A customer is disputing a large invoice and withholding payment — how do I cope with the cash gap?

A disputed invoice can freeze a large receipt for weeks; a short facility covers the gap so a single dispute doesn't cascade into your own late payments. A withheld payment on a large invoice removes cash you were counting on, often for weeks while the disagreement is worked through. Meanwhile your own suppliers and staff still expect paying.

A customer is disputing a large invoice and

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Payment frozenDuring the dispute

Bridge the gapShort facility

Resolve itPush for a decision

Why disputes drain cash

A withheld payment on a large invoice removes cash you were counting on, often for weeks while the disagreement is worked through. Meanwhile your own suppliers and staff still expect paying.

Cover the shortfall

A short working-capital facility bridges the withheld amount so one dispute doesn't push you into your own arrears. Model the gap on your cash-flow forecast.

Resolve, and tighten process

Push for a clear decision and document everything. Where invoice disputes recur, tighter contracts, sign-offs and milestone billing reduce the risk of a repeat.

What it means for you

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online when the numbers work.

Frequently asked questions

Should I stop work while an invoice is disputed?

Get the dispute resolved quickly, but don't necessarily halt everything — that can escalate matters. Bridge the cash gap with finance so the disagreement doesn't force your hand operationally.

Can I borrow against a disputed invoice?

A disputed invoice isn't reliable security, but a general working-capital facility from Credicorp lends against your overall trading, so it can still cover the gap while the dispute resolves.