Invoice-based financing solutions for SMEs
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Luxus Trade Case Study

Luxus Case Study

Invoice financing case study for Luxus Trade home fragrances.

Control of Cash!

The effects of the recent recession have shown us that “control of cash is the single most important factor in running any business however good the product potential and however good the skills of the management team” (Genghis Khan Guide to Business). We explore the use of invoice finance to firm up a company’s cash …read more

Why small businesses fail and how to avoid it

It’s no secret that the survival of small business can be challenging for entrepreneurs in the UK — only four in ten businesses survive past the five year mark of running the business. Businesses fail from making continuous mistakes which lead to the collapse of their business, so knowing the causes of business failure is …read more

When the money runs out!

As the UK emerges from the worst recession post-war, its vulnerability to the funding gap has been seen to be particularly acute. Still, three or four years since we emerged Optimum SME Finance believe that as many as one in five SMEs could be overtrading.   Overtrading is when new business absorbs working capital faster …read more

Importance of due diligence and the “Short Firm Fraud”

Due Diligence and understanding the ability and willingness to pay of your counterparties is important in all business relationships, not only for lenders and specialty financiers. In this blog post we highlight a sophisticated scam, which targets trade suppliers of goods, often early stage companies building a client book. Small companies are being advised to …read more

The 2018 business trends: Data is the key

As another year is upon us, we look at the areas most likely to impact businesses in 2018. There are many aspects to consider, many buzzwords and new technologies but the overwhelming theme is data, the gathering of data, and the protection of any data you hold and process, and of course the General Data …read more

Managing Your Relationships with Creditors and Debtors

All businesses have trading relationships with both suppliers and customers. Suppliers who extend credit to your business by letting you pay for goods or services after you receive them are your creditors. Customers who owe you money for goods or services that you have supplied are your debtors. The balance between when you need to …read more

Is invoice finance a good form of business funding?

Lots of businesses could benefit from the financial help of some kind, whether it’s extra funding for growth or regular cash injections to balance cash flow. Could invoice finance be the answer? Invoice finance is growing in popularity as a simple solution to a variety of financial funding needs, yet many business owners are unsure …read more

Top 10 survival strategies for SMEs next year

What do small business owners need to do next year to grow their businesses? Make these 10 tips your resolutions.   1. Mind your cash-flow Understand exactly what your finances are telling you. Issue invoices promptly and chase up debtors; don’t buy more stock than you need; negotiate longer credit terms with suppliers; shorter ones for customers; …read more

Record year for invoice finance

2017 saw the invoice finance and asset-based lending sector provide more finance to UK businesses than ever before. Data released by UK Finance shows that advances (the amount of funding being provided to clients at the close of the most recent quarter) are up 13% year on year and stand at just over £22 billion …read more