How does block discounting work?

Capital tied up in your books is ineffective, especially when you could have access to it. Thanks to block discounting, accessing that cash is made easy.

Block discounting is really quite simple. You guarantee blocks of agreements to us from your books and receive from us funds at a discounted value, matching the original period of the agreements.

This works seamlessly in the background, so you’ll continue to develop relationships with clients and manage repayments. Those relationships can only get better as you invest back into your business, whether that’s through diversifying your offering or supporting your customers in more meaningful ways.

So, what would you do with the extra cash?

Key terms

Typically, these are the terms we offer when looking to work with small and independent financial houses and brokers.

  • Advanced ratios ranging from 7-% to 100%
  • All assets considered
  • Same day pay-outs
  • Facilities ranging from £500k to £15m


  • Receive the backing of an established bank
  • Benefit from a personal, hands on approach from a dedicated Account Manager
  • Rest assured that we will build the right package for you as we apply years of industry experience to ensure we have an in-depth understanding of your business
  • Get first-class service to ensure we develop a lasting relationship to support you as your business grows
  • Receive access to funds to take your business to the next level

Contact HTB’s specialist business finance team on 020 7862 6262 or email us. We are open 9am to 5pm, Monday to Friday, excluding bank holidays.

HTB would like to reassure customers that we are operating normal business hours, 9am to 5pm Monday to Friday with no interruptions to our service. Click here for more information about our response to COVID-19. Please get in touch here, or via your usual method should you have any concerns.