Working Capital Solutions

As everyone in business knows, cashflow is vital to the success of any venture. In times of economic turbulence, it is even more critical to ensure your business has sufficient cash to maintain its operations and pay its way.

This can be achieved in a number of ways by using tried and tested funding instruments or making your business processes more efficient to positively impact the cash position of your company. Here we list a number of ways we can help – but this is not exhaustive. If any of the following solutions strike a chord with you then please don’t hesitate to get in touch.

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Invoice Finance is a generic term to cover products and services such as:

Invoice discounting

Factoring

Asset based lending

Receivables finance

All of these to a greater or lesser extent achieve the following:

Client receives up to 90% advance of invoice value
Freedom for business to retain control of their sales ledger or to outsource this to the lender
Invoices financed can be domestic or export sales
Typically, a confidential facility or can be disclosed where the funder requires greater visibility

We are an invoice finance specialist

so for a free no-obligation discussion feel free to discuss your unique situation

Trade finance can provide upfront funding against confirmed orders, open up letters of credit facilities on your behalf, and provide direct supplier payments or even a cash advance.

Suitable for businesses who have confirmed purchase orders/supply contracts from reliable sources. You can secure stocks but you have limited working capital to fund the purchase.

Using a Trade Finance facility is straightforward:

Place your order with your supplier
The Trade Financier will pay your supplier against shipping documentation or open a letter of credit for up to 100% of the purchase price of the goods
The goods are shipped and ultimately delivered to the client’s customers
The client will repay the transaction either by way of:
Within 90 days from the transaction date
Through a linked to invoice finance facility

There are numerous business loan products that have replaced traditional bank products that provide working capital from SME businesses.

The emergence of creative fin-tech lenders has plugged the gap left behind the regression of the main banks in the last dozen years or so. Choosing the right provider for the right circumstance of your business is what we do so click this link if you would like to talk to a member of the team about what options are available, please get in touch.

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This is a growing segment of the lending market and provides a solution to many business funding requirements quickly and efficiently.

A business might need cash for a project, an acquisition or just additional cashflow through a difficult period. By utilising assets that have equity in them, either inside or outside of the business, you can release monies to be used in the business and repaid either out of cashflow, sale of the asset, or refinance of it. This can give from £50,000 to £5,000,000 of funding to a business quickly and efficiently over a term of up to 36 months.

This is more often premium priced because of the risk attached, but it tends to be on a ‘pay for what you use’ basis. Interest can be serviced or rolled up depending on the security and circumstances giving maximum flexibility. The main points to consider for a loan like this are:

What is the security being offered?
Can the loan interest be serviced?
How will the loan be repaid?

A flexible and popular funding solution who have available assets and need to make decisions really quickly.

Leisure/Property Development

Short Term Secured Finance

Prominent city centre night club operator looking to change business model. Having built brand and successful operation out client wanted to work with younger promoters...

Construction

Construction Invoice Finance

Client looking to acquire a well-established construction business as part of a larger 'buy and build' strategy. As with any transaction of this type, working...

Recruitment

Invoice Finance

Temporary manpower and permanent placement agency. Established operators in the sector.

Arts and Craft Supplies

Trade Finance, CBILS

The business is a wholesaler of Arts and Crafts supplies, primarily trading via online platforms.

Personal

Regulated Hire Purchase

Personal client referred into us looking to purchase unique ex-military service vehicle which replaced their existing vehicle.

Construction

Short term secured facility, Commercial mortgage

Sizeable business which has provided services into the construction sector for over a century.

Manufacturing

Short Term Secured Facility

Specialist manufacturer with a unique and patented product still in the process of being fully established.

Recruitment

Invoice Discounting

Temporary and permanent placement agency requiring a new funding facility to take the business forward.

Hospitality

Business Loan (CIBILS)

Very popular neighbourhood restaurant, with regular and solid client base. Operations had always been profitable and plans were in place for growth and development of...

Manufacturing

Business Loan (CBILS)

Longstanding traffic management business which had gone through partial management buyout in 2019. Buyout aimed to deliver new growth and impetus.