Is Your SME Suffering From A Cashflow Crisis?

If your SME cashflow is in crisis it may be time to look at invoice finance to rescue your dwindling bank balance.

Invoice finance is a clever, cost effective and efficient way to boost your SME cashflow by using your debtor book, often a business’s most valuable asset.

Invoice factoring, and the confidential service, invoice discounting, uses your debtor book to release monies tied up in unpaid invoices. 

Invoice factoring ensures a fluid cashflow by immediately releasing up to 90% of the value of any invoice you raise, with the balance paid when your customer settles.  This is why nearly 50,000 UK businesses are using a finance facility to bring them financial stability.

Here at Capital Corporate Finance, our Founder, Carole Roe, is the longest established independent broker in the invoice finance market and also an expert witness on the subject.  She has access to the UK’s 50+ providers, ensuring you get the best deal for your SME from the provider who most understands your industry and business needs.

Even the most successful SME can run into cashflow crisis if their customers do not pay in good time. Regularly, an invoice will not be paid for over 60 days. Yet that business has to meet its own commitments of supplier bills, overheads, wages etc. How can cashflow be fluid or working capital be used for investment and growth when monies dry up? 

Late payment is getting worse, that’s a sad fact, yet with invoice factoring behind your business you needn’t worry as you are paid on time, all the time.

• You simply issue your invoice as usual.
• Access your funding within 24hrs (up to 90% of each invoice value - balance when your customer settles).
• Facility provider arranges invoice payment from your customer.
• Your entire sales ledger status – invoices issued, funded, settled – are available on a secure online portal.

Invoice finance helps SME growth.  Growth of those SMEs with an invoice finance facility Vs those without boast far quicker growth – usually around 10-12%.   Late payment puts a business in jeopardy. Invoice finance sees a business able to seize growth opportunities through a fluid cashflow and working capital.

There are a number of invoice finance options to choose from… 

Invoice factoring – pays within 24hrs, up to 90% of invoice value (balance when invoice is settled) with an inclusive credit control facility to ensure payment of your issued invoices.

Invoice discounting – a confidential facility whereby your customers do not know about your facility yet supports your cashflow in the same way as factoring.

Selective invoice factoring – all the benefits of invoice factoring but choosing to factor selected invoices, ideal for businesses with seasonal highs and lows or ad hoc larger invoices.

Without invoice finance an SME can be vulnerable from the effects of late paying customers. An SME with an invoice factoring facility has power, stability and potential.

“If you want professional, unbiased and efficient finance advice then look no further than Carole and her team. She has, and always does, exceed our expectations. She’ll not only save you time but money too.” David Finch, Finance Director, Ercol Furniture

Take back control of your cashflow by calling Founder and Managing Director of Capital Corporate Finance, Carole Roe, today. Call her direct 07785 596053 or email on carole@capitalcorporate.co.uk