Business loans
Unsecured term funding for established businesses. Fixed monthly repayments and no charge over property.
Read the detailCASHFLOW
Invoice finance
Release the cash tied up in unpaid invoices, usually within 24 hours of raising them.
If you invoice on 30, 60 or 90 day terms, your working capital is sitting in somebody else's bank account. Invoice finance advances most of the value as soon as you raise the invoice.
Two ways to run it
Confidential discounting keeps credit control with you and your customers never know. Factoring hands collections to the funder, which costs more but removes the chasing.
Who it suits
Businesses selling to other businesses on credit terms. Recruitment, haulage, manufacturing and construction are the classic fits.
The honest downside
It is a facility, not a one-off. Once you are on it, coming off it means finding the working capital gap again from somewhere else.
Other products
Asset finance
Spread the cost of vehicles, plant and machinery over the working life of the asset instead of paying up front.
Read the detailBridging loans
Short-term secured funding to complete a purchase before longer-term finance is in place.
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