Authorised Funding

ACG is a specialist in repair invoice factoring for the automotive industry. We help bodyshops, repair centres and garages get paid within 24 hours of completing an insurance repair, minus our agreed fees. Our team understands bodyshop workflows inside out, and we’ve built long-standing relationships with garages, insurers, and repair networks. Learn the story behind ACG on our About Us page.

When your repair is approved and completed, you submit the invoice to us via our online portal or email submission. Instead of waiting weeks (or months) for insurers or networks to pay, we pay you the funds within 24 hours. Watch our Authorised Funding video for more information

Invoice factoring gives your bodyshop immediate access to cash that would otherwise be tied up in unpaid invoices. Instead of waiting weeks or months for insurers to pay, you receive funds within 24 hours. This steady cash flow makes it easier to cover day-to-day expenses like payroll, utilities, and supplier costs, giving your business a stronger and more stable foundation to operate and grow.

Yes. Many bodyshops experience peaks in demand during winter or after severe weather. Invoice factoring ensures that lengthy payment terms don’t hold you back during busy periods. By unlocking funds quickly, you can pay staff, order parts promptly, and keep work flowing smoothly. Read more in our blog article here.

Invoice factoring unlocks the value of invoices you’ve already earned, without taking on debt. A loan increases your liabilities and requires repayment regardless of cash flow. Factoring is more flexible, as funding grows in line with the number of approved repair jobs you complete. For more information, read our blog article about Invoice Factoring vs. Traditional Financing: Which is better for bodyshops.

No. With invoice factoring, we manage collections and relationships with insurers and networks, giving you faster cash flow. Invoice discounting leaves collections with you, which can be more complex and less suited to smaller repairers.

No. We pride ourselves on complete transparency. All fees and terms are explained clearly upfront before you sign anything, so you always know exactly what you’re paying.

Yes. Our pay-as-you-go model allows you to factor individual insurance repair invoices as needed. For bodyshops on repair networks, we require all network invoices to be factored with us due to banking arrangements. Before you start, we guide you through the full process so there are no surprises.

We offer a simple, easy-to-understand fee structure for pay-as-you-go clients. For contracted terms, we agree on tailored rates to suit your repair volumes and funding needs.

Absolutely. We work with a wide range of repairers, from new start-ups to established single-site and multi-site operations. You can see real examples of how factoring has supported growth in our case studies.

We fund insurance-approved and repair network jobs. If the repair is authorised and comes through a UK insurance company or recognised repair network, we can process the invoice.

Not necessarily. Approval is based more on the strength of your customers (insurers/networks) than your own credit rating. We do ask that you are ICO registered, and ideally VAT registered.

We make the onboarding process as quick and simple as possible. Once rates are agreed and due diligence checks are complete, we can have your account set up within a single day. Funding for insurance invoices can begin the following day. For repair network invoices, setup may take slightly longer due to required bank switches, but we handle this process for you.

Yes. At present, we provide funding exclusively to UK-based bodyshops, repair centres, and garages working with insurers and repair networks.

It won’t. We have a dedicated corporate account team who manage insurer and network relationships on your behalf, ensuring everything runs smoothly and relationships remain strong.

Yes, with our pay-as-you-go model you’re in control. For network repairs, we require all invoices to run through us for compliance reasons.

There’s no strict minimum or maximum. Our flexible model allows you to choose which invoices to factor, whether large or small.

That’s our responsibility, not yours. Once we’ve advanced you the funds, we manage insurer collections directly. We ensure all the correct paperwork is in place before releasing payment, which helps prevent disputes. If an insurer does delay, our team handles the process, so your cash flow isn’t affected.

With over 15 years’ experience in automotive repair finance, we’re recognised as a leading funding partner in the UK. We are actively involved in The NBRA, ABP Club, and Bodyshop Magazine, and have strong relationships with supply partners across the industry.

Our clients are supported by dedicated business development managers and customer relations teams, who handle everything from onboarding to day-to-day account queries.

Yes. We encourage you to speak to other repairers who use our services and explore our case studies for real-world examples.

Yes. Our secure online portal lets you submit invoices, track payments, and generate reports, giving you complete visibility of your funding.

Very secure. Our online portal is encrypted, fully SSL-certified, and issued by a trusted authority. You can safely upload and track invoices knowing your data and financial information are protected at every stage.

Our support team works directly with insurers and networks to resolve any disputes as quickly as possible, keeping your cash flow steady.

Yes. With our pay-as-you-go model, you remain in control. If you decide to stop, we ensure the transition is smooth and stress-free.

No. Factoring is not debt; it’s simply unlocking cash tied up in invoices. It doesn’t impact your credit rating or ability to secure future loans.

By improving cash flow, you can pay staff and suppliers faster, take on more repair work, invest in equipment, or expand your site. Explore our case studies to see how other bodyshops have grown with ACG.