trading finance

trade finance, business loans & working capital

Secured business loans, term funds or permanent working capital can be used for expansion, asset purchasing or debt restructuring. These include:

overdrafts

• Traditional form of finance for working capital requirements for businesses of all sizes
• Facility individually tailored to trading requirements, ensuring sufficient cashflow for business needs

commercial loans

• Tailored finance for fixed asset purchases whether property or machinery
• Flexibility provided through:
• Repayment period
• Fixed or variable rates
• Monthly or quarterly payments
• Capital repayment holidays,
• Linked to Base Rate or LIBOR.

invoice factoring

Factoring provides a total sales ledger management service. This allows you to maintain your cash-flow position whilst also enabling you to spend more time servicing your customers and building long-term, profitable relationships.

Factoring not only gives you the money for the invoice before it is paid, but also acts as your credit control.You do not have to chase the invoices. For those companies who do not wish for their customers to know of a third party involvement, a confidential Invoice Factoring facility can be provided using your stationery for all correspondence.

invoice discounting

Invoice Discounting also improves cash flow by supplying immediate cash against the value of your outstanding invoices. But this time you remain in control of your sales ledger and manage the credit control. Many companies prefer invoice discounting because it enables them to maintain their existing relationships with their customers, as well as being cheaper in terms of the service charge involved.

advantages of invoice factoring and discounting

• Effective solution for improving business cash flow
• Immediate release of cash from your invoices - as soon as issued.
• Up to 85% of invoice value can be paid
• Facility grows with your business so no need to keep increasing overdraft facilities
• Improved cash flow allows you to obtain more favourable terms from suppliers

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