A CHOCCS facility is disclosed, meaning your customers are aware a funder is involved, but you continue to chase payment yourself, exactly as you do now.
CHOCCS stands for Client Handles Own Credit Control. It sits between factoring and invoice discounting, giving you the cash flow benefits of invoice finance while you keep managing your own credit control and customer relationships. If you've built strong relationships with your customers and want to keep it that way, CHOCCS could be the right fit.
As normal, and a percentage of its value is released to you quickly.
You continue to manage collections and customer relationships directly.
The only change is the bank account the payment lands in.
As independent brokers, we compare CHOCCS providers across the market to find a facility that fits how your credit control team already works.
We arrange your finance, so you can stay focused on running your business.
We place you with the right funder first time.
We can negotiate better rates than if you went direct to the lenders.
Funds can be released the same day from your invoices.
Can be better value than overdrafts and loans.
Easy to use online systems integrate with how you already invoice.
Your facility grows as your business grows.
Please reach us if you cannot find an answer to your question.
No. CHOCCS is a well established and widely used form of invoice finance, and customers rarely see it as a sign of risk.
Often less than expected, and because you retain credit control, fees can be lower than a full factoring facility where the funder manages collections for you.
The opposite is usually true. CHOCCS is specifically designed for businesses that want to protect the relationships they've built, since you stay in direct contact with customers throughout.
No physical security is required beyond your invoices.
CHOCCS suits businesses with an established, well run credit control function who want the cash flow benefits of invoice finance without handing collections over to a third party.
Get in touch for a free, no obligation comparison of CHOCCS providers for your business.
Copyright © 2026 Simply Invoice Finance - All Rights Reserved.
Simply Invoice Finance is a trading style of Goodman Corporate Consultancy Limited, an independent commercial finance broker, not a lender. As such, we can introduce you to a wide range of finance providers depending on your requirements and individual circumstances. We are not independent financial advisors and are unable to provide independent financial advice. We typically receive payment or other benefits from the finance provider if you decide to enter into an agreement with them.
Goodman Corporate Consultancy Ltd is authorised and regulated by the Financial Conduct Authority, No. 733340.