Invoice-based financing solutions for SMEs
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Products

Our products are bespoke to your business. We specialise in giving you fast access to the money tied up in your unpaid invoices. It’s called invoice finance and has overtaken the traditional overdraft as the most popular form of funding for SMEs in the UK.

Why?

Because, unlike an overdraft, the facility cannot be withdrawn without warning – so you have much greater peace of mind. And because the amount you can access gets bigger the more invoices you generate – no need to go cap in hand to the bank to ask for a higher limit as your business grows.

Invoice finance is all that we do – so we’re very good at it. But we have lots of ways we can tailor it to best meet your needs. Here are our products but there are numerous variations that we can mix and match for you.

Factoring

We advance you an agreed percentage (up to 85%) of the money owed to you by your customers, the remaining balance when they pay. We also take care of your sales ledger management and collecting your debts with our experienced credit control team – so your customers deal direct with us, acting on your behalf.

 

CHOCs

This is short for ‘Client Handles Own Collections’.

 

Invoice discounting

With this option, we still give you access to an agreed up-front percentage of the outstanding cash owed by customers.  The difference is that you continue to manage your own sales ledger, credit control and collections.

Debtor protection

This is an optional feature that can be added to any of our invoice finance facilities.

Additional options

There are lots of different ways we can customise the products above to meet your unique needs.  They can be combined in a number of different ways, and extra features can be added, to create a bespoke facility that runs exactly the way that suits your business best – everything is optimised around you.

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