You send us your unpaid client invoices


We give you up to 90%, unlocking cash for your business


Either you choose to follow up, or we do credit control for you


When your client pays, we pay the rest to your business

Key Benefits

How invoice finance can help your business.

  • Funding your growth in revenue
  • Funding sales to new clients
  • Funding overheads and changes to cost base
  • Long client payment periods
  • Collecting payment from clients

Boost your business and your working capital. Stop wasting time chasing what you’re owed.

Our Services

What can we help with?.

Invoice Factoring

Invoice Factoring is for growing businesses looking for both funding and sales ledger management with credit control. Our team will handle all the hassle of sending customer statements and professionally chasing payments when they are due, along with providing working capital funding against outstanding debts. This facility can be offered on a disclosed or confidential basis.

Invoice Discounting

Invoice Discounting is a working capital solution whereby we release funds against outstanding invoices. With Invoice Discounting, full sales ledger management and credit control is retained within your business. Our team simply provide funding and you maintain the relationship with your customers. This facility can be offered on a disclosed or confidential basis.

Our People

Meet our team.

Ray Lowrey

Ray Lowrey

Managing Director

Ray has held numerous senior positions across various lenders and most latterly was National Head of Risk for Bibby Financial Services. He has over 30 years Invoice Finance experience across both high street and independent providers.

Carl Finlayson

Carl Finlayson

Sales Director

Carl is a proven banking professional who moved into Invoice Finance in 2010 at RBSIF. He held a number of sales roles and, before joining Praetura Invoice Finance, was Head of Business Development at Aldermore Bank for five years, leading the new business division.

Wayne Spratt

Wayne Spratt

Business Development Manager

Wayne boasts over 21 years’ invoice finance experience, working for both high street and independent funders, including RBS and Aldermore Bank. Wayne mainly covers Yorkshire and the North East, drawing on his extensive background in Relationship Management and New Business.

Laura Wilson

Laura Wilson

Business Development Manager

Laura covers the Midlands area as a Business Development Manager, which follows 20 years in the industry. Prior to Praetura, Laura worked as an auditor/surveyor at GE Capital and as a Relationship Manager and Business Development Manager at Bibby Financial Services.

Lee Winterbottom

Lee Winterbottom

Business Development Manager

Lee has worked in the invoice finance space since 2014, holding roles at Bibby Financial Services and Advantedge Commercial Finance (now E-Capital Commercial Finance). In April 2022 Lee joined Praetura as a Business Development Manager for the Manchester area.

Hayley Vinden

Hayley Vinden

Relationship Manager

Hayley is a Relationship Manager at Praetura and works alongside our clients, building relationships and answering queries as well as looking at the overall risk of the portfolio. Hayley started her career as a credit controller at Advantedge Commercial Finance (now E-Capital Commercial Finance) and has over nine years’ industry experience.

 Dan Murphy

 Dan Murphy

Graduate Business Development Executive

Dan previously held positions in retail, recruitment and banking before joining us in the invoice finance world as a Graduate Business Development Executive. A University of Salford graduate, Dan has a 1st class degree with honours in Business & Economics.

Contact Us

See how we can help.

You can talk to the Praetura Invoice Finance team today using the form below. Alternatively, you can email us at or call us on 0161 529 9730.