Manage your cash flow effectively

Enabling your business to trade without running short on cash flow or over trading is a real balancing act.  In recent studies, it was found that one of the key things that keeps business owners awake at night is managing the businesses cash flow.  Chasing and waiting for payment for work already completed from customers and having the ability to pay suppliers can be an issue and a reoccurring theme for many SME’s.

Invoice financing is a way to release cash that is tied up in your outstanding invoices. Unlocking your trade debtors releases cash for work that you have already invoiced, meaning that you don’t have to wait for your customers to pay you. It can also be a good option if your business is in a period of growth, as the amount you can borrow increases with your sales.

Unlike in the past, when invoice financing, discounting and factoring could be perceived as a sign of restricted performance, today many companies choose this type of finance facility to access funds for growth and progression, allowing for additional funds being available to you sooner.

As a result, the cost of invoice financing facilities has radically reduced in recent years and the options that are available to clients are less restrictive and much more flexible.

What we provide

Invoice discounting and invoice factoring work in the same way.

The difference is that, with invoice factoring, the funder (lender) takes over the management of the sales ledger for you and they chase the customer to pay the invoice to them.

With invoice discounting, you retain control of your own sales ledger, chasing payments as you normally would.

  • Up to 95% prepayment against your debtors
  • Single invoice or full book factoring
  • Flexibility, both in the way of structuring your facility and in managing it as the dynamics of your business change
  • Bad debt protection and analysis of your customers (subject to underwriting)
  • Obtain finance for a specific one-off contract
  • Same day value for payments received to your account i.e. no value dating charges
  • Increasing Funding – you will receive working capital that grows in line with the growth of your sales
  • Short-term contracts and trial periods
Finance solutions for your business

Contact our super friendly team today

We work with a range of invoice finance providers for new facilities and we are also able to offer a free service review for any existing sales ledger finance that you may already have in place.

With access to a large panel of funders, including the major High Street, Challenger Banks and independent Invoice Finance specialists, we can help to secure competitive terms and  rates on deals that are specifically suited to your individual needs.

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