We can provide finance solutions for the following needs
  • Business Acquisition
  • Managements Buy-In / Buy-Outs
  • Ease cash flow
  • Expansions
  • Buy out partner or shareholder
  • Buy Capital Equipment
  • Residential Development
  • Commercial Development
  • Mixed Use
  • Leisure Complex & Hotels
  • Retail Construction

As independent finance brokers, we are committed to finding the best financial packages for your business from start-up to businesses that have been trading for 100's of years.    Our services are widespread, wide ranging and are available in the whole of the UK and globally.   We can arrange financing to suit individual needs using equipment, property, invoices and stock as security.

Invoice Discounting

Invoice discounting is funding provided against your invoices. You retain complete control of your Sales Ledger and Debt management. Invoice Discounting is available to Businesses that are profitable with good Debt Management already in place.  It is possible to raise up to 90% against outstanding invoices and is usually available in 24 hours, in 5 Easy Steps:

  • You send your invoice to your customer for completed work.
  • You send Invoice Discounting Company your sales listings.
  • Your Invoice Discounter pays you up to 90% of your invoice.
  • You collect payment from your customer, notify your Invoice Discounting Company and place money in trust bank account.
  • Your Invoice Discounting Company collects money from trust account and pays you the balance less charges.

There are 2 types of Fees.  Cost of money – this is charged on funds advanced, usually 1-3 % over bank base rate and is quite competitive when compared to bank overdraft rate, and Service fee – this is usually a percentage of the actual turnover of the business and varies between 0.1% - 1.0% of the invoice value.   

Only businesses with turnovers from £500,000 and £100 million with profitable trading, sole traders, partnerships and limited companies with good credit managements in place can have invoice discounting.  Similarly, profitable companies with good net worth and management buy ins and outs.

Sales and Leaseback

Until recently a commercial mortgage or bridging loan was the only effective way of rising funding on a commercial property.

Today, our commercial property sale & leaseback facilities can offer a greater level of funding than perhaps either of the former, this we achieve with our highly valued Sale & Leaseback Facility.

Applicants looking for a high loan to value or those with a less than perfect credit history can be hit with high interest rates and excessive fees, but through our Sale & Leaseback Scheme it is possible to give the advantage back to the applicant. They can now raise the required funding at a cost they can accept.   What they can expect is getting 100% of the value of their property.

If an applicant is prepared to accept a little complexity and a little sophistication, an exceptional commercial property funding facility can be achieved:  properties must be valued from £100,000; most commercial properties are acceptable; up to and sometimes over 100% of MV is available

 

Leases

Leasing allows you to spread the cost of expensive equipment over a number of years, allowing better cash flow planning and budgeting. However, it costs more in the long run, and means you do not own the product.  At the end of the lease you can carry on paying a much smaller monthly charge, or you can sell it on behalf of the leasing company, and retain receipts.

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Leasing has some tax advantages over buying outright, although these vary depending on the product and cost.

Little or no additional security is required for leasing, as the equipment itself is the security.  Almost every type of business equipment can be leased.   If you lease an item, you are responsible for its maintenance unless specifically arranged otherwise.

Operating leases allow you to use equipment without needing to commit to pay its entire cost. This is particularly beneficial if you upgrade regularly or only need a product for a limited time.

Factoring is a facility that provides funding / cashflow that is locked in your Sales ledger. Factoring provides an immediate injection of capital into the business and is an on going source of funding.    Factoring is often used by small to medium sized businesses as the facility grows with the business. The factoring company manages the Sales Ledger so leaving you to concentrate on your business without the distractions of debt collection.

It is possible to raise up to 90% of your invoices and is usually available in 24 hours via the following five steps:

  • You send your invoices to your customer for work completed.
  • You send copy invoices to your Factoring Company.
  • Factoring Company pays you up to 90% of your invoices in 24 Hours.
  • Factoring Company collects payment from your customer and manages your Sales Ledger.
  • Factoring Company pays you the balance less charges.

There are 2 types of factoring cost fees: 

Cost of money – that you use, which can be very cost effective when compared to other forms of finance. The interest rate on amount advanced is usually competitive with the interest charged by banks on overdrafts -generally 1.0% - 3.5% above bank base rate.

Service fee – this is prearranged and is usually related to the turnover of the business usually 0.5% - 3.5% of turnover.

Vehicle Sales and Leaseback

The above is an effective way to release capital tied up in your fleet. Taking your fleet’s existing book value into account, we work within established industry guidelines to agree the total purchase price for those vehicles you would like to lease back from us.

By eliminating any residual value and maintaining risks, you’ll be able to budget more accurately.

Vehicle Sales and Leaseback key benefits:  Immediate cash injection; Off balance sheet; Improves financial ratios; Eliminates resale and maintenance risk
Efficient budgeting