Last updated: November 6th, 2026

RPO invoice finance is invoice finance or factoring for recruitment agencies whose invoices are raised to a Recruitment Process Outsourcing (RPO) provider rather than to the end client. Funding these invoices can be harder to arrange, for reasons we explain below.

There are big revenue opportunities for recruitment agencies that supply candidates through an RPO. However payment terms of 30 to 60 days can make cash flow difficult to manage, especially when contractors are paid weekly.

That is why many agencies working with RPOs use invoice finance as their RPO funding, releasing the cash tied up in unpaid invoices. Knowing how to finance RPO invoices matters, because it is more complicated than standard recruitment funding. The RPO’s contract terms and the concentration of debt with one client both affect what a funder will offer.

With the right funder, it is possible to use invoice finance and factoring to release up to 100% of unpaid RPO invoices or timesheets.

If you do not work through an RPO and need funding for general temp, contract or permanent placements, see our main guide to recruitment invoice finance and factoring.

Apply now for an RPO invoice finance quote or call 0161 546 9128.

Contents hide

1 Invoice Finance For RPO Invoices

1.1 RPO Invoice Factoring

1.2 RPO Invoice Discounting

2 Apply for RPO Invoice Finance

Invoice Finance For RPO Invoices

When you place staff through a Recruitment Process Outsourcing company, you invoice the RPO, not the end client. This can make funding more difficult, but it is still possible with a funder that understands RPO arrangements.

We can also help with neutral vendor invoice finance, which works in a similar way.

Issues caused by RPO invoices include:

High debt concentration with one single client, the RPO
Invoicing the RPO instead of the end client
Contract terms with the RPO, such as pay when paid clauses

There are two types of invoice finance, factoring and discounting. We cover the features of each below, or you can read our comparison of invoice discounting vs factoring.

RPO Invoice Factoring

We work with a number of factoring companies that fund agencies with large RPO invoice balances.

Typical features include:

Release 70% to 100% of unpaid RPO invoices
No trading history required
Funding of timesheets for temps
Access funds within 24 hours
Credit control included

As an independent factoring broker, we can find lenders that accept RPO invoices and high debt concentration.

Read more on our invoice factoring page or apply now.

RPO Invoice Discounting

If your agency turns over more than £250k a year, you may be able to use invoice discounting against your RPO invoices. Typical features include:

Confidential invoice discounting
Do your own credit control
Funding of bulk timesheets
Release up to 100% of unpaid RPO invoices and timesheets

Read more on our invoice discounting page or apply now.

Apply for RPO Invoice Finance

As an independent invoice finance broker, we search the market to find funders that accept RPO invoices.

We do not charge any broker fees for invoice finance.

Fill in the form below or call us on 0161 546 9128 (Monday to Friday, 9am to 5pm).

Simon Johnson

Simple, easy and professional. Listen to business requirement and found the perfect funding solution. Thank you...!

Ihsan Gungor

Great help and fast

Hassan Raza

Many Thanks Marcus for arranging funds for my business despite having several challenges on credit file.

Craig Barclay

Amazing service - Thank you Marcus first class

Shazad “Shaz” Khan

The service is undecrible. I had a lot of issue through other brookers but it has been dealt professionally by Marcus. The service i received is more then beyond expectations.

Gordon Angus

I can't recommend Bolton Business Finance Ltd highly enough. They were able to get us excellent terms and a higher loan amount than expected - far better than any other broker. Marcus was very friendly, helpful and supportive throughout the application and I will definitely use their services again.

Gerad Barclay

Exemplary Business Finance Service Bolton Business Finance and its MD Marcus Wright are professional and an example to others in the industry. Strongly recommended. Most business people searching for a business finance broker will have dealt with Estate Agents, Recruitment Agencies, or both. You know the types; recruitment “consultants” that try to palm you off with unsuitable candidates having doctored the CV to look great, or estate agents that assure you the enquirer is a “Cash Buyer” or in a fabulous position when in fact they have not even got an offer yet for their overpriced property. Many Business Finance Brokers are as above, probably worse. They work the numbers game of collecting applicants then punt the applicants around the types of lenders that want to tie you down with crazily high interest rates, unviable repayment terms and the ubiquitous PG. My advice is to look out for these shady practitioners. They want your personal ID, 6 months Bank Statements and annual accounts before even discussing solutions to your problem. They have only a passing conversational interest in your business. Be especially alert to the additional introduction “Fee” for getting to offer stage. One such broker added a 5% fee unto an already sky-high rate of interest front-loaded unto the principle, no reduction for early settlement, and of course the dreaded PG. Try getting 5% Interest per year on deposit of £200,000…. It is currently almost impossible yet, some brokers want 5% (£10,000 on that £200K) just for the introduction. That’s 3–5 times what Estate Agents will charge, and they typically must do some work and wait 6 months for the transaction to complete. The broker may well have punted your most personal details by email to any number of lenders leaving you exposed in many ways. Marcus did none of the above. He listened to the requirements. Noted preconditions, made no promises but came back very quickly with imaginative propositions. Very personal details and confidential information were requested only when there was agreement in principle. I will certainly use again.

Tyler Homeyard

Great company to deal with. Marcus is a great guy and knows what he’s doing. They helped me with factoring my invoices on Courier Exchange. Very seem less process. Highly recommend.