Your invoice finance facility has no Xero feed. Import its statements as one.

Why invoice-finance platforms rarely have a Xero feed

Some invoice-finance providers have built Xero integrations, but these mostly pull invoice data out of Xero to make funding decisions - very few supply a bank feed for the finance account itself. In most cases the funding account, with its advances, collections, fees and retentions, has no feed and no clean way into Xero.

Invoice-finance exports are built for credit control, not bookkeeping. The platform typically runs more than one ledger - a sales ledger, a current or funding account, and an availability figure - and only the current account represents real money movements that belong in a feed. Advances arrive as a percentage of invoice value, commonly 80 to 90 per cent, with the retention released when the customer pays; service fees and discount charges are deducted inside the account rather than invoiced separately. The exports often lack a running balance and mix ledger movements with cash movements, so a naive import double-counts the facility.

The manual way, every month

• Download the statement for the missing period
• Check the file format, dates and signed amounts
• Import into the correct Xero account and review overlaps
• Compare the closing balance and reconcile the lines

A usable CSV or OFX from the provider may be enough. Native PDF import is also available for eligible US and Canadian Xero organisations.

Review the statement, then choose how to import it

Preview the extraction, check the transactions, then send eligible lines through Xero's Bank Feeds API or download a Xero-ready CSV. Direct delivery supports dates within the last year and can be blocked by another provider's feed connection. Use CSV for older history. Overlap checks cover previous uploads to the same StatementClear feed, so also check any period already imported from other sources.

1. Step 1

   Start with your statement

   Preview a file before choosing how to get it into Xero.

2. Step 2

   Upload your invoice-finance platform statement

   PDF, CSV or Excel - whatever you can export. Map the columns once and we remember the mapping.

3. Step 3

   We check it first

   Review dates, amounts and signs. Balance checks use the source data, and overlap checks use prior StatementClear uploads.

4. Step 4

   Send to Xero or download CSV

   Send eligible lines directly to Xero or download a Xero-ready CSV. You complete reconciliation in Xero.

See the PDF-to-Xero workflow · Check PDF import in your region

Questions about invoice-finance platforms and Xero

Where this comes from

Everything above about what Xero's native feed covers, what its manual import accepts and how feed lines reach a bank account comes from Xero's own documentation. The relevant pages are below, so you can check the claim rather than take it.

• Import a PDF bank statementNative PDF import in the US and Canada, with plan and document requirements. Checked 30 September 2026.
• About bank feedsXero's own account of which feeds exist, how they connect and what they do not cover.
• Import a CSV bank statementThe manual import: the formats it accepts, and how it handles lines it has seen before.
• Bank Feeds API overviewThe interface StatementClear posts through, and the reason a fed line is not an imported one.

Related accounts

• Your OptiPay facility has no Xero feed. Import the movement report as one.
• No Xero feed for your loan account? Import its statements as one.
• GoCardless has no Xero bank feed. Import the payout export as one.
• Credit card bank feed for Xero: for the cards Xero cannot feed