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# UK Factoring Helpline

## Sitemaps

- [XML Sitemap](https://www.factoringhelpline.co.uk/sitemap.xml): Contains all public & indexable URLs for this website.

## Pages

- [Front Page](https://www.factoringhelpline.co.uk/) - Leading UK invoice finance broker helping businesses find tailored factoring & invoice discounting solutions from over 50 trusted funding providers.
- [Help me choose](https://www.factoringhelpline.co.uk/help-me-choose/)
- [Home 2](https://www.factoringhelpline.co.uk/front-page-2/)
- [GET HELP AND ADVICE](https://www.factoringhelpline.co.uk/get-help-advice/)
- [Home-old](https://www.factoringhelpline.co.uk/home-old/) - Create a Budget Be mindful of expenses Zero Base Budget for Assets Plan with vision Be an Investor Save regularly Create a Budget Be mindful of expenses Zero Base Budget for Assets Plan with vision Be an Investor Create a Budget Be mindful of expenses Zero Base Budget for Assets Plan with vision Be an
- [HomePage](https://www.factoringhelpline.co.uk/homepage/) - Create a Budget Be mindful of expenses Zero Base Budget for Assets Plan with vision Be an Investor Save regularly Create a Budget Be mindful of expenses Zero Base Budget for Assets Plan with vision Be an Investor Save regularly Create a Budget Be mindful of expenses Zero Base Budget for Assets Plan with vision
- [Creative Capital](https://www.factoringhelpline.co.uk/factoring-companies/creative-capital/) - Creative Capital is a wholly independent single invoice finance company. They take a fresh approach to clients needs and provide a prompt, friendly and personalised service to small and medium sized businesses. Creative Capital is the single invoice finance specialist. They focus only on short term cash flow finance. Their selective invoice finance is unique
- [Coface](https://www.factoringhelpline.co.uk/factoring-companies/coface/) - Coface is a world leading Credit Insurance and credit management service provider, facilitating global trade for over 60 years. By choosing Coface to help manage the risk of trading on credit terms, clients choose a specialist partner in both export and domestic Credit Insurance, as well as a recognised leader in credit information, trade receivables
- [Clydesdale Bank](https://www.factoringhelpline.co.uk/factoring-companies/clydesdale-bank/) - At Clydesdale Bank their Invoice Finance solutions mean clients don't waste valuable time chasing customer invoices or waiting up to 90 days for payment. They will offer immediate funding against approved sales, as soon as the invoices are notified to them via the Internet on Invoice Finance Direct. The actual amount will depend on clients
- [Close Invoice Finance](https://www.factoringhelpline.co.uk/factoring-companies/close-invoice-finance/) - Close Invoice Finance is part of the Close Brothers Group, one of the City's most enterprising and respected merchant banks and a FTSE top 250 listed company. They pride themselves on being able to offer bespoke cashflow solutions rather than simply supplying off the shelf packages. Their management team brings a huge depth of industry
- [Bank of Ireland Finance](https://www.factoringhelpline.co.uk/factoring-companies/bank-of-ireland-finance/) - Bank of Ireland is a diversified Financial Services Group established in 1783 by Royal Charter. A traditional, relationship-driven retail and commercial bank with a conservative business philosophy, they have a clear and compelling strategy to: Support our customers Strengthen our capital Continue to fund our balance sheet effectively Actively manage our credit risks Rigorously manage
- [Bank of America Merrill Lynch](https://www.factoringhelpline.co.uk/factoring-companies/bank-of-america-merrill-lynch/) - Bank of America Business Capital has been a leader in asset-based finance for more than 90 years because they deliver, consistently, through many economic cycles. They're an enduring asset-based lender with a history of fast decisions and creative loan structures offering flexibility and liquidity. Whether the loan is $10 million or $2 billion, their deals
- [Ashley Commercial Finance Ltd](https://www.factoringhelpline.co.uk/factoring-companies/ashley-commercial-finance-ltd/) - Ashley Commercial Finance Ltd is an independently-run subsidiary of Ultimate Finance Group plc, which is quoted on the London Stock Exchange's Alternative Investment Market. Ashley Commercial Finance provides a truly personal service to businesses with annual sales of up to £3m. We have over 200 clients, ranging from printers to road haulage companies, recruitment agencies
- [Aldermore Invoice Finance](https://www.factoringhelpline.co.uk/factoring-companies/aldermore-invoice-finance/) - Factoring and invoice discounting can offer many benefits to your business. Many companies use it to reduce the overhead of their own accounts department. Others use it to generate cash, which can be used to expand their business, increase distribution, or simply relieve short-term creditor pressure. Aldermore offer a flexible matrix of solutions to suit
- [AIB Invoice Discounting](https://www.factoringhelpline.co.uk/factoring-companies/aib-invoice-discounting/) - Invoice discounting from AIB is a quick solution to your working capital needs, providing a totally confidential debt-financing facility. Many businesses suffer from slow or late payment of invoices. Invoice Discounting from AIB is a quick solution to your working capital needs, providing a totally confidential debt-financing facility. With Invoice Discounting, we can help your
- [Ultimate Finance](https://www.factoringhelpline.co.uk/factoring-companies/ultimate-finance/) - Since it was established and launched on the Alternative Investment Market (AIM) in 2002, ultimate finance has helped many businesses survive and prosper, particularly in recent years when banks were refusing to lend. It has a senior management team of highly experienced, financial services professionals committed to offering SMEs a refreshingly different service where decisions
- [Ulster Bank Invoice Finance](https://www.factoringhelpline.co.uk/factoring-companies/ulster-bank-invoice-finance/) - Established in 1987, Ulster Bank Invoice Finance is part of the Ulster Bank Group. As a market leader in Invoice Finance they provide solutions for companies with an annual turnover from £500,000 upwards working across a spectrum of industries. They aim to provide your business with the financial tools that it needs for long-term financial
- [State Securities Plc](https://www.factoringhelpline.co.uk/factoring-companies/state-securities-plc/) - They work with businesses to structure a professional debtor collection strategy, giving a business the freedom to focus on running the business. Importantly, they take great care to ensure their services fully respect your customer relationships at all times. At State Securities, they have gained an outstanding reputation for structuring finance for new start businesses,
- [SME Invoice Finance](https://www.factoringhelpline.co.uk/factoring-companies/sme-invoice-finance/) - SME Invoice Finance is a specialist invoice discounting and factoring company, dedicated to meeting business cash flow needs. They are independent of the UK clearing banks and keen to give you a level of personal service - regardless of turnover, number of employees or years trading - that the larger institutions simply cannot provide. And
- [Skipton Business Finance Limited](https://www.factoringhelpline.co.uk/factoring-companies/skipton-business-finance-limited/) - Skipton Business Finance Limited provides an array of financial products ranging from factoring to confidential invoice discounting, including the Government-backed Enterprise Finance Guarantee Scheme, and asset finance to SMEs from new-start to businesses turning over £30m. Their facilities can be used to fund start-ups, transactions, turnaround/restructures, phoenix and, pre-pack type deals. SBF is all about
- [Santander Corporate Banking](https://www.factoringhelpline.co.uk/factoring-companies/santander-corporate-banking/) - At Santander Corporate Banking, they believe in building long-term relationships by placing the customer, at the heart of all they do. They believe a successful banking relationship isn't about selling businesses products, but listening and understanding their needs. They'll strive to become your partner, not just a finance provider, and only then will they provide
- [Regency Factors Plc](https://www.factoringhelpline.co.uk/factoring-companies/regency-factors-plc/) - Regency Factors Plc is one of the oldest Invoice Finance companies that provide fast, affordable and convenient Sales Finance and Purchase Finance solutions for the small and medium sized business. Launched in 1991, Regency Factors Plc was established to fill a vital gap in the market by providing inexpensive Invoice Finance facilities to smaller, fast
- [RBS Invoice Finance](https://www.factoringhelpline.co.uk/factoring-companies/rbs-invoice-finance/) - RBS Invoice Finance is part of the RBS group and works closely with the UK Corporate and Business Banking divisions. Whether your business is looking for efficient day-to-day cash flow management or better leverage of your business assets, RBS Invoice Finance can help. Local, national and international They have a network of offices across the
- [Positive Cashflow Finance Limited](https://www.factoringhelpline.co.uk/factoring-companies/positive-cashflow-finance-limited/) - So rather than telling you what you need, we work with you to find the solution that best matches your requirements. Finance linked to sales - no need to mortgage the family home Cash available within 24 hours of your first sales Credit information on prospective customers Experienced team to help with collections Unrestricted funding
- [National Irish Bank](https://www.factoringhelpline.co.uk/factoring-companies/national-irish-bank/) - At National Irish Bank we understand the importance of discretion. Confidential Invoice Discounting is a dynamic way of maximising the cash available to grow your business by releasing the value of your sales invoices .How it works You retain all customer contact and simply lodge all customer payments with National Irish Bank. Just report the
- [Lloyds TSB Commercial Finance](https://www.factoringhelpline.co.uk/factoring-companies/lloyds-tsb-commercial-finance/) - At Lloyds TSB Commercial Finance they offer a range of services all designed to improve business cashflow by releasing some of the cash tied up in the value of invoices. Whether a sole trader, fast growing start-up or large corporate, they can help you find the right funding to suit your business.Lloyds TSB Commercial Finance
- [Leumi ABL Limited](https://www.factoringhelpline.co.uk/factoring-companies/leumi-abl-limited/) - As the specialist asset based lending subsidiary of Bank Leumi (UK) plc, part of the Bank Leumi Group, they offer growing businesses a range of flexible finance solutions that work in tune with abusiness. Leumi ABL provides Invoice finance Stock finance Plant and machinery finance In conjunction with our parent, Bank Leumi (UK) plc, we
- [Independent Growth Finance Ltd](https://www.factoringhelpline.co.uk/factoring-companies/independent-growth-finance-ltd/) - IGF is one of the top independent commercial finance providers in the UK today. Their range of services makes them a 'one-stop-shop' for SME businesses - from company start-ups, through all the phases of business growth, up to and including established businesses turning over up to £10million per annum. Part of the Greater London Enterprise
- [HSBC Business Invoice Factoring](https://www.factoringhelpline.co.uk/factoring-companies/hsbc-business-invoice-factoring/) - Why choose HSBC? Improve cashflow by releasing cash from invoices Get up to 90% of the invoice value by the next working day (for domestic sales) Protect against late or non-payment of invoices Reduce debt turn Frees you up to focus on running your business With Business Invoice Factoring, HSBC can sensitively manage your credit
- [Hitachi Capital Invoice Finance](https://www.factoringhelpline.co.uk/factoring-companies/hitachi-capital-invoice-finance/) - There are many benefits in using Hitachi Capital Invoice Finance; some of the most important ones are listed below. Invoice factoring Invoice discounting Recruitment finance Exceptionally good service You will have just one point of contact, UK based. Their Client Managers look after fewer clients than other invoice finance providers. This allows them the time
- [Gener8 Finance](https://www.factoringhelpline.co.uk/factoring-companies/gener8-finance/) - Gener8 Finance is one of the UK's leading independent sales ledger finance and credit management providers. The Team at Gener8 has more than 75 years experience of providing cash flow finance facilities to UK businesses.Gener8 understands that no client is the same. Flexible, individually tailored and service focused invoice finance facilities are the norm not
- [G E Commercial Finance](https://www.factoringhelpline.co.uk/factoring-companies/g-e-commercial-finance/) - GE Capital Commercial Finance takes a unique approach to finance that is tailored to a company's potential and your industry's needs. Their finance experts have the knowledge and expertise to free up cash flow and release equity in assets to make a business more competitive. If you are looking for a flexible and committed partner
- [Fortis Commercial Finance](https://www.factoringhelpline.co.uk/factoring-companies/fortis-commercial-finance/) - Fortis offer a range of flexible business finance solutions, tailored to suit business needs. Raising the finance needed to run a business is not just about a line of credit. It’s about flexibility, speed of delivery and a willingness to go the extra mile from your chosen partner. By taking this approach and the desire
- [Davenham Group PLC](https://www.factoringhelpline.co.uk/factoring-companies/davenham-group-plc/) - Davenham Group plc is a leading specialist commercial finance company that lends to UK SMEs who choose not to, or cannot access, mainstream clearing bank funding. Established in 1991 in Manchester, Davenham has offices in Manchester (HQ), Leeds, Birmingham, London and Manor Credit based in Elland. Their aim is to provide commercially viable funding by
- [Crédit Agricole Commercial Finance](https://www.factoringhelpline.co.uk/factoring-companies/credit-agricole-commercial-finance/) - At Crédit Agricole Commercial Finance, they review your needs on an individual basis, before they recommend a bespoke invoice discounting, asset based lending or factoring solution to meet specific requirements. From expansion, turnarounds, acquisitions and management buy outs and buy ins, they work closely with clients to understand business needs and ensure that the optimal
- [Factoring Companies](https://www.factoringhelpline.co.uk/factoring-companies/) - Factoring Companies - home AIB Invoice Discounting Aldermore Invoice Finance Ashley Commercial Finance Ltd Bank of America Merrill Lynch Bank of Ireland Finance Bibby Financial Services Burdale Financial Ltd Centric Commercial Finance Close Invoice Finance Clydesdale Bank Coface Creative Capital Crédit Agricole Commercial Finance Davenham Group PLC Fortis Commercial Finance G E Commercial Finance Gener8
- [Venture Finance](https://www.factoringhelpline.co.uk/factoring-companies/venture-finance/) - Venture finance has 20 years' experience raising finance from invoices and assets. Their enthusiasm and entrepreneurial spirit means they are unlike many lenders, they are more flexible in their approach – which usually means that they can raise more finance, quicker Raising finance is about more than just funding: Timing, flexibility, ongoing relationships, business understanding
- [Benefits of using an invoice discounting broker](https://www.factoringhelpline.co.uk/invoice-discounting/benefits-of-using-an-invoice-discounting-broker/) - Advice on using an invoice discounting broker If your business is looking for invoice discounting and cashflow advice, there are currently two types of invoice discounting brokers; Independent invoice discounting brokers and ties invoice discounting brokers. Whichever one you choose it means that the invoice discounting broker is accountable to you and your business, and
- [Benefits of using an invoice discounting arrangement](https://www.factoringhelpline.co.uk/invoice-discounting/benefits-of-using-an-invoice-discounting-arrangement/) - Invoice discounting is popular method of invoice finance in the UK where businesses with large and trustworthy collection departments can gain access to cash by sending over a batch of invoices to a invoice finance provider in return for an allocated facility to draw an agreed percentage of money against raised invoices.So, what are the
- [Construction Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/construction-companies/) - The construction industry which is responsible for putting up houses, corporate offices, factories, schools, apartments, bridges, and roads. In the UK a factoring facility can be used by a construction company to obtain cash when the available cash balance held by the firm is insufficient to meet new order and contracts. In the UK the
- [Disclosed invoice discounting](https://www.factoringhelpline.co.uk/invoice-discounting/disclosed-invoice-discounting-2/) - What is invoice discounting? Invoice discounting is method of a business gaining access to constant cashflow by signing up to a facility that offers fast access to money against credit invoices raised. Under an invoice discounting facility a business retains control over the administration of its sales ledger. Invoice discounting is an excellent, cost-effective way
- [How can invoice discounting help grow and develop a business?](https://www.factoringhelpline.co.uk/invoice-discounting/how-can-invoice-discounting-help-grow-and-develop-a-business/) - In the UK a lot of businesses have an expectation gap; The expectation gap is the gap between the what an invoice discounting firm is and the various public expectations of what an invoice discounting firm actually does. Invoice discounting is most suited to business selling goods on credit. Invoice discounting is best suited for
- [Invoice Discounting Brokers](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-brokers/) - Invoice discounting brokers will work to achieve your best interests and they will do the following: Ask about your businesses cash flow needs so a suitable invoice discounting provider can be found. Make your invoice discounting choices clear by informing you of the range of service an invoice discounting provider offers. Explain all the advantages
- [Invoice Discounting for a recruitment agency](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-for-a-recruitment-agency/) - In the UK invoice discounting is a funding method to ease the financial pressure on recruitment agencies so they can trade successfully. There are a wide range of specialist financial solutions to keep cash flowing smoothly. From factoring to payroll finance, we'll tailor services to meet your needs, whether you're a start-up or an established
- [Selecting or choosing an invoice discounting company](https://www.factoringhelpline.co.uk/invoice-discounting/selecting-or-choosing-an-invoice-discounting-company/) - There can be several reasons for which a business might look to invoice discounting. Your business might have an interest in expanding it sales base and wants to avoid overtrading. Just have a look at the tips given here to get some guidance and make sure that you make a choice of the most appropriate
- [The advantages of using an independent invoice discounting broker](https://www.factoringhelpline.co.uk/invoice-discounting/the-advantages-of-using-an-independent-invoice-discounting-broker/) - Invoice discounting is popular form of invoice finance where a business has an borrowing facility with a lender enabling it to draw money against approved credit invoices. Under an invoice discounting arrangement a business retains control over the administration of your sales ledger. Invoice discounting can provide a cost-effective way for businesses to improve their
- [What business sectors are most suited to invoice discounting?](https://www.factoringhelpline.co.uk/invoice-discounting/what-business-sectors-are-most-suited-to-invoice-discounting/) - By using an invoice discounting facility a business can obtains an advance on approved submitted invoices. With invoice discounting, an advance on invoices is paid by the invoice discounter in a similar way to an advance paid by a factoring company. With invoice discounting, the company retains control over the administration of its sales ledger
- [What is single invoice discounting?](https://www.factoringhelpline.co.uk/invoice-discounting/what-is-single-invoice-discounting/) - The concept of single Invoice Discounting is relatively new and there are only a handful of factoring firms operating in this niche market. Single invoice discounting is a solution that all companies can consider. Please note that single invoice discounting is different to factoring as it is the purchase of an individual invoice only.What is
- [What is the difference between factoring and invoice discounting?](https://www.factoringhelpline.co.uk/invoice-discounting/what-is-the-difference-between-factoring-and-invoice-discounting/) - The concepts of invoice discounting and factoring are very similar. They are both methods of invoice finance. The general rule about which one is best comes down to how efficient the credit collection, accounts and book debt department is. Generally large and established business or those collections department opt for invoice discounting and those who
- [What is the difference between invoice discounting and factoring?](https://www.factoringhelpline.co.uk/invoice-discounting/what-is-the-difference-between-invoice-discounting-and-factoring/) - Factoring and invoice discounting, has helped thousands of businesses to release funds tied up in unpaid invoices. We are often asked "What is the difference between invoice discounting and factoring?". The main difference is that invoice discounting is confidential and factoring is not. What are the Advantages? They provide a fast repayment against the sales
- [What make a business NOT suitable for invoice discounting?](https://www.factoringhelpline.co.uk/invoice-discounting/what-make-a-business-not-suitable-for-invoice-discounting/) - Invoice discounting is commercial invoice finance facility that allows a business to gain access to constant cashflow by gaining access money against credit invoices raised. Please note that not all businesses are suitable for an invoice discounting facility. For example Businesses that have long term contracts New businesses with lack of a book debt collection
- [What make a business suitable for invoice discounting?](https://www.factoringhelpline.co.uk/invoice-discounting/what-make-a-business-suitable-for-invoice-discounting/) - In the UK Invoice discounting is method of a business gaining access to constant cashflow by signing up to a facility that offers fast access to money against credit invoices raised. Under an invoice discounting facility a business retains control over the administration of its sales ledger. Invoice discounting is an excellent, cost-effective way for
- [Where to get invoice discounting help in the UK](https://www.factoringhelpline.co.uk/invoice-discounting/where-to-get-invoice-discounting-help-in-the-uk/) - If you need some support while considering your businesses cashflow position and are considering invoice discounting, here is a partial list of services that may be of help to you. Most common ways to get invoice discounting help in the UK: Bank manager Internet Management consultant Invoice finance broker Accountant Lawyer There are nearly 100
- [What type of business can benefit from invoice discounting?](https://www.factoringhelpline.co.uk/invoice-discounting/what-type-of-business-can-benefit-from-invoice-discounting/) - Invoice discounting is a form of business finance where a business obtains an advance on approved submitted invoices. With invoice discounting, an advance on invoices is paid by the invoice discounter in a similar way to an advance paid by a factoring company. A fundamental difference, however, is that with invoice discounting, the company retains
- [Finding the best invoice finance deal](https://www.factoringhelpline.co.uk/invoice-finance/finding-the-best-invoice-finance-deal/) - Find out how to get the invoice finance deal without paying too much. This information applies to businesses in England, Wales, Scotland and Northern Ireland looking at sourcing the best invoice finance deal. We can advise on the following:- Getting the best invoice finance deal for your business Choosing what type of invoice finance firm
- [Privacy Policy/Terms & Conditions](https://www.factoringhelpline.co.uk/company-info/privacy-policydisclaimer/) - The UK Factoring & Invoice Discounting Helpline observes the highest standards of practice in all its activities and treats all the personal information it collects in strict compliance with the Data Protection Act 1998 (the “Act”). We will treat all your personal information as private and confidential. None of your personal information you disclose to
- [What to do if your business is in financial trouble](https://www.factoringhelpline.co.uk/business-turnaround/what-to-do-if-your-business-is-in-financial-trouble/) - If you think that your business might be in trouble it is a good idea to get some advice from a Business turnaround specialist or a qualified insolvency practitioner. They have a vast amount of experience and they will be able to explain all of the choices that are available, the risks and benefits of
- [What are your options?](https://www.factoringhelpline.co.uk/business-turnaround/what-are-your-options/) - If your business is in distress or insolvent and it needs to be turned around, then the process will involve your business going through a period of huge change. The process and types of change that your business may experience depend of the situation, severity and the solutions that are implemented to turn your business
- [Warning signs your business could be in trouble](https://www.factoringhelpline.co.uk/business-turnaround/warning-signs-your-business-could-be-in-trouble/) - There are almost always warning signs your business could be in trouble, and approaching business insolvency. The first step to turning around your business is to have a good honest look at how your business is running and identifying the problems.[ Some of the warning signs can include: Missing tax payments - missed payments to
- [Voluntary liquidation](https://www.factoringhelpline.co.uk/business-turnaround/voluntary-liquidation/) - Voluntary liquidation is when the shareholders of a company decide to voluntarily wind up the business and dissolve it; this is usually in order to pay off creditors. In essence the business is solvent, because it has assets that cover its debts, but the shareholders wish to either restructure the business or cease trading. However
- [Voluntary Arrangements](https://www.factoringhelpline.co.uk/business-turnaround/voluntary-arrangements/) - Just because a business is in trouble it doesn't mean that the business is going to fail. Some businesses just need some time and breathing space in order to sort out their finances. Voluntary Arrangements are an agreement with the businesses creditors that set out how the business is going to pay off its debts
- [Turnaround management](https://www.factoringhelpline.co.uk/business-turnaround/turnaround-management/) - Turnaround management is the management process used to try and rescue a distressed or insolvent business. It uses analysis and planning to get to the root cause of the problems in order to determine why the business is failing. Once the analysis is completed a strategic plan and a restructuring plan is put into place
- [The role of a business administrator](https://www.factoringhelpline.co.uk/business-turnaround/the-role-of-a-business-administrator/) - A business administrator is a qualified insolvency practitioner who takes control for the financial management of a company when the company is facing financial difficulties. When a business administrator is called in, the business is described as having 'gone into administration'. The role of a business administrator is to turn the business around, by getting
- [Sole Trader Insolvency](https://www.factoringhelpline.co.uk/business-turnaround/sole-trader-insolvency/) - Being a sole trader is the simplest way to run a business as you are not required to pay any registration fees, and keeping records and accounts is very simple, plus you get to keep all of your profits. However as a sole trader you are personally liable for any debts that your business runs
- [Small business administration](https://www.factoringhelpline.co.uk/business-turnaround/small-business-administration/) - To avoid going into small business administration you need to keep a close eye on your businesses financial situation. The warnings signs of small business administration include: Cashflow - can you pay your debts on time? If you struggle to pay your suppliers on time, or struggle to pay your employees NI and Tax deductions
- [Seven steps for turning your business around](https://www.factoringhelpline.co.uk/business-turnaround/seven-steps-for-turning-your-business-around/) - Each business is different, so each insolvent business will require an individual approach; however here are seven steps for turning your business around that are useful for most situations. Identify the problems Go through all your business information: management accounts, sales, finance agreements, internal controls, customer services and try and identify problems and causes. Make
- [Protect yourself in the event of insolvency](https://www.factoringhelpline.co.uk/business-turnaround/protect-yourself-in-the-event-of-insolvency/) - If you own your own business then insolvency is likely to affect you personally. Not just in terms of your physical wellbeing but going through business insolvency can also affect your emotional wellbeing. It is not uncommon for business Directors to experience a high level of stress during insolvency which can have negative affects on
- [Pre Pack Administration](https://www.factoringhelpline.co.uk/business-turnaround/pre-pack-administration/) - Pre Pack Administration is when an insolvent business is sold to a 'phoenix' company. A 'phoenix' company is a business that has been set up by the existing directors before going into administration. This means that the business can continue to operate with minimum interruption. The sale of the business is completed by an Administrator
- [Partnership insolvency](https://www.factoringhelpline.co.uk/business-turnaround/partnership-insolvency/) - If your business trades as a partnership and your business becomes insolvent, then the insolvency can be dealt with in the following ways: Liquidation Your business can cease trading and sell off its assets to pay off the creditors. Liquidation can be compulsory or voluntary. Compulsory liquidation involves your creditors applying to a court to
- [Members Voluntary Liquidation](https://www.factoringhelpline.co.uk/business-turnaround/members-voluntary-liquidation/) - Members Voluntary Liquidation is when the company's shareholders decide to wind up the company in order that the assets be used to pay off the debts owed in full. In essence the business is solvent, because it has assets that cover its debts, but the shareholders wish to either restructure the business or cease trading.
- [Law of Property Act Receivership](https://www.factoringhelpline.co.uk/business-turnaround/law-of-property-act-receivership/) - Law of Property Act Receivership is where a Law of Property Act (LPA) receiver is appointed by a secured lender to deal with the unpaid debts. A LPA receiver is either an insolvency practitioner or a chartered surveyor, they will sell the property to repay the lender, or they may manage the property and collect
- [Insolvency Recovery](https://www.factoringhelpline.co.uk/business-turnaround/insolvency-recovery/) - When a business becomes insolvent there are a host of measures that can be put into place to aid recovery. Business turnaround specialists are experts in this field and will have a wealth of experience. They can also often identify the root cause of the problems that your business is experiencing, whilst helping you put
- [Insolvency Practitioners](https://www.factoringhelpline.co.uk/business-turnaround/insolvency-practitioners/) - Business insolvency means the inability of a business to pay off its debts. This is either because a business is unable to pay its debts when they are due or the businesses liabilities exceed their assets. If your business is insolvent you need to take immediate action so that the situation does not get any
- [Insolvency Company UK](https://www.factoringhelpline.co.uk/business-turnaround/insolvency-company-uk/) - Business insolvency means the inability of a business to pay off its debts. There are two type of business insolvency: Cash flow insolvency, this is where a business is unable to pay its debts when they are due Balance sheet insolvency is when a business has negative net assets, so in other words their liabilities
- [Insolvency and Factoring](https://www.factoringhelpline.co.uk/business-turnaround/insolvency-and-factoring/) - Business insolvency means the inability of a business to pay off its debts. There are two type of business insolvency: Cash flow insolvency, this is where a business is unable to pay its debts when they are due Balance sheet insolvency is when a business has negative net assets, so in other words their liabilities
- [How to spot if your business is insolvent](https://www.factoringhelpline.co.uk/business-turnaround/how-to-spot-if-your-business-is-insolvent/) - There are three common ways to spot if your business is insolvent: Cash flow Balance sheet Legal action Cashflow - can you pay your debts on time? If you struggle to pay your suppliers on time, or struggle to pay your employees NI and Tax deductions to the Inland Revenue or PAYE and VAT to
- [How to avoid insolvency](https://www.factoringhelpline.co.uk/business-turnaround/how-to-avoid-insolvency/) - Business insolvency means the inability of a business to pay off its debts, either because it can not pay its debts when they are due or it doesn't have sufficient assets to cover its debts. For a business to become insolvent it takes time, so it is possible to spot the warning sign if you
- [Do's and don'ts for directors](https://www.factoringhelpline.co.uk/business-turnaround/dos-and-donts-for-directors/) - As a business Director you can be held personally liable for your actions and the actions of the business as a whole. This means that you can be responsible for significant amounts of money and you can be at risk of receiving prison sentences for certain types of misconduct. Going through Administration or insolvency can
- [Creditors Voluntary Liquidation](https://www.factoringhelpline.co.uk/business-turnaround/creditors-voluntary-liquidation/) - Creditors Voluntary Liquidation is when the shareholders decide to fold the company because it doesn't have the sufficient assets to cover its debts. The business normally decides to enter Creditors Voluntary Liquidation when it deems that it can no longer trade and it wants to settle its outstanding debt as soon as possible. If the
- [Compulsory Liquidations](https://www.factoringhelpline.co.uk/business-turnaround/compulsory-liquidations/) - Compulsory Liquidation is when a court orders the winding up of a business because it cannot pay off all of its debts. The court may do this following a petition from the company, its directors or shareholder or from a creditor who is owned more than £750. Compulsory liquidation usually signals the end for a
- [Business Turnaround UK](https://www.factoringhelpline.co.uk/business-turnaround/business-turnaround-uk/) - If your business is suffering for any of the following problems: cash flow inability to pay bills more liabilities than assets customers who wont pay Then your business might be at the stage of distress or insolvency, at this point it is a good idea to speak to a Business Turnaround UK professional as soon
- [Business Turnaround](https://www.factoringhelpline.co.uk/business-turnaround/business-turnaround/) - When a business becomes distressed or insolvent, there are a range of measures that can be put into place to turn it around. Business turnaround specialists can advise on all the possible solutions which can include refinancing and restructuring. Professional help A business turnaround specialist will be able to give you an objective view on
- [Business liquidation](https://www.factoringhelpline.co.uk/business-turnaround/business-liquidation/) - Business liquidation is when a business closes because it cannot pay its business debts and its assets are turned into money which is used to pay off its creditors. If your business has financial difficulties and is struggling to pay its debts, or its liabilities outweigh its assets then you should get some advice from
- [Business insolvency](https://www.factoringhelpline.co.uk/business-turnaround/business-insolvency/) - Business insolvency means the inability of a business to pay off its debts. There are two type of business insolvency: Cash flow insolvency, this is where a business is unable to pay its debts when they are due Balance sheet insolvency is when a business has negative net assets, so in other words their liabilities
- [Business administration](https://www.factoringhelpline.co.uk/business-turnaround/business-administration/) - Business administration is a constructive process that aims to rescue your company; it is seen as a positive option for failing small to medium businesses. The process of business administration includes putting the company's debts on hold whilst protecting its assets. This gives the business some space to try and resolve the difficulties that it
- [Administration receivership](https://www.factoringhelpline.co.uk/business-turnaround/administration-receivership/) - Administration receivership is when a secured creditor, such as a bank decides that it needs to recover the money that it is owed. The bank or other lender will appoint an experienced insolvency practitioner to manage the businesses finances. The receiver's role is to recover the money owed to the creditor. Although administration receivership sounds
- [A quick guide to insolvency](https://www.factoringhelpline.co.uk/business-turnaround/a-quick-guide-to-insolvency/) - Business insolvency means the inability of a business to pay off its debts. There are two type of business insolvency: Cash flow insolvency, this is where a business is unable to pay its debts when they are due Balance sheet insolvency is when a business has negative net assets, so in other words their liabilities
- [Ways to find business loans](https://www.factoringhelpline.co.uk/business-loans/ways-to-find-business-loans/) - Banks are the obvious place to start looking for a business loan, and banks will loan money to businesses on the basis of an adequate return for their investment, this will also reflect the risks of defaulting and administrative costs. If you have already established a relationship with your bank, they should have a good
- [Variable rate business loan](https://www.factoringhelpline.co.uk/business-loans/variable-rate-business-loan/) - When you want to borrow money for your business, you need a loan that is as flexible as possible. Business environments can change quickly and you need a finance solution that is flexible enough to change with you rather than constraining you. The benefits of a variable rate business loan are that as the rate
- [Understanding and arranging a business loan](https://www.factoringhelpline.co.uk/business-loans/understanding-and-arranging-a-business-loan/) - At times all businesses will need to borrow money, whether it's to start a business or for expansion or investment. In the start up phase you may need finance to cover the day-to-day expenses when you are developing a new product or service, or for equipment and premises or when marketing you business. A business
- [Business turnaround strategies](https://www.factoringhelpline.co.uk/business-turnaround/business-turnaround-strategies/) - Each business is different, so each business will require an individual approach, however the strategies usually include: Identify the problems Analyzing all your business information: management accounts, sales, finance agreements, internal controls, customer services and try and identify problems and causes. Planning Once the problems and causes have been identified they will work out what
- [Turnaround professionals](https://www.factoringhelpline.co.uk/business-loans/turnaround-professionals/) - If your business is suffering from any of the following problems: cash flow inability to pay bills more liabilities than assets customers who wont pay If so then your business might be at the stage of distress or insolvency, at this point it is a good idea to speak to a turnaround professional as soon
- [Starting a business loan](https://www.factoringhelpline.co.uk/business-loans/starting-a-business-loan/) - Because of the wide variety of loan options available, it is often not clear which is the right option for your business. This can make starting a business loan, daunting and confusing. The different loan options for businesses include: An agreed business overdraft A fixed rate loan- where the interest rate stays the same over
- [Sourcing the right commercial business loan](https://www.factoringhelpline.co.uk/business-loans/sourcing-the-right-commercial-business-loan/) - When you start looking for a commercial business loan, you will find plenty of lenders all happy to offer you advice and promote their own products. They will all offer slightly different products, services and offers and all this information can soon become confusing and overwhelming. What you need is someone to give you some
- [Short term business loans](https://www.factoringhelpline.co.uk/business-loans/short-term-business-loans/) - Short term business loans, then you may be experiencing some cash flow shortages and you may need the money fast. Cash flow problems are common complaints of growing businesses or tough trading conditions. Short term business loans can also be useful for: Starting a new business Expansion Refinancing Restructuring Working capital requirements Paying off other
- [Short term business loan](https://www.factoringhelpline.co.uk/business-loans/short-term-business-loan/) - If you want a short term business loan, then you need the money fast! Short term borrowing is usually repaid in 12 months or less, and is often used to resolve cash flow problems. Because you need the money quickly, you may risk getting a poor deal and end up having to pay more than
- [Reason for a new business loan](https://www.factoringhelpline.co.uk/business-loans/reason-for-a-new-business-loan/) - Business loans help many businesses start-up and expand. Business loans are available as both secured and unsecured options. There are a variety of loan options available under the banner 'new business loans'. The reasons for a new business loan is primarily to assist entrepreneurs to start their new ventures, for those borrowers who are suffering
- [Medium term business loans](https://www.factoringhelpline.co.uk/business-loans/medium-term-business-loans/) - Medium term business loans are loans that are repaid over a term of 1 to 3 years. Commercial lenders will consider lending to all types of businesses, whether you are well established or just starting out. However what may differ is the amount of money that you will be offered and the terms of the
- [Long term business loans](https://www.factoringhelpline.co.uk/business-loans/long-term-business-loans/) - If you are looking to borrow money, that you want to repay over three years, then a long term business loan is an option for you. If you are a new, start-up or a young business it may be difficult for you to get a long term business loan from a bank, because most banks
- [Long term business loan](https://www.factoringhelpline.co.uk/business-loans/long-term-business-loan/) - If you need cash to invest in your business, then it seems that you are looking for a long term business loan. A long term business loan is a loan that is to be repaid over a term of 3 to 10 years. The most obvious place to look for a long term business loan
- [Guide to arranging a small business loan](https://www.factoringhelpline.co.uk/business-loans/guide-to-arranging-a-small-business-loan/) - A small business loan may be useful if your business is struggling to keep on top of its cash flow. Cash is king in business and even if your business is turning a profit, you may find that you simply don't have the cash that you when you need it. There are plenty of options
- [Getting a new business startup loan](https://www.factoringhelpline.co.uk/business-loans/getting-a-new-business-startup-loan/) - Cash flow can be very difficult for new or start-up businesses. In a start-up you are pulled in lots of different directions as you try and develop your business whilst also making sure your bills get paid. When starting out you may need some extra money for new equipment, premises, product development or marketing. Or
- [Flexible business loan boost your working capital](https://www.factoringhelpline.co.uk/business-loans/flexible-business-loan-boost-your-working-capital/) - In today's financial market raising finance for a business has never been harder, whether you are a new business or an established business. However over the last few years, the number and variety of finance options has improved and there are now some really great deals to found and some really interesting options available to
- [Fixed rate business loan](https://www.factoringhelpline.co.uk/business-loans/fixed-rate-business-loan/) - A fixed rate business loan is a tradition form of business finance, and several years ago, taking out a fixed rate business loan from a bank was the only way that you could get extra cash to finance your business. A fixed rate business loan is where the business owner borrows a fixed sum of
- [Finding small business loans UK](https://www.factoringhelpline.co.uk/business-loans/finding-small-business-loans-uk/) - Most businesses at some point will need to borrow some extra money. This might be to provide a bit of extra working capital to help out with cash flow, or it might be to fund plans to grow and develop, and invest in new products, equipment and premises. If you would like to find small
- [Exploring and understanding your options](https://www.factoringhelpline.co.uk/business-loans/exploring-and-understanding-your-options/) - Business loans are a great source of business finance and are particularly suited to long term funding requirements, where the amount of money that you need is not going to change. Loans are also useful for financing things such as assets and start-up capital. However raising finance for a business is becoming increasingly difficult, whether
- [Do you need a medium term business loan?](https://www.factoringhelpline.co.uk/business-loans/do-you-need-a-medium-term-business-loan/) - If your business is looking to borrow money that is repayable over a term of 1 to 3 years, then your business needs a medium term business loan. Medium term business loans are very popular in business, and they are often used to fund business development. The money can be used in a variety of
- [Do you need a business startup loan](https://www.factoringhelpline.co.uk/business-loans/do-you-need-a-business-startup-loan/) - When you are in the start up phase of a business, managing your cash flow can be difficult and incredibly frustrating. Not only are you working really hard to set up and establish your business but you are also having to put time and energy into efficiently and effectively running your business. Starting a business
- [Business variable rate loan](https://www.factoringhelpline.co.uk/business-loans/business-variable-rate-loan/) - Businesses often need to borrow money over the long term, particularly to purchase large items such as new equipment, premises, or to invest in a new line of stock or to launch a new product or service. All of which will have a big impact on the success of the business. There is a variety
- [Business secured loans](https://www.factoringhelpline.co.uk/business-loans/business-secured-loans/) - If you need to borrow money for your business secured loans are an option, however if possible you should consider all your options. This is because when borrowing money to develop your business you want your debt to be as flexible as possible so that you are not tied into anything that could hold your
- [Business loans UK - finding finance that delivers](https://www.factoringhelpline.co.uk/business-loans/business-loans-uk-finding-finance-that-delivers/) - Most businesses need to borrow some extra money from time to time, whether it's to start a business, for expansion or investment or simply to help with cash flow. In the start up phase you may need finance to cover the day-to-day expenses when you are spending the cash that you do have on developing
- [Business loan UK](https://www.factoringhelpline.co.uk/business-loans/business-loan-uk/) - If you want to grow or expand your business and if you want to increase turnover and profitability then you need to invest in your business. To do this business's normally need to borrow money. If you are wondering if a business loan is right for you, or you are interested in hearing more about
- [Business IT Loans](https://www.factoringhelpline.co.uk/business-loans/business-it-loans/) - Most businesses today rely on IT to run their businesses efficiently. Often businesses find that without a good IT system to support them, they can loose precious time and money. However implementing a new IT system can be costly, and the money for this cost is often hard to find for new and young businesses.
- [Business fixed rate loan](https://www.factoringhelpline.co.uk/business-loans/business-fixed-rate-loan/) - A business fixed rate loan is a type of business loan where the interest rate is fixed for the life time of the loan. So when you start the loan you know exactly what the repayments will be for the lifetime of the loan. Traditionally taking out a business fixed rate loan from a bank
- [Business Finance Loans](https://www.factoringhelpline.co.uk/business-loans/business-finance-loans/) - All new start-ups need money to get their business going, whether its to purchase stock and equipment, or to fit out premise or to develop and market products and services. They also need money to help bridge the gap between start up and development until customers start paying. If you are in the start-up phase
- [Secured business loans](https://www.factoringhelpline.co.uk/business-loans/secured-business-loans/) - Businesses often need to borrow money in order to grow, this is because they need the extra cash to buy new equipment, new property and invest in new skills as without these extra investments the business would not be able to achieve real scale. If your business already owns assets like property, this can be
- [Business development loans](https://www.factoringhelpline.co.uk/business-loans/business-development-loans/) - Over time most business naturally grow, however if you want to get more customers, turnover and profit without the long wait then you need in invest in your business. Major growth requires investment in many areas, which may include: Premises Equipment Staff In order to make these investments your business needs money. Flexible business development
- [Bad credit business loans](https://www.factoringhelpline.co.uk/business-loans/bad-credit-business-loans/) - If you have bad credit, then understandably you will find securing a loan more difficulty as many banks will be unwilling to lend you money. However there is no need to worry, securing a bad credit business loan is possible, and you will find many organisations who are happy to do business with you. If
- [An alternative to small business loans](https://www.factoringhelpline.co.uk/business-loans/an-alternative-to-small-business-loans/) - Small businesses can often find that cash can hold back their growth. Small businesses may want to invest in new machinery, premises, talent, or develop a new product and service; however they may find that they just don't have the cash available to turn these plans into reality. If this is the case then a
- [Business Loans](https://www.factoringhelpline.co.uk/business-loans/) - A business Loan is an amount of money borrowed for a set period within an agreed repayment schedule. A business loan can provide your business with the injection of cash it needs, whether it's to start your business, for expansion or investment, for equipment or premises or to market your business. Loans can also be
- [Small business finance for better cash flow](https://www.factoringhelpline.co.uk/business-finance/small-business-finance-for-better-cash-flow/) - Maintaining cash flow is a big concern for small business finance, as cash is very important when it comes to the financial management of a growing company. Cash flow can become an issue due to the lag time between when you have to pay your suppliers and employees and the time that your collect payments
- [Protecting future income with credit protection](https://www.factoringhelpline.co.uk/business-finance/protecting-future-income-with-credit-protection/) - If you are worried about the ability of your customers to pay you for what they have purchased or if a small number of customers represents a large percentage of your accounts receivable or if the non payment of a larger customer could have an adverse impact on your business, then Credit Protection may be
- [Overview of Business Finance :: Finding the right products for your situation](https://www.factoringhelpline.co.uk/business-finance/overview-of-business-finance-finding-the-right-products-for-your-situation/) - All businesses need finance – or some 'cash' from time to time. Finance is often needed to: start a business, grow a business, buy new equipment, stock or premises, or simply to develop or market a new product or service line. Of course there may be times when your business just needs some extra cash
- [Investment](https://www.factoringhelpline.co.uk/business-finance/investment/) - Create a Budget Be mindful of expenses Zero Base Budget for Assets Plan with vision Be an Investor Save regularly Create a Budget Be mindful of expenses Zero Base Budget for Assets Plan with vision Be an Investor Save regularly Create a Budget Be mindful of expenses Zero Base Budget for Assets Plan with vision
- [Guide to business overdrafts](https://www.factoringhelpline.co.uk/business-finance/guide-to-business-overdrafts/) - ]The most flexible business borrowing is an agreed business overdraft, an overdraft is a borrowing facility attached to your bank account which allows you to borrow money quickly from your bank when you need it. You will usually pay a fixed fee for the borrowing facility and interest on the amount you borrow. Overdrafts are
- [Guide to Business Credit Cards](https://www.factoringhelpline.co.uk/business-finance/guide-to-business-credit-cards/) - No matter how small your business is, a Business Credit Card is a necessity. Credit cards can be a useful way of getting access to short term business finance and can help you overcome cash flow shortfalls. They can also help build up good credit history for your business. A credit card can provide your
- [Funding to start a business](https://www.factoringhelpline.co.uk/business-finance/funding-to-start-a-business-2/) - Businesses need cash in order to grow, the growth can be through investment in equipment, staff or premises or it can be through a marketing campaign to increase the awareness of your products or services. Even if growth will be organic the business will still need a robust working capital solution in order to get
- [Funding to start a business](https://www.factoringhelpline.co.uk/business-finance/funding-to-start-a-business/) - Finding the cash to start a business can be a daunting prospect, however there are many different options and resources available for start-up businesses. The new government agenda recognises the need to support innovation and entrepreneurship and there are also many private and corporate investors who are keen to invest in start-ups when they can
- [Finding the best deal - search for funding](https://www.factoringhelpline.co.uk/business-finance/finding-the-best-deal-search-for-funding/) - Not only do you need to find funding for your business, but you need to find the right kind of funding and get the best deal. This means that you need to be selective when searching for funding, and you will need to have a clear understanding of your finding requirements. The most important step
- [Finance for Business :: Managing your business cash flow](https://www.factoringhelpline.co.uk/business-finance/finance-for-business-managing-your-business-cash-flow/) - Finance for business aims to maximize your businesses value while also managing the businesses financial risks. Whatever your financial needs, whether you are looking for a short term cash flow solution or for longer term borrowing needs we will be able to find a range of solutions to suit your needs.Here are some common finance
- [Avoiding financial difficulty](https://www.factoringhelpline.co.uk/business-finance/avoiding-financial-difficulty/) - In order to avoid financial difficulty, businesses need to keep a careful eye on their financial position. Short term cash flow problems if not addressed can soon lead to insolvency and business failure. Some business analysts suggest that one of the reasons why so many businesses fail in their first few years of trading is
- [Business Finance](https://www.factoringhelpline.co.uk/business-finance/) - Business Finance Finding the right business finance is about identifying he exact needs of a business at its particular stage of growth, and tying a business plan in with an appropriate type of investment. Some businesses need more cashflow, especially in today's tough economic times. Others require a large single investment, even if it has
- [Benefits of Asset Finance](https://www.factoringhelpline.co.uk/benefits-of-asset-finance/) - Asset-based lending (ABL) is flexible which means it can be used in a variety of scenarios which require strong cashflow and access to working capital, such as: M&A activity Private equity buyout Refinancing Restructurings Funding for growth. M&A activity Private equity buyout Refinancing Restructurings Funding for growth. Advantages of Asset Finance Lack Of Debt Making
- [The benefits and advantages of using factoring](https://www.factoringhelpline.co.uk/factoring/the-benefits-and-advantages-of-using-factoring/) - If you are looking for a cost effective flexible way to raise money for your growing business Factoring should be strongly considered. The main points to understand are that factoring allows your business to grow and be controlled by you rather than the customers. Click Here To Apply Online for Factoring. Factoring has the benefit
- [Factoring Advice](https://www.factoringhelpline.co.uk/factoring/factoring-advice-2/) - The UK factoring helpline allows customers to compare online factoring quotes. Many businesses contact the factoringhelpline.co.uk complaining that all their cash is tied up in debtors or unpaid invoices. The good news is that with factoring businesses can get up to 90% of their invoices paid within 24 hours of submitting an invoice. By completing
- [Factoring Brokers](https://www.factoringhelpline.co.uk/factoring/factoring-brokers/) - Factoringhelpline.co.uk is an independent factoring broker offering free information and advice. Call our factoring experts on 0800 597 4757. Factoring Brokers - Compare Prices Easily Compare Prices & Save. Visit Now to Find the Best Deal. Leading Factoring Broker UK Instant Cash Up To 85% Of Invoice. Get an instant quote online or call us
- [Factoring and Invoice Discounting Frequently Asked Questions](https://www.factoringhelpline.co.uk/factoring/factoring-and-invoice-discounting-frequently-asked-questions/) - What is factoring and invoice discounting? Factoring is when a business sells its invoices to a third party and then the factoring company control the sales ledger and collects the debts. The customer is aware of the fact that the invoices have been factored.Invoice discounting is an alternative way of drawing money against your invoices.
- [Debt Factoring](https://www.factoringhelpline.co.uk/factoring/debt-factoring/) - Debt factoring is sometimes called Invoice Factoring or Factoring. Factoring provides a fast prepayment against your sales ledger. It allows you, at a cost, to flexibly increase your working capital and improve cashflow. Factoring is offered to businesses trading with other businesses on credit terms. It is not normally available to retailers or to cash
- [Compare Factoring Lenders](https://www.factoringhelpline.co.uk/factoring/compare-factoring-lenders/) - It can be quite difficult choosing a factoring lender and that is why factoringhelpline.co.uk is here to help business owners decide and even negotiate on your behalf. Factoring lenders can be: Banks Finance institutions Independent companies When you are comparing factoring lenders the initial decision should be based on : The costs of the factoring
- [Free Factoring Advice](https://www.factoringhelpline.co.uk/factoring/free-factoring-advice/) - The factoringhelpline.co.uk can negotiate on your behalf with any factoring company operating in the UK. Factoringhelpline.co.uk is FREE to all businesses. No charges are made as factoringhelpline.co.uk will receive commission from the factoring company. The factoringhelpline.co.uk will provide free factoring advice and introduce the best funders for your business. Please note we offer FREE factoring
- [Factoring](https://www.factoringhelpline.co.uk/factoring/) - Invoice Factoring is where an agent (or factor) buys all or some of your outstanding invoices, sometimes called accounts receivable or debt outright, advances you up to 90% of their value and repays you the remaining amount, minus a commission plus interest on the advance when the accounts are settled. The amount a factor is
- [Who uses factoring services?](https://www.factoringhelpline.co.uk/factoring/who-uses-factoring-services/) - The typical factoring service candidate has £5 million to £10 million in annual sales and £25,000 to £100,000 in accounts receivable every 30 to 60 days. We will find any business a solution to any cashlfow problem they may have and in doing so will give businesses the freedom to deal with customers they would
- [What is asset based factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-asset-based-factoring/) - Asset based factoring is often referred to as 'Revolving Credit'. Asset based factoring Factoring (or as it is sometimes known – Invoice based Finance) is a flexible funding and collections service which releases cash tied up in outstanding customer invoices, bridging the cash flow gap between raising an invoice and getting paid. Asset based factoring
- [What is accounts receivable factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-accounts-receivable-factoring/) - What does the term accounts receivable mean? Most business in the UK have accounts receivables functions. Accounts Receivables is simply the process of generating an invoice to send to a customer, who, in turn, must pay it within an established timeframe, called credit terms or payment terms. What is accounts receivable factoring? Accounts receivable factoring
- [How can factoring help a business?](https://www.factoringhelpline.co.uk/factoring/how-can-factoring-help-a-business/) - How can factoring help a business? Factoring - also known as 'debt factoring' - involves a business selling its invoices to a third party. In return they will process the invoices and allow you to draw funds against the money owed to your business. Essentially, these companies provide a finance, debt collection and ledger management
- [Asset Finance Overview](https://www.factoringhelpline.co.uk/asset-finance-overview/) - In the UK there are a number of sophisticated tools to help boost working capital and release funds for expansion. A key method of strengthening cashflow is to manage the assets of a company more efficiently and effectively. Asset-based lending (ABL), which includes factoring, invoice discounting and cashflow loans, is increasingly being considered a vital
- [Factoring Services](https://www.factoringhelpline.co.uk/factoring/factoring-services/) - Advance: This is the amount of money that we advance to you the day following receipt of your invoices and is expressed as a percentage. i.e. 85% of the invoice value will be advanced to you. Approved Debt: We take the value of the invoices you send to us. We reduce it by the level
- [What is credit factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-credit-factoring/) - Credit factoring is a method in which businesses that sell on credit can alleviate the problems relating to customers taking along time to pay. Credit Factoring is not a loan – it is the purchase of outstanding invoices by a credit factoring company. How does credit factoring differs from a bank loan Normal bank finance
- [Factoring in the UK](https://www.factoringhelpline.co.uk/factoring/factoring-in-the-uk/) - Contact Factoringhelpline.co.uk. We cover the whole UK and provide factoring, invoice discounting & business cashflow advice. We provide factoring services for businesses with a turnover of £50k to £20 million. Contact us for a free quote and improve your cash flow on 0800 597 4757. Services provided Invoice factoring Invoice finance Invoice discounting Credit control
- [What is Export Factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-export-factoring/) - Export factoring is when a business sells its credit invoices at a discount to a export factor company for so that up to 95% of the invoice value can be received within 24 hours. Export factoring is a special type of invoice factoring. Some factoring companies work within worldwide networks such as International Factors Group
- [What is Domestic Factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-domestic-factoring/) - Domestic factoring is a specialised financial service for businesses in the UK that is aimed at improving a businesses cash flow by providing finance against invoices to customers who take up to 120 days to pay. Domestic factoring companies usually advance payments up to 90% of the amount of assigned invoices within 24 hours. Factoringhelpline.co.uk
- [Factoring and Invoice Discounting](https://www.factoringhelpline.co.uk/factoring/factoring-and-invoice-discounting/) - At Factoringhelpline.co.uk we offer a range of services all designed to improve business cashflow by releasing some of the cash tied up in the value of invoices. Whether a sole trader, fast growing start-up or large corporate, we can help you find the right funding to suit your business. The most common invoice finance options
- [How invoice factoring can solve business cash flow problems](https://www.factoringhelpline.co.uk/factoring/how-invoice-factoring-can-solve-business-cash-flow-problems/) - If are would like to know how invoice factoring can solve business cash flow problems or just to discuss factoring in general please complete the following form or telephone 0800 597 4757 Factoring is a tried and tested tool that can to solve businesses cash flow problems. Factoringhelpline.co.uk will explain how factoring is a method
- [What can a factoring company do for your business?](https://www.factoringhelpline.co.uk/factoring/what-can-a-factoring-company-do-for-your-business/) - Using a factoring company is a great way for any business to remedy cash flow issues quickly. Many companies offer guarantees of funding in as little as 24 hours time.Factoringhelpline.co.uk can teach you all about invoice factoring, compare quotes instantly online or contact one of our trained cashflow experts on 0800 597 4757 Most businesses
- [Get a factoring quote and start to release your cash flow today](https://www.factoringhelpline.co.uk/factoring/get-a-factoring-quote-and-start-to-release-your-cash-flow-today/) - Factoringhelpline.co.uk: Invoice factoring and invoice discounting broker in the UK providing invoice finance solutions for you. The no.1 biggest business problem in the UK for small and medium sized companies is waiting 30 to 120 days for customers to pay invoices. Cashflow is not a problem for large or established business so can afford to
- [Choosing the best factoring service](https://www.factoringhelpline.co.uk/factoring/choosing-the-best-factoring-service/) - Factoring is a service available to businesses that sell on credit terms. Factoring is an alternative method to traditional funding (overdraft and loans) which releases cash that is tied up in unpaid invoices customer invoices. Please call 0845 612 2626 and one of our factoring consultants will talk you through how a factoring service works
- [Invoice Factoring](https://www.factoringhelpline.co.uk/factoring/invoice-factoring/) - Factoringhelpline.co.uk is one of the UKs leading services that will find and match a provider of invoice finance for businesses with annual sales of up to £10 million pounds. Please note that all the invoice finance providers make fast decisions, accept partial or whole turnover and credit control can be built in as part of
- [What is business factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-business-factoring/) - Are you considering factoring invoices? Business Factoring Advice – 0800 597 4757. Our team of experts can advice businesses whether to consider factoring to cover short falls in cashflow. We will talk you through the advantages and disadvantages of business factoring.What is business factoring? Business Factoring in the UK is a financial service for cash
- [A brief overview of invoice factoring in the UK](https://www.factoringhelpline.co.uk/factoring/a-brief-overview-of-invoice-factoring-in-the-uk/) - Business Factoring Overview: This section is intended as a technical guide for businesses of all size and industry sector that want to understand the precise details of how invoice factoring works in the UK. As high street banks turn more businesses away for overdraft and loans, business owners are considering alternative forms of finance, namely
- [Choosing the right accounts receivable factoring company](https://www.factoringhelpline.co.uk/factoring/choosing-the-right-accounts-receivable-factoring-company/) - Is accounts receivable factoring right for your business? Call 0800 597 4757 and our factoring team will assess you case. To avoid confusion an accounts receivable financing company is also known as accounts receivable factoring company or accounts receivable funding company. What is accounts receivable factoring? In the UK many business due to being new
- [Release cash immediately with accounts receivable](https://www.factoringhelpline.co.uk/factoring/release-cash-immediately-with-accounts-receivable/) - Taking out an accounts receivable factoring facility can be the difference between a business surviving and failing because factoring can release cash immediately with and change a businesses fortunes. Call 0800 597 4757 or apply on line to release cash immediately. In the UK owners of businesses of all sizes often find themselves in immediate
- [The benefits of accounts receivable factoring](https://www.factoringhelpline.co.uk/factoring/the-benefits-of-accounts-receivable-factoring/) - Factoring is an alternative source of financing that involves a business selling its outstanding accounts receivables at a discount to a factoring company. One of the benefits is that a business can get cash almost immediately By factoring accounts receivable a business can get a good source of short-term financing if the business is unable
- [Arranging a factoring accounts receivable facility](https://www.factoringhelpline.co.uk/factoring/arranging-a-factoring-accounts-receivable-facility-2/) - What is a Business Receivable? In most business in the UK business receivables are generated when an invoice is sent to a customer. Most businesses in the UK offer payment terms up to 90 days and some businesses offer a discount for early payment. Offering discounts is part of accounts receivable if a company agrees
- [The benefits of using factoring solutions](https://www.factoringhelpline.co.uk/factoring/the-benefits-of-using-factoring-solutions/) - The benefit of factoring as a solution to cash flow is it is a good way to fund working capital requirements. Factoring reduces working capital requirements. This is a major benefit. Factoring allows immediate realisation of debtors. Factoring shortens the cash cycle. Factoring can reduce costs of employing sales ledger staff. Factoring firms are generally
- [Why do you need a Factoring Consultant?](https://www.factoringhelpline.co.uk/factoring/why-do-you-need-a-factoring-consultant/) - There are over 50 factoring and invoice discounting companies in the UK and so choosing the best factoring option can be a minefield. The factoring consultants at factoringhelpline.co.uk have over 50 years combined experience in the field of factoring The factoring helpline work with consultants specialising in credit management and factoring with many years experience
- [Advantages and disadvantages of small business factoring](https://www.factoringhelpline.co.uk/factoring-companies/advantages-and-disadvantages-of-small-business-factoring/) - In the UK factoring and other forms of finance have to be considered by many small business owners with customers that pay too slowly. Please note that small business factoring has become so common that many banks are advising its customers to use factoring to help with small businesses grow and stay competitive. Advantages of
- [What you need to know about business factoring services](https://www.factoringhelpline.co.uk/factoring/what-you-need-to-know-about-business-factoring-services/) - Factoring enables you to grow your business. Business Factoring Services are offered by over 50 different companies in the UK and deciding which factoring is most suitable can be a minefield. Invoice factoring can enable you to free up cash flow immediately after invoices have been submitted. Find out if your business can benefit from
- [Company Factoring UK](https://www.factoringhelpline.co.uk/factoring/company-factoring-uk/) - Factoring services can provide hope any UK company that sells on credit terms because it provides an instant cash injection. Factoring is only suitable to a company who is trading in the UK company to company and who offer goods or services on credit terms. As an invoice is raised it is assigned to the
- [How does business debt factoring work in the UK](https://www.factoringhelpline.co.uk/factoring/how-does-business-debt-factoring-work-in-the-uk/) - A business debt factoring facility can be arranged if a business has turnover over £50,000 a year and sells its goods or services on credit terms. A business debt factoring company will buy those invoices at a discount and then collect the balance of the business debt from the customers. This arrangement is used to
- [Commercial factoring overview and benefits](https://www.factoringhelpline.co.uk/factoring/commercial-factoring-overview-and-benefits/) - Commercial Factoring has become one of the most popular methods for UK business raise finance and still be able to grow organically. A commercial factoring facility works is low risk as a business is only borrowing against the strength of it own invoices. A commercial factoring facility is so flexible because as the business grows
- [Looking for a Factoring Company](https://www.factoringhelpline.co.uk/factoring/looking-for-a-factoring-company/) - If you're looking for a flexible and cost effective solution to your cash flow need needs then please take a look at what a factoring company can offer your business. Are you looking for a Factoring Company UK – find the best deal by calling 0800 597 4757. When looking for a factoring company make
- [Considerations when selecting factoring companies](https://www.factoringhelpline.co.uk/factoring/considerations-when-selecting-factoring-companies/) - There are many considerations to consider when choosing a service from the many factoring companies in the UK. Some factoring companies are part of the major high street banks whilst others are independent owned. The best recommendation of which factoring company to use is from the factoringhelpline.co.uk. The factoringhelpline.co.uk can work with all the major
- [The Benefit of Factoring Brokers](https://www.factoringhelpline.co.uk/factoring/the-benefit-of-factoring-brokers/) - Every business is different and in the same way every factoring company is different. In this respect it can be difficult to choose which factoring company is best to use.In the UK there are so many factoring companies that deciding which one to use is down to personal choice. The problem is compounded by the
- [What is a Factoring Broker?](https://www.factoringhelpline.co.uk/factoring/what-is-a-factoring-broker/) - A factoring broker is either a person or a business which helps a company considering factoring its invoices find an appropriate factoring facility based on the needs and requirements of the business. Please note that the factoring broker merely acts as an agent to find a factor that will accept the accounts receivable or invoices
- [Free Factoring Advice Service](https://www.factoringhelpline.co.uk/factoring/free-factoring-advice-service/) - The factoringhelpline.co.uk offer a free factoring advice service on 0800 597 4757 and has been finding finance for businesses for over 10 years. Does your company sell on credit terms to other companies? If so then your business may be suitable for factoring. We cover the whole UK so you re ever far from the
- [Finding the best factoring deal for UK Companies](https://www.factoringhelpline.co.uk/factoring/finding-the-best-factoring-deal-for-uk-companies/) - The factoringhelpline.co.uk offer a free factoring advice service on 0800 597 4757 and has been finding finance for businesses for over 10 years. We are an invoice finance company working exclusively with businesses in need of cashflow. Our service is available to businesses throughout England and Wales. Worrying about money on a day to day
- [Free Factoring and Invoice Discounting Advice](https://www.factoringhelpline.co.uk/factoring/free-factoring-and-invoice-discounting-advice/) - This factoringhelpline.co.uk gives information on how factoring and invoice discounting work, the advantages and disadvantages, different types of factoring and invoice discounting, the cost, and how to choose a factor or discounter. Please feel free to read this section and call 0800 597 4757 for more information on factoring and invoice discounting. What is factoring?
- [Factoring companies in the UK](https://www.factoringhelpline.co.uk/factoring/factoring-companies-in-the-uk/) - In the UK factoring companies offer payment on invoices that have been submitted to customers on credit. Factoring companies in the UK can ensure that a business keeps its cashflow coming in. If you require any further information about factoring companies or our factoring in general then please call 0800 597 4757 or apply online.
- [The advantages of using a broker factoring company](https://www.factoringhelpline.co.uk/factoring/the-advantages-of-using-a-broker-factoring-company/) - If you run a business and wanting to release cash from the unpaid sales ledger, or thinking about factoring or invoice discounting then the UK factoringhelpline.co.uk can help by introducing you to some of the top factoring companies throughout the UK. Many businesses in the UK choose to use a broker factoring company because the
- [Factoring future cash payments](https://www.factoringhelpline.co.uk/factoring/factoring-future-cash-payments/) - The idea of having cash in hand is an important concept in business. If a business doesn't have to wait to get paid by customers it can make investment in stock and have available cash to pay bills. In fact the concept of getting future cash payments in the bank immediately avoids the need to
- [Broker Factoring](https://www.factoringhelpline.co.uk/factoring/broker-factoring/) - Factoring allows businesses the opportunity to borrow against money that they expect to receive in the future from invoices that have been submitted. A factoring broker is an individual or business that facilitates the sale of one company's invoices to a factoring company. The unpaid invoices represent the money that a company is owed for
- [How can you or your business benefit from Business Factoring?](https://www.factoringhelpline.co.uk/factoring/how-can-you-or-your-business-benefit-from-business-factoring/) - In the UK business owners consider business factoring as a potential solution to cash flow problems because it allows the company or business to benefit from increased cash flow. A business factoring facility is actually quite a simple concept. A business that sells goods or services on a business to business basis on credit sends
- [The benefits of using a broker factoring company](https://www.factoringhelpline.co.uk/factoring/the-benefits-of-using-a-broker-factoring-company/) - It is a difficult decision to decide what you want to do or who you want to work with to solve your business cashflow problems. A broker factoring company can provide a comprehensive service that helps you understand the options that you have and guides you through how you can set up a solution that
- [An overview of Independent Invoice Factoring Companies](https://www.factoringhelpline.co.uk/factoring/an-overview-of-independent-invoice-factoring-companies/) - In the UK there are lots of invoice factoring companies. There are lots of small to mid size invoice factoring companies and some factoring companies are the big high street banks. To confuse matters even more there are international invoice factoring companies and even niche invoice factoring companies that specialise in particular industries that will
- [Which lender is right for your business if your business trades UK wide?](https://www.factoringhelpline.co.uk/factoring/which-lender-is-right-for-your-business-if-your-business-trades-uk-wide/) - In the UK there are hundreds of firms that offer factoring. Some are owned by the major high street banks and others are small independent or niche lenders. The hard decision is knowing which lender is right for your business. A factoring company or lender can work with any business or government agency in the
- [Choosing a factoring company to help your business grow](https://www.factoringhelpline.co.uk/factoring/choosing-a-factoring-company-to-help-your-business-grow/) - In the UK choosing the right Factoring company is essential for business to have the right level of cashflow for the smooth running of a business. Please note that a factoring company is meant for your convenience an d to decide the best the one that suits your needs you should do perform a thorough
- [The benefits of using broker factoring](https://www.factoringhelpline.co.uk/factoring/the-benefits-of-using-broker-factoring/) - The section of the site will provide you with more information about independent broker factoring service and what you can expect from them in the UK The role of independent broker factoring services has become increasingly important as the number of benefits, disadvantages and financial decision-making becomes increasingly complicated. An independent broker factoring firm is
- [Factoring for new businesses or startups](https://www.factoringhelpline.co.uk/factoring/factoring-for-new-businesses-or-startups/) - When you're starting up, cash flow will be the biggest factor. In the UK over half a million new businesses or start start-up firms are set up every year. Starting a new business can be an uncertain time. There a several key factors that can help you successfully start up and run a business. A
- [Factoring for export companies](https://www.factoringhelpline.co.uk/industry-specific-finance/factoring-for-export-companies/) - Getting paid on time and ensuring an export business has cashflow is one of key steps in running a successful exporting business. The delay between the shipping of goods and your receiving payment for them will affect your cashflow. It's worth discussing factoring or invoice discounting to alleviate any problems with an export company cash
- [Invoice factoring in the UK explained](https://www.factoringhelpline.co.uk/factoring/invoice-factoring-in-the-uk-explained/) - Are you looking for factoring or business finance advice? Contact 0800 597 4757 for specialist factoring, invoice discounting & business cashflow advice explained in plain English. Invoice Factoring Explained A business using factoring simply gives its invoices to the factoring company who then pay up to 85% of the value of the invoices. The factoring
- [Factoring Agents](https://www.factoringhelpline.co.uk/factoring/factoring-agents/) - In business there is saying that 'cash is king'. Every day firms and companies face financial issues because their money is tied up in unpaid invoice. On paper most businesses are but face cashflow difficulties because they cannot pay their bills on time. A factoring or invoice discounting facility can solve this problem. Factoring agents
- [Factoring Companies](https://www.factoringhelpline.co.uk/factoring/factoring-companies/) - In the UK factoring companies offer payment on invoices that have been submitted to customers on credit. Factoring companies in the UK can ensure that a business keeps its cashflow coming in. If you require any further information about factoring companies or our factoring in general then please call 0800 597 4757 or apply online.
- [Invoice factoring and finance for SME businesses](https://www.factoringhelpline.co.uk/factoring/invoice-factoring-and-finance-for-sme-businesses/) - What is an SME? The term SME stands for 'Small and medium enterprises'. In the UK an SME is business whose number of staff or yearly sale falls below certain limits. The UK factoringhelpline.co.uk provides general advice and information to SME businesses to provide then access to business funding such as invoice factoring and invoice
- [SME factoring in the UK](https://www.factoringhelpline.co.uk/factoring/sme-factoring-in-the-uk/) - In the UK factoring and other forms of finance have to be considered by many SME owners. Please note that SME factoring has become so common that many banks are advising its customers to use factoring to help with SME businesses grow and stay competitive. What makes an SME suitable for factoring? SME factoring is
- [SME Finance](https://www.factoringhelpline.co.uk/factoring/sme-finance/) - SME finance is a 'growth finance sector'. In the UK SME finance is the funding of small and medium sized businesses, and represents a major function of the general business finance market – in which start up or working capital funding for different types of businesses are supplied. SME finance can take the form of:-
- [Accounts receivable finance funding](https://www.factoringhelpline.co.uk/factoring/accounts-receivable-finance-funding/) - In the UK obtaining the correct method if financing and funding can be major hurdle for many small and medium sizes businesses. Please note that businesses are constantly searching for methods to alleviate cash flow problems and with the cost of borrowing on the rise, small and medium sizes business are looking to accounts receivable
- [Business invoice factoring](https://www.factoringhelpline.co.uk/factoring/business-invoice-factoring/) - The UK factoringhelpline.co.uk business invoice factoring service team has over 10 years advising business owners on the benefits of factoring and invoice discounting companies. If you are business owner and would like an informal discussion on the benefits of business invoice factoring please call 0800 597 4757 or apply online In the UK every business
- [Buy Invoices](https://www.factoringhelpline.co.uk/factoring/buy-invoices/) - The UK factoringhelpline.co.uk offers professional advice on factoring, invoice discounting as methods for firms to buy invoices. The aim of the factoringhelpline.co.uk is to provide a high quality of factoring and invoice discounting service and to support businesses looking to raise finance by allowing an invoice finance company to buy outstanding invoices. Do you sell
- [Cash Flow advice for UK Business](https://www.factoringhelpline.co.uk/factoring/cash-flow-advice-for-uk-business/) - Get expert advice on Cash Flow & help your business grow, today by calling 0800 597 4757 or apply online What is cash flow? Cash flow is the movement of cash into or out of a business Why is cash flow important? The level of cashflow can determine problems with a business's liquidity. Being profitable
- [Cash flow finance financing advice](https://www.factoringhelpline.co.uk/factoring/cash-flow-finance-financing-advice/) - In the UK once a business is established and running well it is for business owners 'rest on their laurels'. However, a savvy business owner should regularly review their business and think of new ways keep or improve their market position and decide where to take the business in future An important part of any
- [Cash flow help to business in the UK](https://www.factoringhelpline.co.uk/factoring/cash-flow-help-to-business-in-the-uk/) - It is very important for a business owner to understand the concept and benefits of cashflow. Cash is the lifeblood of a business that allows it to survive, pay wages, pay suppliers and stay solvent. Please note that a business can survive for a short time without sales or profits but without cash it will
- [UK factoring and invoice discounting advice service](https://www.factoringhelpline.co.uk/factoring/uk-factoring-and-invoice-discounting-advice-service-2/) - Are you considering factoring your invoices? Compare 100's of factoring Deals in the UK! Get Free Advice on 0800 597 4757 or apply online for impartial advice and sound advice regarding the selection of a factoring company. Factoring advice from an established factoring advice service. We compare Factoring deals Advice on which factoring companies to
- [UK factoring and invoice discounting advice service](https://www.factoringhelpline.co.uk/factoring/uk-factoring-and-invoice-discounting-advice-service/) - Wherever you are, if you are the owner or manager of an independent business, the a factoring adviser from The UK factoringhelpline.co.uk service will enable you to access a wide variety of factoring companies through by either applying online or calling 0800 597 4757. In the UK a factoring adviser can come from a diverse
- [UK Factoring Consultants](https://www.factoringhelpline.co.uk/factoring/uk-factoring-consultants/) - In the UK there are various factoring consultants that provide 'expert' or prescriptive approach at to business cash flow problems. A factoring consultant takes the role of an expert, and provides expert advice or assistance to the business and will then make recommendations as to which factoring company to instruct. A factoring consultant will be
- [UK factoring firms](https://www.factoringhelpline.co.uk/factoring/uk-factoring-firms/) - In the UK factoring is a method used by a firm to obtain cash that is tied up in unpaid invoices. A firm would use factoring to obtain the cash needed to accommodate the firm's immediate cashflow needs and will allow the firm to maintain cash for working capital needs. SME firm owners must learn
- [Factoring future cash payments for small to medium size businesses](https://www.factoringhelpline.co.uk/factoring/factoring-future-cash-payments-for-small-to-medium-size-businesses/) - How does Factoring future cash payments involve for a small to medium business? The UK factoringhelpline.co.uk offer independent factoring future cash payments advice to businesses of all sizes. There is an ancient proverb that says,'A bird in the hand is worth two in the bush'. This means that's its better to have something now rather
- [Factoring Information](https://www.factoringhelpline.co.uk/factoring/factoring-information/) - Factoring Information to UK business looking to improve cash flow Factoring is where an agent (or factor) buys all or some of your outstanding invoices, sometimes called accounts receivable or debt outright, advances you up to 90% of their value and repays you the remaining amount, minus a commission plus interest on the advance when
- [Getting a factoring quote](https://www.factoringhelpline.co.uk/factoring/getting-a-factoring-quote/) - There are many factors will help you decide whether you have confidence in a factoring company to factor invoices quickly and efficiently with as little risk of things going wrong as possible. If you do not have that confidence in any of the factoring companies you have selected then find someone else. This may take
- [Factoring can take the worry away from invoicing](https://www.factoringhelpline.co.uk/factoring/factoring-can-take-the-worry-away-from-invoicing/) - Invoicing is such an important part of your business records and it is important to get the invoicing right so that invoices get paid on time. An invoice not only shows the customer or client how much money is due but provides tax and accountancy information. Getting an invoicing system and payment terms right is
- [Using a factoring company to get money in quickly](https://www.factoringhelpline.co.uk/factoring/using-a-factoring-company-to-get-money-in-quickly/) - Factoring is a flexible form of business finance available in the UK, which advances money to a company as it issues new invoices. Factoring money tied up in invoices can be an ideal solution for business owners that cannot afford to wait 30 to 60 days to get paid. The importance of factoring and getting
- [Recourse factoring explained](https://www.factoringhelpline.co.uk/factoring/recourse-factoring-explained/) - What is factoring? A business using factoring simply gives its invoices to the factoring company who then pay up to 85% of the value of the invoices. The factoring company then collects the invoice from the customer. Once payment is collected the factoring company pays the balance of the invoiced amount less the agreed invoice
- [Non-recourse factoring explained](https://www.factoringhelpline.co.uk/factoring/non-recourse-factoring-explained/) - What is factoring? In the UK factoring involves a business selling its invoices to a factoring company. In return the factoring company will pay up to 80-90% of the invoice against the money owed to your business. In the UK factoring companies provide a finance, debt collection and ledger management service. Factoring is commonly used
- [Purchase order financing in the UK](https://www.factoringhelpline.co.uk/factoring/purchase-order-financing-in-the-uk/) - What is a purchase order? A purchase order is a document used in businesses issued by a business to its customers, indicating types, quantities, and agreed prices for products or services the businesses will provide to the customers. Sending a purchase order to a customer constitutes a legal offer to buy products or services. Acceptance
- [What is Reverse Factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-reverse-factoring/) - What is factoring and invoice discounting? Invoice finance is business finance product that involves a business selling its unpaid invoices to a bank. The bank retains control of the debt-collection process, in return for the bank providing facts access to funds. Reverse factoring explained Reverse factoring is a method that would enable suppliers to be
- [Small business financing](https://www.factoringhelpline.co.uk/factoring/small-business-financing/) - What is a small business? In the UK a small business is a business that is privately owned and operated, with a small number of employees and relatively low volume of sales. Small businesses are normally privately owned corporations, partnerships, or sole proprietorships. There is a real need for small business to be able to
- [Working capital factoring explained](https://www.factoringhelpline.co.uk/factoring/working-capital-factoring-explained/) - What is working capital? Working capital factoring is one of a number of cash flow solutions for businesses available from banks and other lenders. In the UK working capital is the difference between current assets and current liabilities. Working capital is simply the level of cashflow needed to satisfy the needs of a business during
- [Business Debt Factoring](https://www.factoringhelpline.co.uk/factoring/business-debt-factoring/) - Business debt Factoring in the UK is a business service for businesses whereby a business sells its unpaid invoices to a third party, called a business debt factoring company, at a discount in exchange for upfront money of up to 80-95% in value of the invoice with which to finance continued business. Is business debt
- [Factoring advice for increasing cashflow](https://www.factoringhelpline.co.uk/factoring/factoring-advice-for-increasing-cashflow/) - If you run a business and are tired of waiting for customers to pay then please consider a factoring facility. Contact the UK factoring helpline for help with business cashflow, factoring, invoice discounting & business cashflow advice on 0800 597 4757 We are specialists in business factoring advice, helping businesses across the country to raise
- [Factoring to solve cashflow problems](https://www.factoringhelpline.co.uk/factoring/factoring-to-solve-cashflow-problems/) - Cash flow is one of the main reasons businesses fail. How to increase cash flow is the something every business tries to do. Even successful business, have experienced poor cash flow at some point. What is cashflow? Cash flow is the movement of cash into or out of a business. Being profitable does not necessarily
- [Are you looking to change your factoring company?](https://www.factoringhelpline.co.uk/factoring/are-you-looking-to-change-your-factoring-company/) - After a number of years, it can be worthwhile to change factoring company. Do you run a business that sells on credit? Are you looking for a new factoring company? Call 0800 597 4757 and speak to one of the factoring advice team to see whether we can improve on your factoring facility. There could
- [Commercial finance solutions](https://www.factoringhelpline.co.uk/factoring/commercial-finance-solutions/) - Using commercial factoring as a type of business finance The UK Factoring Helpline provide professional advice on all types of commercial finance for businesses of all sizes. Call us on 0800 597 4757 or apply online for commercial finance help. There are lots of commercial finance products available in the UK to start or grow
- [Credit Factoring Advice](https://www.factoringhelpline.co.uk/factoring/credit-factoring-advice/) - Credit factoring is a business financing method that allows a business to get its invoices paid in as little as 24 hours. Credit factoring can provide a business with the necessary capital to operate the business, pay suppliers and grow – and NOT have to wait around for client to pay!!! Please note that credit
- [Courier Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/courier-companies/) - If you run a courier company you need to make sure you have the cash to keep the business going in the leaner times. If you are starting small you might hope to start making significant profits after the third year of trading. For a courier company a detailed business plan containing realistic financial forecasts
- [Recruitment Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/recruitment-companies/) - The recruitment industry: Cashflow and Factoring The recruitment industry in the UK is a multi-billion pound industry. Lots of owner managers of recruitment companies are great sales people and fantastic entrepreneurs but not always as focused on finance Running a recruitment agency is very difficult and the demands on cashflow are enormous. According to “The
- [Logistic Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/logistic-companies/) - Factoring is a powerful financial product that has fueled the growth and success of a number of logistic companies in the UK. A logistics company using factoring will enable it to capitalise on their unpaid receivables by selling them to a factoring company for immediate payment. In a logistics company cash the most important factor.
- [IT Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/it-companies/) - In the UK one of the biggest problems in the IT industry is the long delay it typically takes to get paid by customers .It is not uncommon for it to take 60 to 90 days from the time an IT company completes a job or contract to the time when the company actually gets
- [Manufacturing Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/manufacturing-companies/) - The UK manufacturing sector is currently in recession and is in decline. The British manufacturing sector is fairly diversified, but its key strengths lie in the aerospace, high technology and pharmaceutical industries - and to some extent car production. As far as the manufacturing sector is concerned, factoring involves a manufacturing business using its outstanding
- [Media Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/media-companies/) - In the UK there are many types of business operating in the media industry. The development of new technology has ensured that this has been a growing industry.Businesses in the media sector are throughout the UK, but the majorities are found in London and the South East, with just over half of the media sector
- [Advertising Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/advertising-companies/) - The UK's advertising industry provides a vast range of services to national and international clients every day. The UK is an international creative and media hub, with successful and established business understanding that global brand owners need advertising to optimise their brand communications around the world. However the recession in the UK has been particularly
- [Printing Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/printing-companies/) - In the UK the printing Industry is made up of a multitude of fields. The printing industry generates a wide range of products that are commonplace in the lives of people of ages. Cashflow is of the upmost importance as costs associated with technical advancement and research are constantly rising and changing. Over the last
- [Publishing Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/publishing-companies/) - The publishing sector as a whole is the largest creative industry in the UK. It has a combined turnover of at least £20 billion, with 8,500-plus companies directly employing around 167,000 people. At the heart of the sector lies a diverse range of companies that combine creativity, innovation and application with constantly evolving methods of
- [Professional Services Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/professional-services-companies/) - Professional services companies are in a position of trust with their clients. They are well educated and have a good general understanding of law and business procedures. Some professional services firms are accountants and some offer marketing, consulting or legal services. Over the last 10 years the factoringhelpline.co.uk has advised the following types of professional
- [Retail Warehouse Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/retail-warehouse-companies/) - Factoring is very commonplace in the retail warehouse industry because debt finance providers generally are looking for 'clean' invoices where there is clear evidence of delivery of the goods or service and a low level of disputes or credit notes. In the UK there are hundreds of retail warehousing businesses holding millions of products and
- [UK Distribution Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/uk-distribution-companies/) - Using a factoring company is a great way for any business to remedy cash flow issues quickly. Many companies offer guarantees of funding in as little as 24 hours time. Factoringhelpline.co.uk can teach you all about invoice factoring, compare quotes instantly online or contact one of our trained cashflow experts on 0800 597 4757.Product distribution
- [Phoenix and Pre-pack Administration Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/phoenix-and-pre-pack-administration-companies/) - In the UK administration and the use of phoenix companies are becoming an increasingly common route for struggling businesses to go down. The good news is that if a core business is viable then most factoring and invoice finance firms will happily deal with the new company. After or during a company or business insolvency
- [Haulage Companies](https://www.factoringhelpline.co.uk/industry-specific-finance/haulage-companies/) - Factoring for Haulage companies The UK road haulage industry carries over 80% of all domestic freight. UK haulage businesses are made up of a handful of large haulage business and mainly smaller owner managed business. Cashflow is of the utmost importance and invoice factoring can be used to great advantage to support cashflow and financial
- [Which businesses are suitable for factoring?](https://www.factoringhelpline.co.uk/factoring/which-businesses-are-suitable-for-factoring/) - Factoring should be considered as an option for a small business that is experiencing cashflow problems but has a good core business. In this case, factoring can help you get through these periods without incurring additional debt and without negatively impacting your credit rating. By factoring their accounts receivable, UK business can have the cashflow
- [Compare Factoring Quotes](https://www.factoringhelpline.co.uk/factoring/compare-factoring-quotes/) - We compare the factoring rates for any type of business. Let factoringhelpline.co.uk do the hard work for you. The market for factoring and invoice discounting is very competitive and complicated making the role of a factoring and invoice discounting broker more and more popular. We can provide a fast comparison of factoring, invoice discounting and
- [Site Map](https://www.factoringhelpline.co.uk/company-info/site-map/) - UK Factoring Helpline - Home Page Asset Financing Asset Finance Overview - Asset-based lending (ABL) The benefits of using Asset Financing Business Finance Avoiding financial difficulty :: Business Finance Help Protecting future income with credit protection :: Business Finance Help Business funding for distressed businesses :: Business Finance Help Finance for Business :: Managing your
- [Services to Introducers](https://www.factoringhelpline.co.uk/company-info/services-to-introducers/) - The UK Factoring & Invoice Discounting Helpline referral programme is a unique national professional resource, providing practical, cost-effective solutions for businesses. The service actively receives referrals from over 150 business partners including; insolvency practitioners, accountants, solicitors, finance brokers and banks to name few. We have a long standing reputation for working alongside our referral partners
- [Contact Us](https://www.factoringhelpline.co.uk/company-info/contact-us/) - To use our free service, simply contact us using your preferred route below. Tell us about your situation and we will ensure that you are contacted by one of our specialists for a free consultation. Generally they will try to reach you straight away. Our call centre is manned with trained staff so if you
- [Company Info](https://www.factoringhelpline.co.uk/company-info/) - Welcome. You have reached the brand new website of The UK Factoring and Invoice Discounting Helpline. We provide factoring invoicing, invoice discounting and factoring advice to businesses across the UK.Poor credit history, or lack of a track record is not a problem. All enquirers are welcome whatever your status or circumstances. Start up businesses always
- [Step-by-step guide to Invoice Finance](https://www.factoringhelpline.co.uk/invoice-finance/step-by-step-guide-to-invoice-finance/) - Enquiry stage This gives the invoice finance provider an opportunity to capture some basic information and gain a better understanding of how your business operates, and evaluates your requirements to see if you can benefit from an invoice finance service. Sales manager call/visit The invoice finance provider will come and talk to you about your
- [What does Invoice Finance cost?](https://www.factoringhelpline.co.uk/invoice-finance/what-does-invoice-finance-cost/) - Compared with other types of business finance, invoice finance is a cost effective solution, and when compared with bank funding, the cost of money advanced is competitive. Although in general terms, fees are tailored to the specific needs of businesses and therefore differ from firm to firm. There are two types of fee: Service Fee
- [Who is suitable for Invoice Finance?](https://www.factoringhelpline.co.uk/invoice-finance/who-is-suitable-for-invoice-finance/) - Whether your businesses is large or small, long-established or fledgling, liquid or experiencing cashflow difficulties, you could benefit from the significant advantages invoice finance offers. Invoice finance is perfect for: Fast-growing firms lacking the capital resources and cashflow to fund expansion plans. Start-up businesses and young companies with a turnover of at least£50,000 per annum
- [How Invoice Finance works](https://www.factoringhelpline.co.uk/invoice-finance/how-invoice-finance-works/) - By releasing funds tied up in outstanding customer invoices, factoring and invoice discounting gives you an immediate cash-injection and an ongoing supply of cash that grows in line with your sales. Factoring - Factoring provides a funding and collections service. You invoice your customers for goods and services, and send details of the sales invoice
- [Advantages of Invoice Finance](https://www.factoringhelpline.co.uk/invoice-finance/advantages-of-invoice-finance/) - There are a number of advantages that invoice finance offers over other funding options. A secure form of finance The sales ledger is used to secure access to funds, so as your business grows so does the amount of funds that can be made available to you. Access to specialist expertise Invoice financiers take an
- [Invoice finance overview](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-overview/) - Invoice finance takes two main forms – factoring and invoice discounting. The different benefits provided by these services are listed below. What is factoring? Factoring is a flexible funding and collections service which releases cash tied up in outstanding customer invoices. What this means: You can bridge the cashflow gap between raising an invoice and
- [Invoice discounting quotes](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-quotes/) - At the UK factoring helpline we strive to compare quotes more the leading invoice discounting providers in the UK including high street banks, independently owned businesses and niche firms of invoice discounting companies. Either call us on 0800 597 4757 or apply online to compare invoice discounting quotes today.Invoice discounting is popular form of invoice
- [Disclosed invoice discounting](https://www.factoringhelpline.co.uk/invoice-discounting/disclosed-invoice-discounting/) - Invoice Discounting in a type of invoice finance that provides a business with enough cash to fund its working capital requirements. A facility enables a business to raise cash against your business to business invoices, without having to wait weeks or months for payment improved working capital. The improved cash flow that invoice discounting offers
- [Confidential invoice discounting](https://www.factoringhelpline.co.uk/invoice-discounting/confidential-invoice-discounting/) - In the UK a confidential facility is private agreement between an invoice finance provider and a business which remains undisclosed to customers of the business. In the UK, at present, over 70,000 businesses have confidential invoice discounting facilities in operation. For help and assistance choosing an confidential invoice discounting company please call 0800 597 4757
- [Invoice Discounting Process](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-process/) - In the UK invoice discounting comes under the umbrella of invoice finance. Invoice discounting is a financial product available to businesses in the UK that sell goods and services on credit. It is used to improve a company's working capital and cash flow position Invoice discounting is an alternative method to factoring of drawing money
- [Factoring Explained](https://www.factoringhelpline.co.uk/factoring/factoring-explained/) - Factoring is the popular process whereby a business sells its invoices to a factoring company at a discount The whole benefit of factoring is that the business gets money straight way and does not have to wait the 30-90 days business take to pay in the usual business cylcle. Factoring differs from a bank loan
- [Guide To Factoring](https://www.factoringhelpline.co.uk/factoring/guide-to-factoring/) - Factoring, invoice discounting and invoice finance has become an increasingly popular method in recent years for business to deal with the strains of cashflow. Factoring companies now need to consider at least two things: the type of business they want and who the customers are. Factoring is the process of selling your invoices to a
- [Factoring Advice](https://www.factoringhelpline.co.uk/factoring/factoring-advice/) - The UK Factoring Helpline provides independent factoring advice in all types of factoring and invoice factoring. The service has helped over 20,000 businesses across the UK find a factoring solution. Why factoringhelpline.co.uk? Free advice on how to factor invoices Unbiased advice from entrepreneurs and banking professional Advice available nationwide throughout the UK Advice and support
- [Compare Factoring Companies](https://www.factoringhelpline.co.uk/factoring/compare-factoring-companies/) - There are over 50 different factoring firms in the UK. Almost every bank offers factoring as well the many niche factoring forms scattered across the UK. We don't just help you find factoring at the lowest price. We help you compare features too, so it's easier to find the factoring quote that suits you best.
- [Business funding for distressed businesses](https://www.factoringhelpline.co.uk/business-finance/business-funding-for-distressed-businesses/) - As soon as you believe that your business is in or may be approaching financial problems you must take action or seek help. Hesitating or waiting to see how things turn out will not make the financial problems go away and will not help to resolve the difficulties. Cash forecasting Cash flow forecasting is an
- [Business Turnaround](https://www.factoringhelpline.co.uk/business-turnaround/) - If your business is suffering for any of the following problems: cash flow inability to pay bills more liabilities than assets customers who won't pay If so then your business might be at the stage of distress or insolvency, at this point it is a good idea to speak to a business turnaround specialist as
- [Invoice Finance](https://www.factoringhelpline.co.uk/invoice-finance/) - Keeping the cash flowing is the most important part of any business, even more so in a recovering economy. After all, accessing the money you're owed allows you to grab new opportunities, bring plans to life, buy new equipment, pay staff wages and negotiate the best terms with our suppliers. Unfortunately, maintaining a regular flow
- [Invoice Discounting](https://www.factoringhelpline.co.uk/invoice-discounting/) - Invoice discounting is type of Asset Based Lending. Invoice discounting is a cost-effective, cheap and efficient way for businesses to improve their cashflow. Invoice discounting is a popular method of raising money against your invoices quickly. Invoice discounting is an attractive option for business because it allows the business to retains control over the administration
- [What is Invoice Factoring and How Does it Work?](https://www.factoringhelpline.co.uk/factoring/what-is-invoice-factoring-and-how-does-it-work/) - What is Invoice Factoring and How Does it Work? Factoring involves a process where a factor agent buys your outstanding invoices, otherwise known as 'accounts receivable'. They then pay you an advance of up to 90% of what those invoices are worth, and repay the remainder of the outstanding invoice amount when your clients pay
- [What factors are Factoring and Invoice Discounting companies looking for, when they are deciding if the applicant is suitable for a facility? ](https://www.factoringhelpline.co.uk/invoice-finance/factors-factoring-invoice-discounting-companies-looking-deciding-applicant-suitable-facility/) - What factors are Factoring and Invoice Discounting companies looking for, when they are deciding if the applicant is suitable for a facility? The invoice discounter will first check the business by carrying out a mini audit if the firms customers and accounts systems. After the audit has been passed the invoice discounting company set up
- [Recruitment (Temporary & Permanent) Is A Preferred Industry In The Invoice Financing Industry](https://www.factoringhelpline.co.uk/invoice-finance/recruitment-temporary-permanent-preferred-industry-invoice-financing-industry/) - Recruitment (Temporary & Permanent) Is A Preferred Industry In The Invoice Financing Industry A Factoring client can typically raise up to 90% (and even as high as 100%) of the value of its unpaid invoices with Factoring, usually within 48 hours. A healthy Cash flow is always a concern for young and growing recruitment companies.
- [Construction Invoice Discounting](https://www.factoringhelpline.co.uk/invoice-discounting/construction-invoice-discounting/) - Our advice team sees how business owners are having to deal with the uncertainties and changing dynamics of the current climate as Construction Invoice Discounting Companies change their parameters and Construction Invoice Discounting deals previously taken 'as read' are no longer so certain, with Construction Invoice Discounting terms of engagement being changed on a regular
- [Invoice Finance - One Of The Best-kept Secrets Of Business Finance](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-one-best-kept-secrets-business-finance/) - Cash flow should be a critical consideration in every business whether sustaining existing operations or funding potential growth. Businesses need to be able to respond quickly to a constantly changing market, confident that cash will be available to grow their sales and their profits. Traditional methods of finance such as overdrafts and loans can limit
- [Release working capital the easy way confidentially with invoice discounting](https://www.factoringhelpline.co.uk/invoice-discounting/release-working-capital-the-easy-way-confidentially-with-invoice-discounting/) - Confidential Invoice Discounting - Helps Businesses Create Opportunities In today's highly competitive economic environment, businesses working capital are under constant pressure to tighten operational controls in order to maintain profitability and increase working capital. In many cases, small companies must devote more time to credit and working capital concerns which shifts attention away from the
- [Is Invoice Discounting Right For My Company?](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-right-company/) - Is Invoice Discounting Right For My Company? Invoice Discounting can improve profitability as the business can buy in larger quantities at reduced costs, pay suppliers earlier, and take advantage of early settlement discounts that are available. Is your company new and without a credit history? Are you undercapitalised? Business with high seasonal demands? Just growing?
- [Invoice Discounting Frequently Asked Questions](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-frequently-asked-questions/) - Invoice Discounting Frequently Asked Questions What Is Confidential Invoice Discounting? It is an arrangement between a Invoice Discounting Company and a business whereby the Invoice Discounting Company provides typically up to 95% cash available against the unpaid invoices of a business "confidentially". A Invoice Discounting Company also leaves with you routine tasks such as sales
- [Invoice Discounting for Start up and new businesses and companies](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-start-new-businesses-companies/) - Invoice Discounting For Start-up Businesses - Flexible Solution Without Giving Away Equity When considering a new business venture entrepreneurs are sometimes faced with a shortage of funds and need a to obtain working capital facility. Confidential Invoice Discounting is a financial tool that has been gaining popularity in the past few years as traditional sources
- [Invoice Discounting brokerage services](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-brokerage-services/) - Why Do I Need An Invoice Discounting Broker? We have a dedicated team of Confidential Invoice Discounting brokers and consultants ready to help you find the right Invoice Discounting solution. Our Invoice Discounting broker service is totally free and without obligation and our Invoice Discounting broker advice is informed and impartial. Growing businesses often find
- [Invoice Discounting for Exporting or trading internationally?](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-for-exporting-or-trading-internationally/) - Invoice Discounting For Exporters - Selling On Open Account Terms Are you Exporting goods abroad? Don’t let your cash flow hold you back. With Export Invoice Discounting you can unlock cash from your export invoices the next working day, giving you the working capital you need to export with complete confidence on open account and
- [The Advantages of Confidential Invoice Discounting](https://www.factoringhelpline.co.uk/invoice-discounting/the-advantages-of-confidential-invoice-discounting/) - The Advantages of Confidential Invoice Discounting - Providing A Going Source Of Working Capital Is your business battling with growth? Could your business be more successful if all your customers paid you in one day? The natural inclination of a business owner or manager is to go out and sell more goods or services. The
- [Confidential Invoice Discounting Providing A Going Source Of Working Capital](https://www.factoringhelpline.co.uk/invoice-discounting/confidential-invoice-discounting-providing-going-source-working-capital/) - Confidential Invoice Discounting Providing A Going Source Of Working Capital Is your business battling with growth? Could your business be more successful if all your customers paid you in one day? The natural inclination of a business owner or manager is to go out and sell more goods or services. The idea being that the
- [Invoice Discounting overview](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-overview/) - You need to be able to make an informed choice, so it is worth approaching more than one Confidential Invoice Discounting Company before making a decision. Our specialist team can help you to realise this asset and turn it into an immediate cash sum. Confidential Invoice Discounting releases the funds locked up in sales invoices,
- [Will my business or company benefit from factoring](https://www.factoringhelpline.co.uk/factoring/will-business-company-benefit-factoring/) - Will My Business Or Company Benefit From Factoring - When To Consider Factoring - Does Your Cash Flow Finance Increase As Your Sales Grow? With Factoring, It Can! Factoring can improve profitability as the business can buy in larger quantities at reduced costs, pay suppliers earlier, and take advantage of early settlement discounts that are available.
- [What Are The Factoring Costs for my business or company?](https://www.factoringhelpline.co.uk/factoring/factoring-costs-business-company/) - What Are The Factoring Costs for my business or company? Depending of the service purchased Factoring Companies may charge a commission for performing the credit and collection function, for purchasing the client's receivables ( with or without recourse) and charge interest on funds provided. Factoring Companies commission for their service usually ranges between 0.3% and
- [factoring, flexible working capital finance!](https://www.factoringhelpline.co.uk/factoring/factoring-flexible-working-capital-finance/) - Factoring, flexible working capital finance! - to aid your business ambitions In today's highly competitive economic environment, businesses working capital is under constant pressure to tighten operational controls in order to maintain profitability and increase working capital. In many cases, small companies must devote more time to credit and working capital concerns, which shifts attention
- [Single Customer Or Single Invoice Factoring Available To A Wide Variety Of Business](https://www.factoringhelpline.co.uk/factoring/single-customer-single-invoice-factoring-available-wide-variety-business/) - Single Customer Or Single Invoice Factoring Available To A Wide Variety Of Business Businesses can sometimes require finance from a Factoring Company against a single customer or single invoice. Traditionally, Factoring Companies have not offered single customer or single invoice Factoring financing service but Factoring Companies have realised the importance of single customer and single
- [Non Recourse Factoring - Bad Debt Protection](https://www.factoringhelpline.co.uk/factoring/non-recourse-factoring-bad-debt-protection/) - No matter how well you manage your business, without effective protection, bad debts pose a constant threat. Just one bad debt can be a serious drain on cash and profits. Increasing numbers of invoice financiers are integrating optional credit protection (bad debt protection) services to complement overall packages. The Factoring or Invoice Discounting company simply
- [I Want Factoring Who Would You Introduce Me To?](https://www.factoringhelpline.co.uk/factoring/want-factoring-introduce/) - We have relationships with the majority of the Factoring companies within the UK and we are totally independent, not tied to anybody. So we can compare the whole of the market. Depending on your circumstances, we can normally narrow down those Factoring or Confidential Invoice Discounting Companies most likely to be able to offer you
- [Questions most asked about the factoring process](https://www.factoringhelpline.co.uk/factoring/questions-asked-factoring-process/) - What Is Factoring? It is an arrangement between a Factoring Company and a business whereby the Factoring Company provides typically up to 95% cash available against the unpaid invoices of a business. A Factoring Company also relieves the burden of routine tasks such as sales ledger management, credit control and credit checking. Why Won’t The
- [Factoring companies and how they differ](https://www.factoringhelpline.co.uk/factoring/factoring-companies-differ/) - How Does Factoring Work? - Switch Between Whole Turnover And Selective Factoring offers a very simple solution. A factoring company advances usually up to 90% of your outstanding invoices immediately. Thereafter when you raise fresh invoices you can call on up to 90% of their value too, ongoing. When the customer pays the 10% not
- [Factoring and Invoice Discounting Success Stories](https://www.factoringhelpline.co.uk/factoring/factoring-and-invoice-discounting-success-stories/) - Factoring & Invoice Discounting Success Stories. Factoring & Confidential Invoice Discounting unlocks cash tied up in a sales ledgers. Learn how we have helped businesses realise their potential! Factoring: Start-Up Manpower Agency - £1,000,000 Turnover Experienced sector managers starting own agency initially wanted Factoring facility. We recommended and sourced combined Factoring and back-office facility. Facility
- [Why do I need a factoring broker? To Negotiate The Cost Of Factoring](https://www.factoringhelpline.co.uk/factoring/need-factoring-broker-negotiate-cost-factoring/) - The UK Factoring & Invoice Discounting Helpline ave a dedicated team of Factoring brokers and consultants ready to help you find the right Factoring solution. Our Factoring broker service is totally free and without obligation and our Factoring broker advice is informed and impartial. Growing businesses often find that they are the victims of their
- [Export Factoring Explained](https://www.factoringhelpline.co.uk/factoring/export-factoring-explained/) - Export Factoring As the global economy is becoming even more competitive, companies are finding that they must be more flexible with customers to maintain sales and growth. Export Factoring involves the collection of debts by a Factoring company on behalf of an exporter often in the debtor’s language and currency. The ability to be able
- [The advantages of Factoring your invoices](https://www.factoringhelpline.co.uk/factoring/advantages-factoring-invoices/) - Making Use Of A Factoring Service Can Improve Your Bottom Line Improved cash flow by releasing up to 90% and in some cases 100% of funds tied up in outstanding debtors. By making use of a Factoring facility you can benefit from improved profitability Factoring can improve profitability as the business can buy in larger
- [Factoring Is All About Improving Cash Flow Resources](https://www.factoringhelpline.co.uk/factoring/factoring-improving-cash-flow-resources/) - As a small business owner, you know firsthand the struggle of obtaining working capital to finance the growth of your business, meet cash flow shortages or unexpected demands. Business financing such as Bank loans, overdrafts and general credit are being restricted. With Banks becoming increasingly inflexible Factoring is the sensible alternative to be considered. Factoring
- [Factoring services overview](https://www.factoringhelpline.co.uk/factoring/factoring-services-overview/) - Factoring, in one form or another, has been around for thousands of years. Factoring releases the funds locked up in outstanding sales invoices, is a sure-fire way to turn your outstanding debtors into cash. Factoring is frequently used by businesses to improve cash flow. It can also be used to decrease administration expenses. Cash is
- [Invoice Discounting](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting/) - Invoice Discounting What is Invoice Discounting? Invoice discounting involves turning newly raised invoices into cash: usually within 24 hours. The amount of cash provided by the invoice discounting company forms 85% of your invoice value and is paid back to the lender once you have collected back the debt from your customer(s). This repayment will
- [What is Invoice Discounting?](https://www.factoringhelpline.co.uk/invoice-discounting/what-is-invoice-discounting-2/) - For most companies, debtor balances are by far the largest asset in their balance sheets. They may also turn into cash at a much slower rate than the business would like, often representing two or three months’ sales. What is Invoice Discounting? Invoice discounting provides the complete answer to slow-paying customers, shortage of working capital
- [Our Services](https://www.factoringhelpline.co.uk/our-services/) - As the leading invoice finance (factoring and invoice discounting) broker, we can help help you find the right funding package to match the needs of your business. We have established relationships with over 50 factoring and invoice discounting providers and have access to a broad range of business finance options. Using our extensive experience of
- [Confidential Factoring](https://www.factoringhelpline.co.uk/factoring/confidential-factoring/) - Confidential factoring is an undisclosed funding and collections service which releases cash tied up in unpaid invoices and takes away the time consuming task of chasing and collecting payments. With a confidential factoring solution, the factoring provider’s involvement is not disclosed to your customers. They undertake credit management services and collection services in your company
- [Export Factoring](https://www.factoringhelpline.co.uk/factoring/export-factoring/) - What is Export Factoring? Export factoring is a flexible way of improving cash flow for those businesses involved in international trade. It releases cash tied up in both domestic and export invoices and relieves the time consuming and often complex task of chasing and collecting payments from customers overseas. Export factoring providers have specialist overseas
- [What is Confidential Invoice Discounting?](https://www.factoringhelpline.co.uk/invoice-discounting/what-is-confidential-invoice-discounting/) - What are the benefits of using a Confidential Invoice Discounting facility? Confidential invoice discounting releases cash against your UK and/or export invoices whilst leaving the control of the sales ledger, sending statements and the chasing of outstanding invoices in your hands. Your customers will be unaware that you are using a discounter. With this type
- [How factoring affects bookkeeping if  paying VAT on a cash accounting basis?](https://www.factoringhelpline.co.uk/invoice-finance/how-factoring-affect-bookkeeping-if-paying-vat-on-a-cash-accounting-basis/) - How will factoring affect my bookkeeping if I am paying VAT on a cash accounting basis? In respect of VAT requirements of the Cash Accounting scheme HM Revenue & Customs make the distinction between the basic two types of factoring – recourse and non-recourse. This is what they say: FACTORING AGENT ASKED TO COLLECT DEBTS
- [What is Trade Finance?](https://www.factoringhelpline.co.uk/trade-finance/what-is-trade-finance/) - Any trading business which sources goods from UK or overseas suppliers could have a need for trade finance. Typical Conditions A UK SME which trades in goods which are appropriate for trade finance – ideally finished items with a high margin, not susceptible to price fluctuations (eg no commodities) with confirmed orders or a clear
- [Trade Finance case studies](https://www.factoringhelpline.co.uk/trade-finance/trade-finance-case-studies/) - Trade Finance for a supplier of homewares to major UK retailers The Requirement: The business was facing administration following a family dispute and the non-family management wanted to complete an MBO, potentially from the administrator. However, they could not raise sufficient funds to complete the MBO and ensure that there was sufficient headroom in the
- [Purchase Order Finance](https://www.factoringhelpline.co.uk/trade-finance/purchase-order-finance/) - Purchase Order Finance is an excellent means of short-term finance when cash is unavailable to pay for goods or materials needed to satisfy a customer order. It has become increasingly common for suppliers to demand payment ‘Cash On Delivery’ or on short credit terms, and for customers who want to pay on month-end plus 30
- [Selective Invoice Finance](https://www.factoringhelpline.co.uk/invoice-finance/selective-invoice-finance/) - Invoice discounting, or invoice finance is a short-term finance solution for releasing cash locked in invoices, thereby stimulating cashflow. Single Invoice Finance is distinctive in offering an invoice discounting facility for selective or single invoices for a single fee without any ongoing commitment to continue using an ongoing factoring service. Selective invoice discounting is currently unique in
- [Centric Commercial Finance](https://www.factoringhelpline.co.uk/factoring-companies/centric-commercial-finance/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928420718{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Centric Commercial Finance” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text]Invoice Discounting and Asset Based Lending from Centric Commercial Finance Centric Commercial Finance is an independent Financial Services Group, focused on delivering event-driven Invoice Discounting and Asset Based Lending transactions to
- [Factoring Advantages and Disadvantages](https://www.factoringhelpline.co.uk/factoring/factoring-advantages-and-disadvantages/) - Invoice factoring offers a number of advantages to businesses over other forms of finance. However it is important to understand the advantages and potential disadvantages before making a decision on whether to undertake invoice financing. Benefits The principle benefit to any business of invoice factoring is that it provides quick, timely and significant increase to
- [Articles](https://www.factoringhelpline.co.uk/articles/)
- [Ask the expert](https://www.factoringhelpline.co.uk/ask-the-expert/) - Questions asked: Are alternative sources of finance more expensive? Are many businesses using alternative finance sources? Can invoice finance be used by any business? Does invoice discounting work? How can I benefit from speaking to a broker about finance? How can I improve my cash flow? How can invoice factoring improve my cashflow? How do
- [Corporate Finance Terms](https://www.factoringhelpline.co.uk/articles/corporate-finance-terms/) - AIM The London Stock Exchange's Alternative Investment Market which provides an alternative route for smaller companies seeking a listing. Angel A wealthy individual who invests in entrepreneurial firms or a successful entrepreneur, who has built up a business, sold it and now brings not just money but experience to a young developing business. Beauty parades A
- [Asset Finance](https://www.factoringhelpline.co.uk/asset-finance/) - A cash raising exercise designed to put cash back into the business. In the UK there are an extensive range of innovative asset based finance solutions that enable you to unlock the value of existing assets by refinancing. There are four major types of asset finance: Leasing: You effectively have all the benefits of the asset
- [The Funding of Purchases - Trade Finance](https://www.factoringhelpline.co.uk/trade-finance/funding-purchases-trade-finance/) - Trade or Transaction Finance is "through finance" from supplier through the client to customers who require goods or services. It is "off-balance-sheet" finance, which does not affect existing bank facilities. The normal simple scenario is that a lender buys and sells to the client. Upon sale of the product the sales invoice is assigned to a lender and, from proceeds,
- [Typical transactions covered by trade finance](https://www.factoringhelpline.co.uk/trade-finance/typical-transactions-covered-trade-finance/) - The Client's sales contract and Customer payment The Client must have acceptable and secure conditions of sale to a Customer who a lender knows can pay. It is normal in such contracts that: Goods are not delivered on "Sale or Return" Payment will be on delivery, or by incoming letter of credit assigned to a lender,
- [How do we define Trade Finance?](https://www.factoringhelpline.co.uk/trade-finance/define-trade-finance/) - We are able to source facilities for UK SMEs delivering Goods or Services to their Customers. Many such SMEs have to buy these Goods or Services, or components of them, to enable them to make their delivery. They might be buying them in Chichester or China, Manchester or Malaysia, Uttoxeter or USA, but they have to
- [Confidential Invoice Discounting (CID) Explained](https://www.factoringhelpline.co.uk/invoice-discounting/confidential-invoice-discounting-cid-explained/) - Confidential Invoice Discounting is now seen as a competitive alternative to bank overdrafts. The facility is superior to overdraft in a number of ways; it normally provides more funding, there is no need to constantly renegotiate limits, there is no requirement for charges on personal property and the finance charges are very competitive. However Invoice
- [Ideas on how to achieve business success](https://www.factoringhelpline.co.uk/general-business-advice/ideas-achieve-business-success/) - It’s your company’s birthday – congratulations! The effort and hard work that you have invested over the last twelve months have paid off. Your sales are growing, you’ve secured a business loan or cash advance to expand and you might even be considering the possibility of taking a well earned holiday... Of course, the path
- [Cashflow Solutions](https://www.factoringhelpline.co.uk/factoring/cashflow-solutions/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1491993277405{padding-top: 5% !important;background-color: #f3f3f3 !important;}” el_class=”vcr_row”][vc_column el_class=”rs_col-sm-12″ offset=”vc_col-lg-12 vc_col-md-12″][ultimate_heading main_heading=”How we can help” main_heading_color=”#6cb1e2″ sub_heading_color=”#2f3436″ sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section” main_heading_style=”font-weight:bold;”][/ultimate_heading][/vc_column][/vc_row][vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1491989049355{padding-top: 5% !important;padding-bottom: 5% !important;background-color: #f3f3f3 !important;}” el_class=”vcr_row”][vc_column width=”1/2″ el_class=”circle-content-left rs_col-sm-12″][vc_row_inner css=”.vc_custom_1491989293051{background-color: #ffffff !important;}”][vc_column_inner width=”1/2″][vc_single_image image=”3940″ img_size=”234×449″][/vc_column_inner][vc_column_inner width=”1/2″][ultimate_heading main_heading=”INVOICE FACTORING” main_heading_color=”#7dcdc2″ alignment=”left” main_heading_margin=”margin-top:20px;margin-bottom:20px;”][/ultimate_heading][dt_sc_align align=”left” css=”.vc_custom_1492289012659{margin-bottom: 100px !important;}”]Is your
- [SME Invoice Finance](https://www.factoringhelpline.co.uk/factoring/sme-invoice-finance/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928420718{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”SME Invoice Finance” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text css=”.vc_custom_1488978950991{margin-top: 35px !important;}”]The SME sector is a vital one in the UK economy. It is estimated that there are nearly 7 SME businesses in the UK. Few growing SME business
- [Factoring Invoices](https://www.factoringhelpline.co.uk/factoring/factoring-invoices/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928420718{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Factoring Invoices” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text css=”.vc_custom_1488971777295{margin-top: 35px !important;}”]Factoring is not a loan; it does not create a liability on the balance sheet or tie up assets. It is the sale of an asset, namely, the invoices.
- [Arranging a factoring accounts receivable facility](https://www.factoringhelpline.co.uk/factoring/arranging-a-factoring-accounts-receivable-facility/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928420718{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Arranging a factoring accounts receivable facility” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text css=”.vc_custom_1488957387816{margin-top: 35px !important;}”]What is an ‘an account or account receivable’ For factoring purposes, an accounts receivable is an invoice where money due for a product that has
- [Burdale Financial Ltd](https://www.factoringhelpline.co.uk/factoring-companies/burdale-financial-ltd/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928420718{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Burdale Financial Ltd” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text]Burdale is a key player in comprehensive asset based lending (CABL) in the UK and US. Established in 1992, Burdale has offices in London, Manchester, Birmingham and Stamford, Connecticut and New
- [Bibby Financial Services](https://www.factoringhelpline.co.uk/factoring-companies/bibby-financial-services/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928420718{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Bibby Financial Services” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text]Bibby Financial Services understand that when choosing a finance partner you need to work with a secure and stable provider who has a proven track record in delivering rapid funding decisions,
- [Who can use invoice finance?](https://www.factoringhelpline.co.uk/invoice-finance/who-can-use-invoice-finance/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928472851{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Who can use invoice finance?” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text css=”.vc_custom_1488795365031{margin-top: 35px !important;}”] The following are examples industries who can use invoice finance: Agriculture firms Healthcare businesses Courier companies Logistics houses Financial services firms Leisure businesses Tourism companies
- [Invoice finance or business overdraft - that is the question](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-or-business-overdraft-that-is-the-question/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928472851{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Invoice finance or business overdraft – that is the question” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text css=”.vc_custom_1488794762158{margin-top: 35px !important;}”]Please note that an invoice finance facility is often more appropriate for long-term funding than an overdraft which is likely to
- [The benefits of using an invoice finance broker?](https://www.factoringhelpline.co.uk/invoice-finance/the-benefits-of-using-an-invoice-finance-broker/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928472851{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”The benefits of using an invoice finance broker?” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text css=”.vc_custom_1488795100118{margin-top: 35px !important;}”]When considering a new relationship with an invoice finance provider, it’s important to choose one who understands you, your business and the sector
- [Cashflow Problems](https://www.factoringhelpline.co.uk/factoring/cashflow-problems/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928420718{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Introduction to Factoring” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section”][/ultimate_heading][vc_column_text css=”.vc_custom_1487914553516{margin-top: 35px !important;}”]Factoring is where an agent (or factor) buys all or some of your outstanding invoices, sometimes called accounts receivable or debt outright, advances you up to 90% of
- [Who can we help?](https://www.factoringhelpline.co.uk/who-can-we-help/) - Our specialist team of brokers has a wealth of market experience and understands the issues facing businesses of all sizes across a variety of sectors, so no matter what stage your business is at, we can find the right funding solution for you. We believe that gaining an understanding of your business is vital to matching
- [Factoring for startups and young businesses](https://www.factoringhelpline.co.uk/who-can-we-help/factoring-for-startups-and-young-businesses/) - We're sure you'd like to undertake a thorough review of what's on offer, but with over 50 factors in the market this would take up a lot of your valuable time and money. Let us do the leg work for you, email or call one of our friendly team for a chat or if you simply
- [Factoring for medium sized businesses](https://www.factoringhelpline.co.uk/who-can-we-help/factoring-for-medium-sized-businesses/) - Whether you're new to factoring and invoice discounting or simply want to move from an existing provider we can help. Let us do the leg work for you, email or call one of our friendly team or, if you simply want an idea of costs visit get quotes any time. We know what the factors
- [Invoice finance for large businesses](https://www.factoringhelpline.co.uk/who-can-we-help/invoice-finance-for-large-businesses/) - Regardless of whether you currently factor or discount your sales ledger, we're available to help you find the right facility for your business. Let us do the leg work for you, email or call one of our friendly team or, if you simply want an idea of costs visit get quotes any time. Additional headroom
- [Advice to startups](https://www.factoringhelpline.co.uk/who-can-we-help/advice-to-startups/) - Most start up businesses experience greatest demands upon their cash flow whilst they are young and growing. Often this can constrain how you wish to grow and you end up spending more time chasing money than making it. Traditional funding such as bank overdrafts and loans are often too inflexible to cope with the needs
- [Advice for new businesses](https://www.factoringhelpline.co.uk/who-can-we-help/advice-for-new-businesses/) - Finance solutions As a young or new business cash flow is one of the hardest elements of a business to manage. This can constrain how you wish to grow and you end up spending more time chasing money than making it. With traditional sources of funding often difficult to access without a track record invoice
- [Advice for established businesses](https://www.factoringhelpline.co.uk/who-can-we-help/advice-for-established-businesses/) - As an established business what do you want to do to improve your business? Become more profitable Expand Upgrade plant and machinery Employ extra staff to seek out and fulfil new orders Increase sales and marketing efforts Develop new products Take advantage of supplier discounts by paying early Probably any or all of these These
- [Factoring with bad debt protection](https://www.factoringhelpline.co.uk/factoring/factoring-bad-debt-protection/) - This is a funding, collections and bad debt protection solution Like Factoring, this solution releases the cash tied up in unpaid invoices and takes away the time consuming task of chasing and collecting payments. Some factoring providers will also offer bad debt protection (via a credit insurance scheme) as part of the package (known as
- [Why people choose us for invoice finance advice?](https://www.factoringhelpline.co.uk/invoice-finance/why-people-choose-us-for-invoice-finance-advice/) - Working with US Five quick and easy steps to finding the right factoring or invoice discounting provider for your business. Step 1 The specialist team will carry out a full assessment of the financial requirements of your business, taking into consideration the nature of the industry in which you work, current performance, internal processes and your cash
- [Factoring for export companies](https://www.factoringhelpline.co.uk/industry-specific-finance/factoring-for-export-companies-2/) - Export factoring is a specialist facility offered by some invoice factoring companies to help finance exports and international sales. Usually this involves a third party finance organisation in the country in which you are doing business which collects payment. This overcomes difficulties that could be encountered because of different customs, laws, language and business practices.
- [Funding Imports with Trade Finance](https://www.factoringhelpline.co.uk/trade-finance/funding-imports-with-trade-finance/) - Funding Imports with Trade Finance As less manufacturing takes place in the UK and greater numbers of cheaper goods are imported from abroad, the requirement for SMEs to fund imports increases because of the need to be price competitive within the marketplace. Furthermore, if SMEs are to compete with the larger, more financially stable suppliers
- [Common Questions](https://www.factoringhelpline.co.uk/company-info/common-questions/) - Why choose us? As the factoring and discounting market has evolved, so has the level of sophistication of product. With players from the bank owned to large independents, from small players focused on specific industries to the large asset-based lenders, each has its own individual type and variation of service to offer. It is therefore important
- [Confidential Invoice Discounting](https://www.factoringhelpline.co.uk/invoice-discounting/confidential-invoice-discounting-2/) - Confidential Invoice Discounting (CID) is a flexible and efficient source of working capital that enables you to convert up to 90% of your trade debtors into cash within 24 hours with Business Finance. Linking immediate cash availability to your sales means your funding supply grows as you grow. If you're considering invoice discounting, you probably
- [The Benefits of Invoice Discounting](https://www.factoringhelpline.co.uk/invoice-discounting/the-benefits-of-invoice-discounting/) - Invoice discounting is a more flexible source of working capital than loans or bank overdrafts and a business is likely to accrue additional benefits, including: 1) Maximising cash flow Invoice discounting enables a business to raise up to 100% on outstanding invoices. An overdraft secured against invoices would only raise in the region of 50%.
- [Lease purchase](https://www.factoringhelpline.co.uk/business-finance/lease-purchase/) - Lease purchase is suitable for companies not registered for VAT that want eventual ownership of the vehicle. Lease purchase is a funding agreement where the company acquires ownership when all payments, including the purchase payment have been made. Part of the capital cost of the vehicle payment may be deferred into a balloon payment at
- [Testimonials](https://www.factoringhelpline.co.uk/company-info/testimonials/) - [vc_row][vc_column][dt_sc_align align=”left”][dt_sc_separator] TYPE 1 [/dt_sc_align][dt_sc_tm_carousel_wrapper type=”type1″][dt_sc_tm_carousel_item image=”50″]Curabitur consequat felis ipsum, ac ultrices mauris varius vel. Proin vel felis ultrices, maximus dolor sit[dt_sc_br] amet, vehicula neque. Vivamus sed arcu sit amet eros suscipit rutrum hendrerit in diam.[/dt_sc_tm_carousel_item][dt_sc_tm_carousel_item image=”50″]Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi hendrerit elit turpis, a porttitor tellus sollicitudin at.[dt_sc_br]Class aptent taciti
- [Finance products](https://www.factoringhelpline.co.uk/business-finance/finance-products/) - We utilise the following range of financial products when arranging finance for our clients: Commercial Mortgages Property Development Finance Short term or Bridging Finance Asset Finance and Leasing Sale and Leaseback Commercial and Business Loans Factoring Invoice Discounting Business Purchase Finance Finance Restructuring
- [Commercial mortgages](https://www.factoringhelpline.co.uk/business-finance/commercial-mortgages/) - A commercial mortgage is a loan that can be used to finance the purchase of buildings and/or land for a business. It may be structured in a variety of ways according to business and market circumstances, and there is considerable flexibility with repayment schedules. However, it is important to note that lenders normally require at
- [Asset Finance](https://www.factoringhelpline.co.uk/business-finance/asset-finance/) - By choosing the most appropriate form of leasing it is possible to: Write off the full cost of using the asset against tax Avoid paying VAT up front Keep the asset off the balance sheet Include a maintenance schedule within the contract Hand back the asset after a period of time in order to benefit
- [Commercial Loans](https://www.factoringhelpline.co.uk/business-finance/commercial-loans/) - Commercial Loans can be used to finance the purchase of buildings, business assets like vehicles and equipment or provide working capital for business expansion. The commercial loan may be structured in a variety of ways according to circumstances and there is considerable flexibility with repayment schedules. As an independent intermediary we provide access to a
- [Business purchase finance](https://www.factoringhelpline.co.uk/business-finance/business-purchase-finance/) - The purchase of an existing business often includes the acquisition of property or land in combination with the normal assets of a commercial business. Commercial loans are often the most effective means of acquiring an existing business due to the potential flexibility of rates and payment schedules. There is usually a requirement for a minimum
- [Business Grants](https://www.factoringhelpline.co.uk/business-finance/business-grants/) - Currently, there are more than 3,000 grants and support schemes available to assist small and medium-sized businesses in the UK. However, business owners are often unaware that many of these grants and schemes exist, or may not realise how a grant can assist their business. A business grant or scheme provides funding to enable a
- [Asset Finance services](https://www.factoringhelpline.co.uk/business-finance/asset-finance-services/) - If you need to acquire or finance business assets to: Help your business expand/improve profitability by having access to vehicles, equipment or technology vital for your business operation Win new contracts or service key customers Update old technology, equipment or vehicles However: You would prefer not to pay for the assets upfront Want to make
- [Acquisition Finance](https://www.factoringhelpline.co.uk/business-finance/acquisition-finance/) - Funding provided through invoice finance and asset based lending can be crucial to a successful buyout or acquisition. More funds can be released than through a conventional overdraft, and without diluting equity, to help you turn your ideas into reality. The Way it Works You need to be sure you are working with a financing
- [Asset Finance & Leasing](https://www.factoringhelpline.co.uk/business-finance/asset-finance-leasing/) - Whenever businesses and organisations invest in tangible assets - which can include anything from office equipment to manufacturing plants to vehicles - they generally require a cost efficient and secure means of finance as these costs can prove to be extremely expensive. With finance being difficult to come by, along with the banking industry becoming
- [Business Loans](https://www.factoringhelpline.co.uk/business-finance/business-loans/) - A company may wish to borrow money for a variety of reasons including creating an entirely new business, developing a new area or concept within an existing business, expanding business to another location or for making up a shortfall in operating capital. In all of these cases, a business loan may be required. A business
- [10 Tips for managing a cashflow crunch](https://www.factoringhelpline.co.uk/articles/10-tips-for-managing-a-cashflow-crunch/) - Problems with cashflow are the most common reasons for business failure. In this checklist we suggest a number of straightforward activities that can be used to stem the bloodflow both immediately and in the near future and get your business back on track. 1. Stop paying out cheques until you understand what is happening Vital
- [The pros and cons of Asset Finance](https://www.factoringhelpline.co.uk/the-pros-and-cons-of-asset-finance/) - This article outlines both the real benefits of asset finance as well as the many additional considerations that must be made in order to make an informed financial decision about acquiring assets. Most businesses need to use a variety of assets in order to provide a service or manufacture a product for their customers. Assets
- [Are you worried about switching invoice finance providers?](https://www.factoringhelpline.co.uk/invoice-finance/are-you-worried-about-switching-invoice-finance-providers/) - A large number of clients are looking to move their factoring, invoice discounting or trade finance facilities between different providers. Clients are often worried about problems trying to switch between different providers such as paying termination fees and notifying existing customers. Fortunately, there have been some significant changes in recent times that have made the
- [Advantages and Disadvantages of Factoring & Invoice Discounting](https://www.factoringhelpline.co.uk/invoice-finance/advantages-and-disadvantages-of-factoring-invoice-discounting/) - Advantages and Disadvantages of Factoring & Invoice Discounting Advantages Immediate Cash without consideration of a business's credit rating. No long term contracts, you can discount as much or as little as required within agreed limits. Unlike overdrafts the facility does not need to be renegotiated when increased. No other security required. Factoring provides the company
- [About Factoring for UK companies](https://www.factoringhelpline.co.uk/invoice-finance/about-factoring-for-uk-companies/) - About Factoring FACTORING BASICS Factoring is a form of short-term commercial finance based on the selling of trade debts at a discount from one party to another, or as the Concise Oxford English Dictionary puts it: ‘To buy at a discount the debts owed to another, in order to profit by collecting them.’ DEFINITION OF
- [Accounts receivable factoring](https://www.factoringhelpline.co.uk/invoice-finance/accounts-receivable-factoring/) - Factoring is often referred to as accounts receivable factoring as the finance it provides is directly against the accounts receivables. Factoring is often referred to as accounts receivable factoring or accounts receivables factoring as the finance provided by factoring is made specifically against the accounts receivables. It can also be referred to as invoice finance
- [Advice and guidance on factoring and invoice discounting](https://www.factoringhelpline.co.uk/invoice-finance/advice-and-guidance-on-factoring-and-invoice-discounting/) - CALL US TODAY FOR IMMEDIATE ADVICE AND GUIDANCE ON ANY QUESTIONS YOU MAY HAVE REGARDING FACTORING AND INVOICE DISCOUNTING If you would like answers to any of these questions please call us now and we will be pleased to provide them: 1) How much will it cost? 2) Is factoring suitable to my business? 3)
- [Factoring and Invoice Finance](https://www.factoringhelpline.co.uk/invoice-finance/factoring-and-invoice-finance/) - Factoring – the pitfalls Factoring facts Free factoring review Invoice Finance Invoice Finance Advice Revolving Trade Finance The cost of factoring Which Factoring Company? Why Factoring? Working Capital
- [“What is Invoice Finance?](https://www.factoringhelpline.co.uk/invoice-finance/what-is-invoice-finance/) - “What is Invoice Finance? “What is Invoice Finance? Put simply, invoice finance is secured lending where the security is provided by unpaid invoices. Many companies do not appreciate that unpaid invoices can be the largest asset on their balance sheet and that they are potentially under leveraged and neglecting a great source of working capital.
- [Factoring at a glance](https://www.factoringhelpline.co.uk/invoice-finance/factoring-at-a-glance/) - Factoring at a glance The following four steps are an over view to factoring, to learn more about factoring click here: Your business raises an invoice and sends a copy to your factoring company The factorer then advances you a % of the gross invoice value, the percentage is usually around 85%. Your factoring company
- [Brief Description of Invoice Discounting](https://www.factoringhelpline.co.uk/invoice-finance/brief-description-of-invoice-discounting/) - Did you know that most businesses cease trading owing to cash flow problems and not due to lack of profits! Only 20% of companies that qualify for Debtor Finance use it. Unless your company is collecting its income it will not survive. Invoice Discounting is one solution to help our commercial customers meet the pressures
- [Factoring can offer many benefits to start-up businesses](https://www.factoringhelpline.co.uk/invoice-finance/factoring-can-offer-many-benefits-to-start-up-businesses/) - Starting-up Starting in business is always high risk. Start-up business owners are often so absorbed in establishing their new venture they forget to focus on their cash flow and the business can rapidly fail. However for many factoring is a great way to mitigate the risk involved. Factoring can offer many benefits to start-up businesses;
- [Factoring is expensive, isn't it?](https://www.factoringhelpline.co.uk/invoice-finance/factoring-is-expensive-isnt-it/) - A lot of people have the idea that "factoring is expensive"... ...but it doesn't have to be. Case study - inexpensive factoring The client was a small one-man-band business with county court judgements (CCJs) against him. We managed to put him in contact with a reputable factoring company that we have dealt with many times before
- [Does your current factoring company provide poor service?](https://www.factoringhelpline.co.uk/invoice-finance/does-your-current-factoring-company-provide-poor-service/) - A client's business was suffering due to the poor service that their existing factor was providing and managing the facility was involving the client's staff in a great deal of additional work. This illustrates how difficult it can be to find a factoring company that can provide the quality of service that you are looking
- [Export Factoring - What about debtors outside of the UK?](https://www.factoringhelpline.co.uk/invoice-finance/exportfactoring-what-about-debtors-outside-of-the-uk/) - If you are trading with customers (debtors) based outside of the United Kingdom, we can introduce you to a range of specialist financiers and factoring and invoice discounting companies that can help you with invoice funding and debtor invoice collection solutions. They have an in depth knowledge of overseas markets and so can support you even
- [Factoring for recruitment agencies](https://www.factoringhelpline.co.uk/invoice-finance/factoring-for-recruitment-agencies/) - Question: Where can an employment agency find the cash flow needed to fund its weekly payroll Answer: Factoring Factoring or Invoice Discounting is particularly attractive to Recruitment Agencies as it bridges the vital cash flow gap between paying wages and receiving payment from the customer. This is in respect of temporary placements which for most
- [Factoring can improve cash flow and release working capital](https://www.factoringhelpline.co.uk/invoice-finance/factoring-can-improve-cash-flow-and-release-working-capital/) - A brief explanation of invoice factoring highlighting how it can improve cash flow by releasing working capital tied up in the sales ledger. All factoring is based on the provision of funding against Invoices raised on credit terms. A factor will enter into a factoring agreement with its client who will assign its invoices to
- [Factoring because you are tired of chasing invoices](https://www.factoringhelpline.co.uk/invoice-finance/factoring-because-you-are-tired-of-chasing-invoices/) - What is Factoring? Invoice Factoring is a quick and easy way for you to improve the cashflow of your business by borrowing against invoices you have issued to your customers. Tens of thousands of companies across the UK utilise factoring companies and it is a trend that is growing in popularity. Here is how it
- [As a new business can I use an invoice finance service?](https://www.factoringhelpline.co.uk/invoice-finance/as-a-new-business-can-i-use-an-invoice-finance-service/) - As a new business can I use an invoice finance service? Invoice finance products such as factoring and invoice discounting can be very useful to help young businesses and start ups but it may not be a suitable type of commercial finance for all companies. The most obvious thing about invoice finance is the "invoice"
- [Common Factoring Questions](https://www.factoringhelpline.co.uk/invoice-finance/1221-2/) - Common Factoring Questions We have identified the 10 main questions asked by companies in relation to using factoring. These should enable you to clarify the generally accepted ideas on factoring. 10 common questions about factoring: Does factoring meet companies' cash flow needs, and nothing else? When is it necessary to use factoring? What is the
- [Factoring](https://www.factoringhelpline.co.uk/invoice-finance/factoring-2/) - What is factoring? (and how does it work) Factoring is a term that in general business use describes a method by which companies can borrow money on a short-term basis. It is currently the fasting growing method employed by businesses to finance cash flow and is rapidly catching-up the traditional overdraft as the predominant form
- [Factoring - the pitfalls](https://www.factoringhelpline.co.uk/invoice-finance/factoring-the-pitfalls/) - Factoring – the pitfalls Whilst arguments for factoring are strong, there are also counter-arguments that need to be carefully considered. In some cases these can be overcome by the choice of factoring company but it is wise to be aware of all the facts before entering into a relationship with a new factoring company. The
- [Factoring facts](https://www.factoringhelpline.co.uk/invoice-finance/factoring-facts/) - Factoring facts The Factoring industry has been established in the UK for more than 35 years although it is fair to say that its reputation was tarnished in the mid 1980’s recession due to a combination of over enthusiasm to expand on the part of the factoring companies together with their clients clutching at straws
- [Factoring for Cash Flow Issues](https://www.factoringhelpline.co.uk/invoice-finance/factoring-for-cash-flow-issues/) - Cash flow is one of the main reasons companies fail. Businesses of all sizes struggle to manage their cash flow, however, for many factoring is a great solution. Factoring can offer many benefits to cash-hungry companies, and they take advantage of this type of funding for a variety of reasons. Many companies use Factoring to
- [Factoring and Invoice Finance Explained](https://www.factoringhelpline.co.uk/invoice-finance/factoring-and-invoice-finance-2/) - Factoring and invoice finance have become extremely popular forms of finance in recent years. This form of finance gives an immediate cash injection of typically up to 85% (or up to 90%/95% on a temporary basis) of the value of invoices when raised. The remaining balance of money is paid over once customers pay their
- [Choosing the correct factoring company for your business](https://www.factoringhelpline.co.uk/invoice-finance/choosing-the-correct-factoring-company-for-your-business/) - Having found out how factoring works and deciding whether it would be of benefit to your business the next stage is to find a factoring company that meets your requirements All businesses are different and each has its own criteria in respect of the sort of factoring company it is looking for in order to
- [Deciding to use factoring for your business](https://www.factoringhelpline.co.uk/invoice-finance/deciding-to-use-factoring-for-your-business/) - What is factoring and how does it work? What are the benefits and what are the costs? How will factoring benefit my business? What do I need to do to get a factoring facility? Will it allow my business to grow by improving my cash flow? These are some of the many questions that a
- [Easing cashflow dealing with the public sector](https://www.factoringhelpline.co.uk/invoice-finance/easing-cashflow-dealing-with-the-public-sector/) - We can help with: Care Homes Nursing Agencies Domiciliary Care Agencies Staffing Agencies Teaching Agencies Pharmacies Partnership buyouts Dispensing Doctors Dentists Adoption and Foster Agencies Children's Homes Asylum Seekers Homes In most cases we can provide a quote to speed up your cash flow and turn you organisation into a cash business. We can usually
- [Cash flow finance - supporting your greatest business asset](https://www.factoringhelpline.co.uk/invoice-finance/cash-flow-finance-supporting-your-greatest-business-asset/) - No matter how full your order book is, no matter how good or unique is your product, no matter how slick your service operates, if there's a cashflow problem, your whole business is at risk. How can Factoring and Invoice Discounting Help? What is it? Simply put, invoice factoring and invoice discounting finance is the
- [Factoring to grow a business](https://www.factoringhelpline.co.uk/invoice-finance/factoring-to-grow-a-business/) - Want to Grow your business? Cash flow is the biggest hurdle businesses face when they want to expand. Finding the capital to open new premises, buy in new product lines or raw materials can create a stumbling block that many businesses can't get over. However for many factoring is a great solution. Factoring can be
- [Factoring offers in built credit control](https://www.factoringhelpline.co.uk/invoice-finance/factoring-offers-in-built-credit-control/) - Credit Control The leasing invoice finance providers aim to be the best in the industry with their credit control service for factoring customers. By listening to their clients, they've developed the most tailored credit control process in the invoice finance industry, leaving you free to concentrate on running your business. Dedicated credit controllers A factoring company's credit controllers look
- [Factoring with built in payroll services](https://www.factoringhelpline.co.uk/invoice-finance/factoring-with-builtin-payroll-services/) - Payroll We understand running a payroll can create time and resource pressures on any business. That's why we have invoice finance providers on our panel of lenders that offer clients a hassle-free outsourced payroll solution. How does it work? By choosing a "Factoring with payroll" service it offers a full range of payroll solutions from simple
- [Factoring services are designed to maximise your cash flow](https://www.factoringhelpline.co.uk/invoice-finance/factoring-services-are-designed-to-maximise-your-cash-flow/) - UK Factoring services are designed to maximise your cash flow whilst removing the burden of running your sales ledger. By choosing a factoring service, an invoice factoring facility provides a high percentage of finance secured against your invoices. Typically, this is set at about 85% of invoice values. With factoring, vital cash is released immediately, ready to
- [How to choose a factor?](https://www.factoringhelpline.co.uk/invoice-finance/how-to-choose-a-factor/) - It is absolutely crucial that your business makes the right choice when choosing a factoring or invoice discounting provider. Why not search around for a factor yourself? The number of factoring companies and invoice discounting companies within the UK and worldwide has increased rapidly in recent years as the market has experienced substantial growth. In
- [How does bad debt protection work with invoice finance?](https://www.factoringhelpline.co.uk/invoice-finance/how-does-bad-debt-protection-work-with-invoice-finance/) - When you've worked long hours, day after day, the last thing you want is to worry about is a bad debt undoing it all in one unfair swoop. We can introduce you to a non recourse financier that will provide you with bad debt protection which can also be know as non recourse or a protected
- [How to Avoid Termination Fees with factoring invoice finance companies](https://www.factoringhelpline.co.uk/invoice-finance/how-to-avoid-termination-fees-with-factoring-invoice-finance-companies/) - If you need invoice finance for a short time, then you probably don't want to be tied into a long contract period with expensive termination fees. And you don't have to be! There are invoice finance providers who allow termination at any point, without a termination fee, with just 28 days notice. If you'd rather
- [How factoring can help avoid non payment of invoice?](https://www.factoringhelpline.co.uk/invoice-finance/how-factoring-can-help-avoid-non-payment-of-invoice/) - If, by the nature of your business, you have to sell goods or services on credit terms to your customers and you are trading 'business to business' then you will already know that not only does this implode on your working capital by holding back cash flow, but you also have the risk of non-payment
- [How Invoice Discounting differs from Factoring](https://www.factoringhelpline.co.uk/invoice-finance/how-invoice-discounting-differs-from-factoring/) - Explains how Invoice Discounting differs from Factoring Invoice Discounting can be described as the provision of finance against the security of receivables and in this respect is similar to factoring. The major differences is that the facility is confidential i.e. the customer is unaware of the facility and the supplier is responsible for the sales
- [How will factoring affect business bookeeping](https://www.factoringhelpline.co.uk/invoice-finance/how-will-factoring-affect-business-bookeeping/) - Explains how to modify the bookkeeping procedure in maintaining the accounting records of a business after entering into a factoring or invoice discounting arrangement. One of the questions often asked by a business entering into a factoring arrangement is how will this affect my accounting records. The theory of factoring is that on the assignment
- [How factoring works on a day to day basis?](https://www.factoringhelpline.co.uk/invoice-finance/how-factoring-works-on-a-day-to-day-basis/) - A brief overview on the day-to-day operation of a factoring facility. You sign-up - what happens next? The following article sets-out to illustrate the basic day-to-day routines in the operation of a full factoring facility from the perspective of the enterprise entering into the factoring arrangement hereafter referred to as the ‘client’. The factoring company
- [How to control cash flow with invoice finance](https://www.factoringhelpline.co.uk/invoice-finance/how-to-control-cash-flow-with-invoice-finance/) - Explains how cash flow can sometimes act like a yo-yo - one day its up the next day its down. Factoring can be a solution to this yo-yo effect. Is your cash flow like a yo-yo – one minute it’s up the next it is down? Take an ordinary small to medium sized business with
- [Fixed cost factoring for smaller businesses](https://www.factoringhelpline.co.uk/invoice-finance/fixed-cost-factoring-for-smaller-businesses/) - This article explains how factoring companies are attempting to provide facilities to suit the small business. The problem with factoring is that the normal costing methods used by factoring companies tend to penalise the smaller business. Most small businesses will find that they will be offered a facility but the cost of the facility would
- [How much does invoice discounting cost?](https://www.factoringhelpline.co.uk/invoice-finance/how-much-does-invoice-discounting-cost/) - How much does invoice discounting cost? Invoice discounting has two key costs involved, which should be considered prior to setting up a facility with either a Bank lender or an independent. Service Charge The service charge, also often referred to as an admin fee to cover the administrative function the bank or independent lender carries
- [How invoice finance works?](https://www.factoringhelpline.co.uk/invoice-finance/how-invoice-finance-works-2/) - How it works The main asset within most businesses tends to be the sales ledger. Factoring is a straightfoward way of putting this asset to work for your business in order to relieve cash flow worries and to enable the business to grow and develop. The following shows how our service works: You provide goods
- [Factoring Options - The types of factoring](https://www.factoringhelpline.co.uk/invoice-finance/factoring-options-the-types-of-factoring/) - The factoring market is a very competitive market that has led to many innovative features. When discussing your needs with a factor you should since which of the following options they can offer and see if the service makes sense. Non-Recourse Debt: If a customer defaults on their debt the factor has the right to
- [Factoring Vs Overdraft](https://www.factoringhelpline.co.uk/invoice-finance/factoring-vs-overdraft/) - Factoring is more affordable than most companies realise - and far more flexible than an overdraft facility. The two basic fees paid to the factoring company are: the service fee and interest on the amount advanced: Service Fee. This fee represents the cost of outsourcing to the factor your sales ledger management. For this fee
- [Free factoring review](https://www.factoringhelpline.co.uk/invoice-finance/free-factoring-review/) - Introduction We are strong advocates of the factoring industry in the UK as it continues to grow and to support businesses whilst many traditional high street bankers continue to retrench. However, we are not believers in the "one size fits all" approach and neither do we believe that factoring offers a solution in every case.
- [How factoring works](https://www.factoringhelpline.co.uk/invoice-finance/how-factoring-works/) - How factoring works Factoring does not entail a large change in the day-to-day operations of your business. Instead of sending invoices to your customers, you send them to the factoring company. Within 24 hours they will advance up to 95% of the invoice’s gross amount to your business. The factoring company will send the invoices
- [Invoice Finance, or factoring, can be a way of successfully funding your MBI.](https://www.factoringhelpline.co.uk/invoice-finance/funding-for-a-management-buy-in-or-mbi/) - Buy My Company If you're looking to buy a company and replace their management with your own you will enter a process called a 'Management Buy In' or MBI. The difference between a Management Buy Out (MBO) and an MBI is in the position of the purchaser: in the case of the MBO the purchasers
- [Invoice Finance Jargon Guide](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-jargon-guide/) - The invoice finance industry is a jargon jungle. But don't let that put you off. Let US be your guide. If you're unsure of some of the terms that appear on our web site or when discussing your requirements, this section should help you find your way around easily. Advance rate The agreed percentage of eligible
- [Is invoice finance possible with reciprocal trading?](https://www.factoringhelpline.co.uk/invoice-finance/is-invoice-finance-possible-with-reciprocal-trading/) - Contra trading (or reciprocal trading) is normally an issue for debtor factoring companies as they rely upon the debts being collectable as security for the funding that they provide. Where a client is also purchasing from their debtors there can be outstanding debts that the customer may offset against the payments that they are prepared
- [Invoice finance can outsource the sale ledger process for a business](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-can-outsource-the-sale-ledger-process-for-a-business/) - Outsourcing of functions within a business can be cost effective and gives the business access to specialists knowledge in the functions outsourced. So why not outsource the sales ledger. For the small to medium size business pursuing a rapid growth policy it makes sense to outsource certain functions within the business to relieve the pressure
- [Invoice finance with bad debt protection built in](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-with-bad-debt-protection-built-in/) - How factoring offers bad debt protection as an alternative to credit insurance. With an uncertain economic climate and insolvencies rising by 10% more and more businesses are using Trade Credit Insurance to protect themselves against the failure of one or more of their customers. Factors and Discounters provide an alternative to credit insurance by offering
- [Is factoring right for your business?](https://www.factoringhelpline.co.uk/invoice-finance/1105-2/) - Your Business Is your business growing? Do you need additional working capital to finance that growth? Then factoring could be the answer providing funds of up to 85% against the value of your trade debtors. Factoring is only available against trade debts. Your Product Not everybody’s product/services are suitable to factoring; the most suitable being
- [Invoice Finance for Unpaid invoices](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-for-unpaid-invoices/) - "What is Invoice Finance? Put simply, invoice finance is secured lending where the security is provided by unpaid invoices. Many companies do not appreciate that unpaid invoices can be the largest asset on their balance sheet and that they are potentially under leveraged and neglecting a great source of working capital. In addition, invoices are
- [Invoice Finance Advice](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-2/) - Funding4Business are strong advocates of the factoring industry in the UK as it continues to grow and to support businesses whilst many traditional high street bankers continue to retrench. However, we are not believers in the "one size fits all" approach and neither do we believe that factoring offers a solution in every case. This
- [Invoice Finance Terms explained](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-terms-explained/) - Certain financial terms often mean different things to different organizations depending on their own particular accounting policies. Our A-Z will help you understand the terms used every day by those working in the financial services industry. Assignment The legal means by which an invoice finance company have the right to collect cash directly from your debtors
- [Invoice discounting at a glance](https://www.factoringhelpline.co.uk/invoice-finance/invoice-discounting-at-a-glance/) - Invoice discounting at a glance The following four steps are an overview of invoice discounting, if you would like to learn more about this product click here: Your company write an invoice as usual Your company send a sales daybook listing to your factorer Your factoring company can then advance you up to 85% of
- [Invoice Discounting Guide UK](https://www.factoringhelpline.co.uk/invoice-finance/invoice-discounting-guide-uk/) - To help you, we have addressed some of the most frequently asked questions on Invoice Discounting below: Your customers who pay “direct” One of the most common problems encountered in the early part of any discounting relationship is that customers continue to pay funds direct into your bank account. Should this occur, you will need
- [Invoice discounting to help improve their cash flow](https://www.factoringhelpline.co.uk/invoice-finance/invoice-discounting-to-help-improve-their-cash-flow/) - Invoice discounting is a way of drawing money against your outstanding sales invoices, immediately. However, your business retains control over the administration and collection of your sales ledger. It can be completely confidential such that your customers are unaware that you are using a facility. It provides a cost-effective way for businesses to help improve
- [Invoice Discounting for Small Businesses](https://www.factoringhelpline.co.uk/invoice-finance/invoice-discounting-for-small-businesses/) - Would you like to raise invoice finance, but are concerned that using a factor to chase invoices might interfere with your customer relationships? The answer is invoice discounting – but it's often not available to small businesses. Invoice discounters often have strict requirements about the financial trading performance required to qualify for invoice discounting and
- [Introduction to factoring](https://www.factoringhelpline.co.uk/invoice-finance/introduction-to-factoring/) - Business Owner? Would you like a large and quick boost to your cash flow? Are you worried about or short of working capital? Would you like to receive your money from outstanding invoices before they have been paid? Would you like to reduce the time you spend on credit control? What can factoring do for
- [Invoice finance - the solution to successfully growing a business.](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-the-solution-to-successfully-growing-a-business/) - Providing adequate invoice finance could be the solution to successfully growing a business. Often with small and medium sized businesses (SMEs) the largest asset on the balance sheet is the outstanding invoices. When looking for increased finance to grow a business a bank will look at the assets of a business as a means of
- [Invoice Discounting Vs. Factoring](https://www.factoringhelpline.co.uk/invoice-finance/invoice-discounting-vs-factoring/) - Invoice Discounting Vs. Factoring Invoice Discounting Factoring Companies > 1M turnover Companies < 1M turnover Smaller market of lenders Larger market of lenders Interest fee Interest fee Low management fee Management fee No ledger management Ledger management No credit insurance Credit insurance Not disclosed to clients Disclosed to clients
- [Industries associated with factoring](https://www.factoringhelpline.co.uk/invoice-finance/industries-associated-with-factoring/) - Traditional Usage of Factoring Traditionally there have been several industries, which have benefited greatly from using invoice factoring to solve their financial requirements due to their specific cash flow operation. What characterises these industries is their uneven cash flow balance i.e. they need to pay their suppliers or work force on a more regular basis
- [Invoice Factoring Case Studies](https://www.factoringhelpline.co.uk/invoice-finance/invoice-factoring-case-studies/) - Invoice Factoring Case Studies We have helped many companies get the factoring service they need to help their company operate in a more efficient manner. Here are a few examples of what we have done and the situations companies found themselves in which necessitated factoring: Case study: Haulage Factoring The company had been trading for
- [Invoice Finance](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-2-2/) - Invoice Finance In the UK factoring and invoice discounting is the most rapidly method of financing a growing business, having enjoyed annual growth of around 20% over the past few years. We have developed a specialty in the industry, having recently seen a number large number of clients’ benefit from its use. Included under the
- [Invoice Discounting is the fastest growing alternative to bank overdraft funding](https://www.factoringhelpline.co.uk/invoice-finance/invoice-discounting-is-the-fastest-growing-alternative-to-bank-overdraft-funding/) - Invoice Discounting is increasingly viewed as the fastest growing alternative to bank overdraft funding. Yet, it has rarely been made available to the smaller business. Contact us to request your no-obligation Invoice Discounting Quote today. As our name suggests, we are here to help small and medium enterprise businesses maximise their cash flow. Using Invoice Discounting, we
- [Using Invoice Finance, or factoring, can be a way of successfully funding your MBO.](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-to-fund-management-buy-out/) - Management Buy-Out A business manager looking to buy the company he or she works for is looking at a process known as a 'Management Buy Out' or MBO. A successful MBO is a combination of the right people and the right funding package to see them through the purchase and securing ongoing working capital, so
- [Transferring your facility to another invoice finance provider.](https://www.factoringhelpline.co.uk/invoice-finance/transferring-your-facility-to-another-invoice-finance-provider/) - Move My Factor As you already use factoring or invoice discounting you'll appreciate the cash flow worries it removes. However, you'll have also found out that no two factoring providers are the same and how quite often you get what you pay for in terms of service. If this sounds familiar, then you could consider
- [What is single debtor factoring?](https://www.factoringhelpline.co.uk/invoice-finance/what-is-single-debtor-factoring/) - Businesses can sometimes require finance from a factoring company (also know as a factor) against a single customer (or a single debtor or a prime debtor). This may be due to a prime debtor concentration of trade into a single customer or seasonal trading peaks or you may just want finance against one customer without
- [What is debt factoring?](https://www.factoringhelpline.co.uk/invoice-finance/what-is-debt-factoring/) - Debt factoring is selling your invoices to a third party, i.e. a factoring company. In return they will process the invoices and allow you to draw early payments in cash against the money owed to your business. You get cash quickly, and don't have to collect the debt. The factors fee is taken from the
- [The typical advantages of factoring for a business](https://www.factoringhelpline.co.uk/invoice-finance/the-typical-advantages-of-factoring-for-a-business/) - Is factoring for you? Factoring can apply to any company that creates a business to business debt for their customers. If you feel that you could benefit from: A large and quick boost in cash flow Reduced capital base requirements Early payment discounts from your suppliers Increased profit margins Less time spent on credit control
- [Using Invoice Discounting](https://www.factoringhelpline.co.uk/invoice-finance/using-invoice-discounting/) - Invoice Discounting UK Once the invoice has been issued how soon will I receive payment from my invoice financer? Once you issue an invoice and log it on your sales ledger you could typically release up to 85% of the invoice value within 24 hours. So if you issue an invoice for £5,000 you could
- [Manage your cash flow or your business could fail](https://www.factoringhelpline.co.uk/invoice-finance/manage-your-cash-flow-or-your-business-could-fail/) - The factoring industry offers a range of solutions in the field of working capital funding and credit management. This article sets out the importance of adequate working capital and good invoicing procedures. When a new business is formed, the founders will, by definition, be of a sales driven, entrepreneurial nature. While these skills are fundamental
- [Learn about factoring](https://www.factoringhelpline.co.uk/invoice-finance/learn-about-factoring/) - Would you like up to 80% cash advance of your outstanding Sales Debts/Invoices paid to you within a week of our initial contact? Would you like to release the money tied up in unpaid sales invoices and then have the confidence to increase your turnover knowing you have funding in line with that growth? When
- [What is Invoice Financing?](https://www.factoringhelpline.co.uk/invoice-finance/what-is-invoice-financing/) - Invoice financing is any form of financing that provides your business with a short-term loan that is secured by providing the lender the right to collect your revenue from a customer you have invoiced. There are many different forms of invoice financing available anything from a full service ledger management provided by factoring to a
- [The cost of factoring](https://www.factoringhelpline.co.uk/invoice-finance/the-cost-of-factoring/) - The cost of factoring Factoring carries two costs, which are: The discount charge The interest cost of the borrowing, which is typically charged at a similar rate to secured bank overdraft lending – i.e. between 1.5% and 3% over bank base rate for a typical borrower. A service fee To cover the cost of managing
- [Which Factoring Company?](https://www.factoringhelpline.co.uk/invoice-finance/which-factoring-company/) - Which Factoring Company? Which factor? Not all factors are equal. Currently there are around 50 factoring companies in the UK and these range from subsidiaries of the UK clearing banks and large overseas banks to small independent factors specialising in moderate levels of debt for smaller companies. The choice of the correct factor for any
- [The factoring or invoice discounting service](https://www.factoringhelpline.co.uk/invoice-finance/the-factoring-or-invoice-discounting-service/) - The factoring or invoice discounting service The factoring or invoice discounting service fee will vary according to the risk and work associated with your accounts receivables. Your fee will be lower if you have several well-established clients who you invoice regularly. The number of invoices you issue a month, the concentration of sales (percent of
- [Traditional Usage of Factoring](https://www.factoringhelpline.co.uk/invoice-finance/traditional-usage-of-factoring/) - Traditional Usage of Factoring Traditionally there have been several industries, which have benefited greatly from using invoice factoring to solve their financial requirements due to their specific cash flow operation. What characterises these industries is their uneven cash flow balance i.e. they need to pay their suppliers or work force on a more regular basis
- [Recruitment, Haulage, Couriers, Export and Manufacturing companies use invoice finance](https://www.factoringhelpline.co.uk/invoice-finance/recruitment-haulage-couriers-export-and-manufacturing-companies-use-invoice-finance/) - Recruitment, Haulage, Couriers, Export and Manufacturing companies use invoice finance Recruitment Factoring & Temp Agency Factoring The basic problem faced with recruitment agencies, especially temp agencies, is that they pay their temp staff on a weekly basis from their balance sheet but don’t receive payment from their contracts as regularly – this short fall in
- [So how does Factoring and Invoice Discounting work?](https://www.factoringhelpline.co.uk/invoice-finance/so-how-does-factoring-and-invoice-discounting-work/) - An unpaid invoice has value. It's a debt your customer has agreed to pay in the near future. At any one time you'll have a number of unpaid invoices on your sales ledger. This means your sales ledger has value. So factoring companies will buy or advance the value of your outstanding sales ledger for
- [The benefits of factoring for a small or start up business.](https://www.factoringhelpline.co.uk/invoice-finance/the-benefits-of-factoring-for-a-small-or-start-up-business/) - An overview of the benefits factoring can bring to a small business in particular to start-up and new enterprises When starting a new business it is important that sufficient capital is provided initially to enable the enterprise to successfully establish itself. This capital could be in the form of money provided by the prime movers
- [The costs of factoring?](https://www.factoringhelpline.co.uk/invoice-finance/the-costs-of-factoring/) - By factoring your invoices, you are outsourcing your sales ledger management and debt collection to the factoring company. They are professionals in this area and they will speed the collection of your invoices and reduce your collection cost. They understand the importance of business relationships and will treat all of your customers in a professional
- [Raising finance by selling their debts due](https://www.factoringhelpline.co.uk/invoice-finance/raising-finance-by-selling-their-debts-due/) - Invoice Factoring This product provides SMEs with the opportunity of raising finance by selling their debts due from their customers on a continuing basis to raise cash to finance their operating and working capital needs. Invoice finance companies can provide a full factoring service that provides advances up to 90% of approved invoices. Invoice finance companies
- [Is the threat of bad debt holding your business back?](https://www.factoringhelpline.co.uk/invoice-finance/is-the-threat-of-bad-debt-holding-your-business-back/) - Credit Insurance may be an option In today’s difficult economic climate, business failure is a real and growing issue. How would your business cope if one of your major customer’s failed to pay? Would you still be able to pay your staff, suppliers and utility bills? The catastrophic effects of bad debts are well documented
- [Why should I use factoring?](https://www.factoringhelpline.co.uk/invoice-finance/why-should-i-use-factoring-2/) - There are many ways your business can benefit from factoring below are some of the problems that factoring may help you solve or some of the reasons you may have not considered. How does factoring help improve my cash flow? or How can I find more cash to operate my business? You get cash in
- [Will using a Factor affect your Client Relationships?](https://www.factoringhelpline.co.uk/invoice-finance/will-using-a-factor-affect-your-client-relationships-2/) - When you undertake to use a factoring service the company retains the exclusive nature of its relationship with its customers. Negotiating the terms and conditions of sales, namely price, delivery time, discount and so on, are always a matter for the company. On the other hand, the company can strengthen its links with customers and
- [Why Factoring](https://www.factoringhelpline.co.uk/invoice-finance/why-factoring/) - Why Factoring Why (and when) factoring? More businesses fail through lack of cashflow than for any other single reason. Paradoxically the very success of a business in achieving turnover may often bring about its downfall when its resources are strained beyond breaking point by the need to finance the sales. This may sometimes even be
- [Working Capital](https://www.factoringhelpline.co.uk/invoice-finance/working-capital/) - How your suppliers can help to balance your fluctuating capital needs Working CapitalAs with all businesses, varying need for working capital fluctuates from day-to-day. To overcome some of your most financially demanding periods you might consider setting up an agreed overdraft facility with you bank. By doing this you can rely on extra capital when
- [Will using a Factor affect your Client Relationships?](https://www.factoringhelpline.co.uk/invoice-finance/will-using-a-factor-affect-your-client-relationships/) - Will using a Factor affect your Client Relationships? When you undertake to use a factoring service the company retains the exclusive nature of its relationship with its customers. Negotiating the terms and conditions of sales, namely price, delivery time, discount and so on, are always a matter for the company. On the other hand, the company
- [Why should I use factoring?](https://www.factoringhelpline.co.uk/invoice-finance/why-should-i-use-factoring/) - Why should I use factoring? There are many ways your business can benefit from factoring below are some of the problems that factoring may help you solve or some of the reasons you may have not considered. How does factoring help improve my cash flow? or How can I find more cash to operate my
- [Why should a business use invoice financing?](https://www.factoringhelpline.co.uk/invoice-finance/why-should-a-business-use-invoice-financing/) - Why should a business use invoice financing? | Business Loans UK https://s0.wp.com/wp-content/themes/pub/splendio/js/html5.js Why should a business use invoice financing? There are several reasons that companies use invoice financing, the following are just a few: If your business needs fund to finance an increasing level of turnover If your cash flow is suffering by inefficient debt collection
- [Working Capital](https://www.factoringhelpline.co.uk/business-finance/working-capital/) - Money is the lifeblood of any business. Regardless of the trade, size or location of your business, without money, nothing is possible. Therefore it is very important for every business to monitor its cash flow in order to fund operations, adequately plan expenditures and make informed investment decisions. The money that is needed to facilitate
- [Finance restructuring](https://www.factoringhelpline.co.uk/business-finance/finance-restructuring-2/) - Working in partnership with your accountant or business adviser, this service enables us to assess the opportunities for restructuring your finances in order to keep your costs down and better achieve your business objectives. With your help we will examine your financial situation in detail e.g. assets, liabilities, cashflow etc to find creative and cost
- [Development Finance](https://www.factoringhelpline.co.uk/business-finance/development-finance/) - Property and land development often requires a mix of short and long term finance to acquire sites, build new properties, refurbish existing properties and purchase land. We can help fund development projects ranging from small scale refurbishments to mulit-million pound new build complexes. Interest rates are usually arranged on an interest only basis. Loan to Value rates
- [Short term (bridging) finance](https://www.factoringhelpline.co.uk/business-finance/short-term-bridging-finance-2/) - Short term finance enables businesses and investors to take advantage of opportunities which require transactions to be completed quickly. The focus on this type of finance is speed. Its about “getting the deal done” as quickly as required. Our independence in the market means we can arrange short term (bridging) finance that suits your particular situation.
- [Sale and leaseback](https://www.factoringhelpline.co.uk/business-finance/sale-and-leaseback/) - Many businesses have capital tied up in assets that could be released to be used immediately as; working capital, funds for expansion, finance to buy a new business, reduction of debt etc. New or used equipment, plant, vehicles, property (land and buildings) that are owned may be sold to a lender (for cash) who in
- [Factoring](https://www.factoringhelpline.co.uk/business-finance/factoring/) - For many smaller businesses their most valuable assets are their outstanding invoices. The factoring organisation manages the whole sales ledger process chasing outstanding invoices, issuing statements, telephoning customers and collecting payments. This service can free up huge amounts of management time that can be redirected to growing and managing the business. By improving the speed
- [Invoice Discounting](https://www.factoringhelpline.co.uk/business-finance/invoice-discounting/) - Similar to factoring in that it enables the release of funds that are tied up in unpaid invoices. However in this case, the responsibility for invoice collection does not change. The Invoice discounter in effect purchases the debtor book and provides up to 90% of invoice value on receipt of invoices. Businesses already established and
- [Finance Restructuring](https://www.factoringhelpline.co.uk/business-finance/finance-restructuring/) - Working in partnership with your accountant or business adviser, this service enables us to assess the opportunities for restructuring your finances in order to keep your costs down and better achieve your business objectives. With your help we will examine your financial situation in detail e.g. assets, liabilities, cashflow etc to find creative and cost
- [Unsecured Business Finance](https://www.factoringhelpline.co.uk/business-finance/unsecured-business-finance/) - We specialise in helping new and established businesses: How can we help? Our advisers provide independent advice, consultancy and commercial broking services and have experience across a wide range of business sectors. Therefore we can: Free you from the limitations of raising finance from one local bank Help you understand your finance raising options
- [Personal Loans for Business](https://www.factoringhelpline.co.uk/business-finance/personal-loans-for-business/) - Business owners sometimes find that the most appropriate way of raising money quickly is via a secured personal loan. Advantages of personal loans: Can be organised very quickly Fees can often be included within the overall cost of the loan. Avoid need to go through the time and expense of remortgaging. They can be used
- [Secured Loans](https://www.factoringhelpline.co.uk/business-finance/secured-loans/) - With so many different options for raising finance available, it is often not easy choosing which is best for your circumstances. We can help you decide and sometimes provide additional options that you haven’t already considered. We can help in a variety of situations: • Equity trapped in your home but you are ‘tied in’ with
- [Loans for the Self Employed](https://www.factoringhelpline.co.uk/business-finance/loans-for-the-self-employed/) - Whether you are a self employed plumber, builder or business consultant, there are likely to be times that you will need to raise additional funds. Whether they are needed for working capital, school fees, a new car, home improvements or a well earned holiday it can be very difficult for self employed people to source
- [Financial Solutions](https://www.factoringhelpline.co.uk/business-finance/financial-solutions/) - Business Finance takes a unique approach to finance that is tailored to your company's potential and your industry's needs. Our finance experts have the knowledge and expertise to free up your cash flow and release equity in your assets to make your business more competitive. If you are looking for a flexible and committed partner
- [Invoice Finance](https://www.factoringhelpline.co.uk/business-finance/invoice-finance/) - Speed up your cashflow with Invoice Finance allowing your business the opportunity to grow quicker. Traditional overdrafts are based on historical trading data and are capped - Invoice Finance however has no upper limit. It is a revolving credit facility, where your available funding rises in accordance with your sales, providing critical cash for growth.
- [Frequently Asked Questions](https://www.factoringhelpline.co.uk/company-info/frequently-asked-questions/) - We are transparent in all our dealings with clients and customers and will explain everything as best we can. If you have any questions that are not answered below then please feel free to contact us directly for a no obligation, informal conversation. What is factoring? Factoring is a facility that enables you to get
- [Help choosing a funder](https://www.factoringhelpline.co.uk/company-info/help-choosing-a-funder/) - Invoice factoring companies come in a variety of forms. The biggest tend to be either directly from banks or subsidiaries of banks. Others are parts of major financial institutions and others are independent. Different factors will take a different view on what types of business they want to get involved with and what they perceive
- [Testimonials](https://www.factoringhelpline.co.uk/testimonials-2/) - We are committed to providing the highest levels of customer service. Please browse this selection of testimonials to see for yourself how out commitment has benefitted our customers.
- [SME Finance](https://www.factoringhelpline.co.uk/business-finance/sme-finance/) - When you are running your own business, having a funding partner who understands your challenges can make all the difference. We spend all of their time working with businesses like yours. Which means, irrespective of whether you are trying to fund growth, refinance or make an acquisition, we can help you unlock the maximum funds from
- [Cash Flow Finance](https://www.factoringhelpline.co.uk/business-finance/cash-flow-finance/) - Improve your cash flow and get the cash into your business at a faster rate. Invoice factoring and Invoice discounting are becoming highly popular forms of immediate finance releasing the equity tied up in your invoices, in some circumstances cash is released within 24 hours. Cash flow finance works very simply and the more business
- [Small business loans - how do loans work?](https://www.factoringhelpline.co.uk/business-finance/small-business-loans-how-do-loans-work/) - small business loans - how do loans work? Loans may be structured several different ways but the two most important aspects to consider are the interest rate (type and method) and the repayment schedule for the loan. There are two options to set your interest rate: Fixed Rate: With a fixed rate the interest rate
- [Small Business Loans - Advantages and Disaf](https://www.factoringhelpline.co.uk/business-finance/small-business-loans-advantages-and-disaf/) - Small Business Loans - Advantages and Disadvantages advantages Retain Ownership. Instead of raising funds by selling an interest in your company to an investor, you retain the current ownership of your company. The lender is only entitled to an interest return on its loan, not a percentage of the profits or a share in
- [Small Business Loans - frequently asked questions](https://www.factoringhelpline.co.uk/business-finance/small-business-loans-frequently-asked-questions/) - Small Business Loans frequently asked questions (FAQs) What is the usual length of a loan? Loans are typically available for any time period between 1 to 15 years. Why take a loan when I meet my needs with cash? A loan preserves cash and liquidity. You might be able to secure better conditions on
- [Business Loans - Glossary of common terms](https://www.factoringhelpline.co.uk/business-finance/business-loans-glossary-of-common-terms/) - Asset - Any item of economic value owned by you or your corporation, especially that which could be converted to cash. Bank Base Rate - The minimum interest rate that the bank will charge you for your loan. Fixed Rate - The interest rate (i.e. the percentage) applied to the outstanding principal remains
- [Small Firms Loan Guarantee Scheme](https://www.factoringhelpline.co.uk/business-finance/142-2/) - Small Firms Loan Guarantee Scheme This is in theory a superb scheme. In practice finding a lender willing to lend you money under the scheme is can be more difficult than finding a Man U supporter in Manchester. The Scheme guarantees loans from banks and other financial institutions for small businesses with viable business proposals, which
- [Business Loans and Commercial Finance](https://www.factoringhelpline.co.uk/business-finance/business-loans-and-commercial-finance/) - Business Loans and Commercial Finance | Business Loans UK https://s0.wp.com/wp-content/themes/pub/splendio/js/html5.js Finding and securing commercial finance packages, especially forms of business loans, is a complicated process and you’ll need to research the market carefully. We try to provide you with sufficient information to decide which type of finance solution is the correct product for your company
- [Business Loans Guide](https://www.factoringhelpline.co.uk/business-finance/business-loans-guide/) - Business Loans Guide | Business Loans UK https://s0.wp.com/wp-content/themes/pub/splendio/js/html5.js Many businesses approach getting loans as the only means of finance open to them. To decide whether or not a business loan is the correct type of finance for your company read this guide but try to read our other commercial finance solutions in addition. Business loans
- [What Is Asset Based Lending](https://www.factoringhelpline.co.uk/business-finance/what-is-asset-based-lending/) - Asset based lending is the provision of commercial finance on the strength of a business’s balance sheet. Assets can include: land and buildings plant and machinery motor vehicles stock debtors In some cases, intangible assets such as strong brands or goodwill may be taken into account. A financier may provide a single structured funding package
- [Buy to Let Mortgages for business](https://www.factoringhelpline.co.uk/business-finance/buy-to-let-mortgages-for-business/) - Buy-to-let investments are becoming a more lucrative option for investors in light of the current stock market downturn, and with interest on buy-to-let mortgages at well below 6%. The growth in an initial investment geared at 80% over 3 years can be higher than 30% (even accounting for stamp duty and administration costs) The rental
- [Using a commercial mortgage to buy your business premises](https://www.factoringhelpline.co.uk/business-finance/using-a-commercial-mortgage-to-buy-your-business-premises/) - For many new and smaller businesses, the costs of buying property make renting the most viable way to secure commercial premises. But for those who can spare the capital to fund a deposit and other associated costs, owning your business premises can have many advantages. A recent survey carried out by HSBC bank found that
- [Start up finance](https://www.factoringhelpline.co.uk/business-finance/start-up-finance/) - Starting a business is often one of the most difficult times to raise finance since there is no track record, few assets or trading performance to help lenders with their decision making. However there are an increasing number of lenders providing flexible facilities for the start up business. These range from the Loan Guarantee scheme
- [What is Asset-Based Lending](https://www.factoringhelpline.co.uk/business-finance/what-is-asset-based-lending-2/) - Asset-based lending is a funding solution, which has its origins in the US. This type of facility is now regularly used in the UK. Unlike invoice discounting which only provides funding against debtors or receivables, an asset-based lending facility will also take account of your stock or inventory. The lender will provide finance up to
- [Stock Finance](https://www.factoringhelpline.co.uk/trade-finance/stock-finance/) - There are financiers who will advance funds against existing warehouse stock but only as part of a package of asset based lending. Such funding is not provided on a stand alone basis. Stock will need to be finished goods and less than 3 months old. As a guide up to 50% of the cost of
- [Trade and transaction finance](https://www.factoringhelpline.co.uk/trade-finance/trade-and-transaction-finance/) - This type of finance may be needed for clients that are entering new markets overseas, investing in new stock, partnering with new overseas suppliers/customers or investing in new stock for seasonal reasons or a one off supply to a single customer. Transaction finance can provide support when there is a need for top up financing
- [Revolving Trade Finance](https://www.factoringhelpline.co.uk/trade-finance/revolving-trade-finance/) - Revolving Trade Finance Revolving Trade Finance (RTF) is a novel and flexible idea for financing businesses which is growing in popularity in this country and is likely to make great inroads into traditional clearing bank debenture backed overdraft business over the next few years. Part of the reason for the growth in popularity is because
- [Small Business Loans](https://www.factoringhelpline.co.uk/business-finance/small-business-loans/) - Small Business Loans | Business Loans UK https://s0.wp.com/wp-content/themes/pub/splendio/js/html5.js Small businesses frequently look for business loans when a business loan is not the correct type of commercial finance product they need and, more importantly, are not going to be given by the lender. Before getting a business loan quote it is best to ask yourself: Do
- [More about Bridging Loans.](https://www.factoringhelpline.co.uk/business-finance/more-about-bridging-loans/) - More about Bridging Loans. • Bridging Loans are normally short term finance for almost any reason. • Usually bridging a financial gap between two transactions. • These may be by way of a First or Second Charge on property. • Sometimes expensive, but specifically designed for a short term advance. • “Closed Bridging” is where
- [Property Finance](https://www.factoringhelpline.co.uk/business-finance/property-finance/) - We can assist in a number of ways: Commercial mortgage Bridging finance Second charge lending Development finance Commercial Mortgage Commercial mortgage lending can provide loan to value funding to a maximum of 80% of property values. In certain cases higher advances may be offered but additional security would need to be provided. Repayment terms in
- [Glossary of Terms](https://www.factoringhelpline.co.uk/business-finance/glossary-of-terms/) - Agency factoring Similar to Client Handles Own Collections (CHOCS). Approved debts Another term for eligible debtors. Client Handles Own Collections (CHOCS) A hybrid service more similar to factoring than invoice discounting. Whilst the client handles debtor collections, with CHOCS the factoring company usually maintains a full duplicate sales ledger in order to monitor closely the
- [Bank overdraft](https://www.factoringhelpline.co.uk/business-finance/bank-overdraft/) - Bank overdraft The overdraft is the best known and most frequently used form of funding for businesses. Overdrafts are best suited for short term borrowing needs and indeed bankers will eventually tire of a situation where an account is permanently overdrawn and press for its repayment. The fact that you pay interest terms only for
- [Hire purchase and leasing](https://www.factoringhelpline.co.uk/business-finance/hire-purchase-and-leasing/) - Hire purchase and leasing Available to finance the cost of fixed assets – from heavy plant to cars or office equipment. Typically HP and leasing will provide up to 70-80% of the cost of the asset repayable over an agreed term – usually 2 to 10 years.
- [Help and Information to Finance YOUR Business](https://www.factoringhelpline.co.uk/business-finance/help-and-information-to-finance-your-business/) - Any size of business, established or new, in any location (in the UK, including Northern Ireland) We have a network of advisers waiting to help you with information, guidance and services to assist you in financing your business. This FREE service is offered to any business that offers credit terms to their customers (not retail)
- [How to apply for pub mortgage finance](https://www.factoringhelpline.co.uk/business-finance/how-to-apply-for-pub-mortgage-finance/) - Whether you need a commercial mortgage for a pub or modern city bar, the role of a publican is becoming increasingly attractive to entrepreneurs. Following recent changes to UK licensing laws, publicans now have access to longer trading hours and more control over their businesses than ever before. This combined with improved pub finance deals
- [Short term (bridging) finance](https://www.factoringhelpline.co.uk/business-finance/short-term-bridging-finance/) - Short term finance enables businesses and investors to take advantage of opportunities which require transactions to be completed quickly. The focus on this type of finance is speed. Its about “getting the deal done” as quickly as required. Our independence in the market means we can arrange short term (bridging) finance that suits your particular situation.
- [Funding for Management Buy Outs MBOs](https://www.factoringhelpline.co.uk/business-finance/funding-for-management-buy-outs-mbos/) - Key requirements quality management is a prerequisite strong cash flow growth potential low (or manageable) operational risk As with all deals, balancing vendor price expectation with the inherent business value, is key to delivering a transaction. However the potential conflicts faced by management makes this area especially tricky. Important areas to consider management’s position regarding
- [Business Funding](https://www.factoringhelpline.co.uk/business-finance/business-funding/) - Business Finance Whilst the core products of the factoring industry remain recourse factoring and invoice discounting, the determination to be ahead of the competition and the quest for ingenuity has lead to a number of new and hybrid products aimed at filling the needs of clients. These include: Further products and add-ons include: Import finance
- [Equipment Finance - leasing and hire purchase](https://www.factoringhelpline.co.uk/business-finance/equipment-finance-leasing-and-hire-purchase/) - Leasing Equipment or Assets helps you the Lessee keep up with ever changing technology and is the logical choice to give your company financial flexibility and preserve your vital capital and cash flow. Ultimately the choice as to whether leasing is right for your company depends on your circumstances and these will vary greatly from
- [Commercial Property Finance](https://www.factoringhelpline.co.uk/business-finance/commercial-property-finance/) - In the UK there are countless major and minor lending institutions with the ability to deliver a mortgage/loan solution tailored to the client’s requirements. To ensure the company really is a Commercial Finance Broker that stands out from the crowd the systems and procedures have been developed and fine tuned so that professional intermediaries and customers alike
- [Every business will have a reason to borrow money](https://www.factoringhelpline.co.uk/business-finance/every-business-will-have-a-reason-to-borrow-money/) - It is a fact of life that at some stage almost every business will have a reason to borrow money. Whether you are a Company, Sole Trader or Partnership, well established or a new business there are literally hundreds of lenders. Alternative Finance providers can arrange finance in cases where High Street lenders say no. By
- [Financing and Leasing for all Your Capital Equipment Requirements](https://www.factoringhelpline.co.uk/business-finance/financing-and-leasing-for-all-your-capital-equipment-requirements/) - Join practically every sector of the British economy and see what finance can do for you. Whether you are an SME, a government department, a school or large corporation there is a benefit for your organisation. Save Working Capital. When businesses buy equipment outright, the capital invested becomes tied up in a depreciating asset, preventing
- [Business Finance Options](https://www.factoringhelpline.co.uk/business-finance/business-finance-options/) - Other related services and products Whilst the core products of the factoring industry remain recourse factoring and invoice discounting, the determination to be ahead of the competition and the quest for ingenuity has lead to a number of new and hybrid products aimed at filling the needs of clients. These include: Revolving Trade Finance Revolving
- [Business Finance](https://www.factoringhelpline.co.uk/business-finance/business-finance-2/) - Many businesses will need to borrow at some stage in their development but the need is never greater than for a growing business for which cash always appears to be at a premium. Funding4Business are advisers to SME businesses and have extensive experience of these inevitable growing pains and access to the many funding sources
- [Financing a business](https://www.factoringhelpline.co.uk/business-finance/financing-a-business/) - Please note that this section does not attempt to consider internal financing methods – for example ordinary share capital or preference shares – but concentrates on the external financing of a business via institutional lenders. For any business considering methods of funding its operations, the first option will usually be creditors’ money. This is the
- [Commercial Mortgage](https://www.factoringhelpline.co.uk/business-finance/commercial-mortgage/) - Commercial Mortgage Commercial mortgages can be made from a variety of sources to assist with the purchase of freehold or long leasehold premises. Lenders include high street banks, building societies, insurance companies and specialised independent lenders. Typically lenders will finance up to 70% - 75% of the lower of purchase price or valuation for a
- [Finance Grants for Businesses](https://www.factoringhelpline.co.uk/business-finance/finance-grants-for-businesses/) - Grants and Schemes Funding is an essential part of all businesses. Whether your business is small and new, or large and established, adequate finance is required for the majority of projects, purchases, and expansions. However, many small businesses find it very difficult to obtain finance, particularly if they are starting up or if they are
- [Finance for the private sector.](https://www.factoringhelpline.co.uk/business-finance/finance-for-the-private-sector/) - We can help with all types of finance for the private sector. Business purchase, expansion and/or refinance Partnership buyouts Finance following CCJ Stock Finance Working Capital Leasehold retail businesses Equipment loans and leasing Vehicle loans and leasing Agricultural plant and equipment loans and leasing Commercial and semi-commercial property Loans and mortgages secured solely on the
- [Bridging Loans](https://www.factoringhelpline.co.uk/business-finance/bridging-loans/) - We are experienced finance brokers with specialist expertise in arranging loans and finance. If you are looking for a Bridging Loan we are here to help. Bridging Loans Bridging finance is often associated with property transactions but it can be used in any circumstances where you need fast, flexible, easy access to short-term funding. It
- [Business Cashflow Solutions](https://www.factoringhelpline.co.uk/business-finance/business-cashflow-solutions/) - Did you know that most businesses cease trading owing to cash flow problems and not due to lack of profits! Unless your company is collecting its income it will not survive. We can offer many solutions to help our commercial clients. Cash flow and Trade Finance solutions include Invoice Discounting (and confidential solutions), Factoring, Trade
- [Benefits of leasing or lease finance](https://www.factoringhelpline.co.uk/business-finance/benefits-of-leasing-or-lease-finance/) - Leasing is used to arrange equipment finance for both end users and suppliers who are providing a service for their clients; either way it can help. It has proven to be the fastest growing method of funding in the UK. In today's business world, leasing has become an essential financial product that enables a company to
- [Bank loan](https://www.factoringhelpline.co.uk/business-finance/bank-loan/) - Bank loan Packaged by the high street banks under various titles, a business development loan is an injection of cash to be repaid over a term – typically two to five years and occasionally longer. Bankers dislike "hardcore" overdrafts (i.e. those accounts that are permanently overdrawn) and will press for them to be switched to
- [Asset Finance for UK businesses](https://www.factoringhelpline.co.uk/asset-finance-for-uk-businesses/) - Asset finance for plant, machinery and related business assets for new and refinancing arrangements are available from a wide variety of financiers from high street Banks through to specialist funders who focus on niche sectors. The choice of an asset financier is invariably based on funding at the most competitive price. Access to the keenest
- [About Bridging Finance](https://www.factoringhelpline.co.uk/business-finance/about-bridging-finance/) - Short term funding, or as it is more commonly known, bridging finance, is probably the most under used form of financing. A bridge can provide fast access to funding with the minimum of formalities. Bridging finance can be used in a number of different circumstances, e.g. refurbishment - buying dilapidated properties and then renovating and
- [Warehouse Linked Trade Finance](https://www.factoringhelpline.co.uk/trade-finance/warehouse-linked-trade-finance/) - As a variation to traditional trade finance in some cases a company may not have a committed customer order but can demonstrate the saleability of the product. The opportunity to import product in price competitive bulk order to be held under a financier’s ownership and in their warehouse but subject to call-off can be attractive.
- [Trade Finance Solutions](https://www.factoringhelpline.co.uk/trade-finance/trade-finance-solutions/) - Trade Finance Solutions Trade finance services offers structured solutions to enable UK businesses to pay their global suppliers for goods purchased. Trade finance services include: Loans Trade finance companies can provide businesses with working capital loans over the period of the cycle, on a rolling basis, allowing you to pay your suppliers direct. Pay Suppliers Direct
- [Trade Finance](https://www.factoringhelpline.co.uk/trade-finance/trade-finance/) - Trade finance is available for the importers of finished goods into the UK. A wide range of goods can be funded with the general exception of perishable and toxic goods. It will invariably be linked to a factoring or invoice discounting facility. The funding is made available to help those companies with confirmed orders or
- [Business Funding Options](https://www.factoringhelpline.co.uk/business-finance/business-funding-options/) - Bank loan Bank overdraft Business Finance Business Finance Options Business Funding Commercial Mortgage Financing a business Glossary of Terms Hire purchase and leasing Revolving Trade Finance Small Firms Loan Guarantee Scheme
- [Business finance services](https://www.factoringhelpline.co.uk/business-finance/business-finance-services/) - If you need to raise business finance because: Been refused or let down by your bank Need to invest in business assets like vehicles, technology or equipment Your business needs extra working capital Want to purchase a commercial property Are planning to build or refurbish a commercial property Want to purchase a business Or if
- [About US FAQ](https://www.factoringhelpline.co.uk/company-info/about-us-faq/) - What's involved in securing a debtor finance facility? How quickly can an invoice finance facility it be arranged? How easy is it to terminate? What are the potential drawbacks? What's the difference between recourse and non-recourse factoring? What are "approved debts"? What's the difference between invoice discounting and factoring? How do I know that you will
- [Business Bankruptcy and Insolvency](https://www.factoringhelpline.co.uk/business-turnaround/bankruptcy-and-insolvency/) - Corporate (Company) Insolvency Creditors Voluntary Liquidation Glossary of Insolvency Terms Insolvency by Overtrading Insolvency Warning – who to get advice from? Practical ‘Absolute’ Insolvency Preferential Creditor & Other Creditors Statement of Affairs Winding up a company by a court
- [Winding up a company by a court](https://www.factoringhelpline.co.uk/business-turnaround/winding-up-a-company-by-a-court/) - In a corporate insolvency, as with an individual, a demand exceeding £750 is presented to the debtor usually by the creditor/s (*but can be by a shareholder, the DTI, the official receiver or the Bank of England) and 21 days are allowed for payment. Winding up by the court will follow if the debtor is
- [What is Administration](https://www.factoringhelpline.co.uk/business-turnaround/what-is-administration/) - What is Administration? Administration is a means of protecting the Company, and its business, while trying to sell it as a going concern. It works if you have creditors willing to let existing management continue in control. Time may be taken to restore the Company to profitability. Perhaps loss-making departments must be closed, or surplus
- [What is a Creditors Voluntary Liquidation?](https://www.factoringhelpline.co.uk/business-turnaround/what-is-a-creditors-voluntary-liquidation/) - What is a Creditors Voluntary Liquidation? Although it is possible to salvage the business, and sell it on, to all intents and purposes a Creditors’ Voluntary Liquidation (“CVL”) represents the ‘death’ of the Company. It is therefore a solution which should only be used after other possibilities have been considered and dismissed. The process starts
- [Practical 'Absolute' Insolvency](https://www.factoringhelpline.co.uk/business-turnaround/practical-absolute-insolvency/) - 'Practical insolvency' is the inability of a person or company to pay their debts as they fall due. Many businesses fall into this category: the term they (or you) would use to describe this situation is 'cash flow problems'! A business in this situation would have to take, for example, one or more of the
- [Preferential Creditor & Other Creditors](https://www.factoringhelpline.co.uk/business-turnaround/preferential-creditor-other-creditors/) - There is an order of who gets paid first where a formal act of insolvency exists: 1 Insolvency Practitioner Costs and expenses 2 Bank, lender Debenture holder with fixed charge 3 VAT, PAYE, NI, staff wages, pensions and holiday pay Preferential creditor 4 Bank, lender Debenture holder under a floating charge 5 Suppliers, utilities, unsecured
- [Statement of Affairs](https://www.factoringhelpline.co.uk/business-turnaround/statement-of-affairs/) - The Insolvency Act 1986 (updated in 2000) states that the directors of an insolvent company produce at the creditor's meeting a sworn Statement of Affairs and a list of the insolvent company's creditor's . The Statement of Affairs would actually be compiled by a suitably experienced insolvency accountant along with a report detailing the cause
- [Solvent Liquidation - Members Voluntary Liquidation](https://www.factoringhelpline.co.uk/business-turnaround/solvent-liquidation-members-voluntary-liquidation/) - Members Voluntary Liquidation The Company is a separate legal entity. This is true even where there is only one shareholder and one Director. If you decide that you no longer want to trade, what do you do to release the assets from the Company? If you can settle all outstanding debts, including any contingent debts
- [What is a compulsory Liquidation?](https://www.factoringhelpline.co.uk/business-turnaround/what-is-a-compulsory-liquidation/) - What is a compulsory Liquidation? This is a liquidation process which is dealt with through the Courts. It may be initiated by a number of parties, particularly: A Director A shareholder A creditor owed more than £750 The process starts with the serving of a Winding -Up Petition. This is usually heard in Court 6-8
- [Pre Pack Administration Process](https://www.factoringhelpline.co.uk/business-turnaround/pre-pack-administration-process/) - 1. Viability screening We provide a free telephone assessment of your financial position. From this we can assess the merits and feasibility of pre-pack administration. 2. Valuation estimate We will visit you to conduct an estimate and valuation of the company assets and undertaking. We will use this to assess the improvement that would
- [HMRC County Court Judgements](https://www.factoringhelpline.co.uk/business-turnaround/hmrc-county-court-judgements/) - What are County Court Judgements (CCJs)? County Court Judgements or CCJs are the result of any legal decision that has been handed down from a County Court, concerning a debt that is owed. If payment is not forthcoming, a company that is owed money has the right to take the case to court. The court
- [HMRC Enforcement Options](https://www.factoringhelpline.co.uk/business-turnaround/hmrc-enforcement-options/) - HMRC Enforcement Options HMRC Distraint & County Court Judgments - What they mean for you! Her Majesty's Revenue and Customs (HMRC) can take a number of enforcement methods to recover an unpaid tax debt. These include: Distraint without a court order (bailiff action): HMRC does not require a court order to visit your business premises
- [Insolvency by Overtrading](https://www.factoringhelpline.co.uk/business-turnaround/insolvency-by-overtrading/) - Introduction Many businesses have suffered insolvency through being too successful at an early stage, growing too fast at any given time, or simply over stretching the company's financial capability: hence insolvency by overtrading. Most business owners start out to build a business to some sort of plan. When you get a larger response to your
- [Insolvency Warning - who to get advice from?](https://www.factoringhelpline.co.uk/business-turnaround/insolvency-warning-who-to-get-advice-from/) - We have researched who to approach for effective insolvency advice. You need not pay any amount of money to get honest and helpful advice from a business and personal insolvency professional. A quality licensed practitioner should have YOUR needs as being paramount to the end goal - that is: your survivability as a business or individual.
- [Insolvency Practitioners & Factoring](https://www.factoringhelpline.co.uk/business-turnaround/insolvency-practitioners-factoring/) - Insolvency Practitioners & Factoring One of the main goals of an insolvency practitioner is to secure lines of fines for the immediate future to allow restructuring of the company in distress – due to the nature of the funding factoring offers, many insolvency practitioners see this as the first port of call when approaching a
- [Glossary of Terms](https://www.factoringhelpline.co.uk/business-turnaround/glossary-of-terms/) - Administration Bailiff Company Voluntary Arrangement (CVA) Compulsory Liquidation Corporation Tax County Court Judgments (CCJs) Creditors Voluntary Liquidation Distraint Her Majesty's Revenue and Customs (HMRC) Insolvency Act 1986 Section 123 Insolvency Practitioner (IP) Judgement debt Liquidation Official Receiver PAYE (Pay-As-You-Earn) Penalty interest Self Assessment Statutory Demand Summons VAT (Value Added Tax) VAT Default Surcharge Walking possession
- [Glossary of Insolvency Terms](https://www.factoringhelpline.co.uk/business-turnaround/glossary-of-insolvency-terms/) - Insolvency Terms Explained Definitions of Insolvency and Bankruptcy Terms and Expressions for England and Wales. Index Administration Order Authorised (or Licensed) Insolvency Practitioner Administrative Receiver Administrative Receivership Administrator Agricultural Receivership Associates Bankrupt Bankruptcy Order Bond Charge Charging Order Company Directors Disqualification Act (1986) Company Voluntary Arrangement Composition Compulsory Liquidation Connected Persons Contributory Court-Appointed Receiver Creditors'
- [Corporate (Company) Insolvency](https://www.factoringhelpline.co.uk/business-turnaround/corporate-company-insolvency/) - Corporate insolvency ranges from a small business, with two employees owing a few thousand pounds, to the collapse of large groups owing upwards of a billion pounds. Some of the wrong reasons are: Lack of financial management Insufficient investment capital (cash): too much credit Lack of general business skills (especially marketing skills) Poor product/service Too
- [Creditors Voluntary Liquidation](https://www.factoringhelpline.co.uk/business-turnaround/creditors-voluntary-liquidation-2/) - Contrary to what it seems: a creditors voluntary liquidation is not initiated by the creditors, but by the directors of the company who approach an insolvency practitioner with a view to winding-up the company: this being due to the directors assessment that the company is, or will be, insolvent. The relevance of 'creditors' in this
- [CVA Case Studies](https://www.factoringhelpline.co.uk/business-turnaround/cva-case-studies/) - CVA Case Studies Business Events & Conference Organisers Computer Software Company Regional Haulage Company Kitchen and Bathroom Products Distributors Personal Injury Claims Company Coach Hire Company Business Events & Conference Organisers The directors of the company came across our website and contacted us immediately for assistance with their mounting debts which included £400,000.00 of HMRC
- [Creditors Voluntary Liquidation Advice](https://www.factoringhelpline.co.uk/business-turnaround/creditors-voluntary-liquidation-advice/) - Creditors Voluntary Liquidation Looking to close down your company and stop all the pain, worry and stress? Are you worried about personal liability of the company's debts or are your creditors putting you under pressure? If the above rings true then the solution for you may be a Creditors Voluntary Liquidation. We can assist you
- [can a business loan save your company?](https://www.factoringhelpline.co.uk/business-turnaround/can-a-business-loan-save-your-company/) - Can a business loan save your company? A Company is a separate legal entity. Its shareholders and directors enjoy the benefits of limited liability, as long as the Company works within the rules. This means that personal assets are sheltered from creditors if the Company runs into problems. It is important that the Directors do
- [Company Voluntary Arrangement (CVA)](https://www.factoringhelpline.co.uk/business-turnaround/company-voluntary-arrangement-cva/) - Company Voluntary Arrangement (CVA) We have the solution that can save your company, relieve you from your overheads, employees and other costs, and help you to rebuild your profits, without you seeing all of your hard work destroyed and enduring the pain of going bust. There is a viable solution for your problem and you
- [Company Voluntary Arrangement (CVA) Process](https://www.factoringhelpline.co.uk/business-turnaround/company-voluntary-arrangement-cva-process/) - An overview of a CVA Procedure 1. We will work with the directors of a company to determine the benefits of a CVA. Should the benefits outweigh the negatives then we along with the directors will draft a proposed CVA taking into account the effect it will have for each creditor. 2. We will then introduce
- [Company Voluntary Arrangement (CVA) Advantages and Disadvantages](https://www.factoringhelpline.co.uk/business-turnaround/411-2/) - Company Voluntary Arrangement (CVA) Advantages and Disadvantages Advantages of a CVA You as a company director remain in absolute control of the day-to-day running and management of the business. The Supervisor will not is not investigate into the affairs of the company and unlike a liquidation the supervisor is not required to submit a report
- [Company Voluntary Arrangement Frequently Asked Questions](https://www.factoringhelpline.co.uk/business-turnaround/who-can-put-forward-a-company-voluntary-arrangement-cva/) - Company Voluntary Arrangement Frequently Asked Questions Who can put forward a Company Voluntary Arrangement (CVA)? What do the directors need to show? What makes a CVA viable? What is the voting system? What affect will it have on the bank? What affect will it have on HMRC? The circumstances of the company have changed and
- [Administration for Companies](https://www.factoringhelpline.co.uk/business-turnaround/administration-for-companies/) - Administration For Companies | Company Administration Administration is an appropriate course of action for companies which urgently need protection from creditors. Unlike a CVA a company can be placed into administration almost immediately by the court if the court considers that it is an appropriate and does not need the approval of your creditors. Benefits
- [Factoring in business](https://www.factoringhelpline.co.uk/factoring/1-factoring/) - Is your business growing fast? Do you need more capital to realise your business potential? Would you like to reduce pressure on your cash flow? Modern businesses are finding that invoice factoring is the answer. Factoring offers a refreshing alternative to traditional bank finance. Fast Track Delivery • Quick, easy access and response by Internet
- [What is Invoice Factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-invoice-factoring/) - For most companies, debtor balances are by far the largest asset in their balance sheets. They may also turn into cash at a much slower rate than the business would like, often representing two or three months’ sales. Factoring provides the complete answer to slow-paying customers, shortage of working capital and, if needed, protection against
- [Who can factoring help?](https://www.factoringhelpline.co.uk/factoring/who-can-factoring-help/) - Who Can We Help? Start up businesses unable to obtain banking facilities Growing businesses whose working capital facilities do not keep pace with their increase in sales Businesses wishing to acquire other businesses Businesses requiring credit control services Businesses requiring protection against bad debts Businesses exporting to new markets Unhappy with current lender and need
- [When to Factor?](https://www.factoringhelpline.co.uk/factoring/when-to-factor/) - Whilst factoring may suit any type of business at any time, there are a number of key 'Triggers' to look for which would indicate if factoring is beneficial to your business. ‘Triggers’ To Look For Turnover growing rapidly = Finance sales to reduce cashflow pressure Overdraft under pressure = Immediate release of working capital Gearing
- [What is factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-factoring/) - Factoring is the generic term used by lenders for the provision of cash, for immediate use, secured against the book debts of the Company. We have helped many clients through the minefield of lenders and their varying services and appetites to lend. We offer advisory and introductory services and due to our longstanding relationships in this
- [What is invoice discounting?](https://www.factoringhelpline.co.uk/factoring/what-is-invoice-discounting/) - Invoice Discounting is a client lead facility with funding secured against the sales ledger. You raise the invoices, handle the credit control and collect payment from your customers, with minimum involvement from the invoice discounter. Invoice Discounting enables you to release upto 90% from unpaid invoices, without having to wait to be paid by your
- [What is Asset Finance ?](https://www.factoringhelpline.co.uk/factoring/what-is-asset-finance/) - Asset finance is the term used to describe a variety of products, including HP & Leases, used to Finance the purchase of capital business assets Release cash from existing fixed assets Restructure existing finance agreements to help cash flow Most tangible fixed assets can be financed including Vehicles Buses & Coaches Cars & Vans Haulage
- [What is trade finance?](https://www.factoringhelpline.co.uk/factoring/what-is-trade-finance/) - Trade Finance is a niche product which requires expert knowledge in order to deliver a working solution. We have unrivalled expertise in this field calling on the ability of professionals who have many years experience providing facilities to trade businesses. Most brokers know a couple of niche trade finance providers and have very little knowledge
- [What is Factoring?](https://www.factoringhelpline.co.uk/factoring/what-is-factoring-2/) - Factoring is a flexible funding solution that provides cashflow for all shapes and sizes of business. Provided your company has annual sales in excess of £50,000 per annum, factoring can help your business grow. As factoring companies specialise in funding sales ledgers, it can also provide the solution to a New Start venture seeking funding
- [What is Supplier Finance?](https://www.factoringhelpline.co.uk/factoring/what-is-supplier-finance/) - Supplier finance is sometimes called ‘reverse factoring‘ or ‘supply chain finance’. It is where a business provides low-cost finance to its suppliers, particularly in manufacturing. It improves cash flow for both supplier and buyer, and reduces working capital costs in the supply chain. As with invoice financing, early payment is provided based on invoices. In
- [Why some companies choose factoring as a way of raising money ?](https://www.factoringhelpline.co.uk/factoring/why-some-companies-choose-factoring-as-a-way-of-raising-money/) - Why some companies choose factoring as a way of raising money is simple, they cannot get, nor do they want, a bank loan. Factoring offers unique possibilities and is the perfect solution for most new businesses or that may be struggling to stay afloat. Factoring is a lifesaver for many businesses that find themselves in
- [Why Choose Invoice Factoring Over Overdrafts?](https://www.factoringhelpline.co.uk/factoring/why-choose-invoice-factoring-over-overdrafts/) - Invoice factoring is a simple yet effective commercial finance solution. Businesses that make use of invoices can use invoice finance. On raising an invoice, a business can receive a cash advance of around 90 percent of the value of an invoice, even if a customer has been given 90 days to settle an invoice. Factoring
- [Why should I consider factoring?](https://www.factoringhelpline.co.uk/factoring/why-should-i-consider-factoring-2/) - Factoring (and invoice discounting, another form of invoice finance) offers most businesses the great benefit of providing cash against unpaid invoices. Due to the way that borrowed money is secured, factoring frequently allows businesses to borrow larger amounts of money compared to more traditional forms of commercial finance such as bank overdrafts. Factoring invoices allows you
- [How to Grow a Business with factoring?](https://www.factoringhelpline.co.uk/factoring/how-to-grow-a-business-with-factoring/) - A small to mid sized business which wants to expand its operations might find that while having the idea of how to go about doing so is simple enough, being able to locate the funding to pull it off can often end up being an altogether more Herculean task. Many such small or mid sized
- [How does factoring work?](https://www.factoringhelpline.co.uk/factoring/how-does-factoring-work/) - Invoice Factoring is a very simple, uncomplicated form of finance, however it is commonly one that is misunderstood. The essence of an invoice factoring agreement is as follows: When a business enters in to an invoice factoring arrangement, it assigns the sales invoices that it issues to its customers, to a finance provider. Then, within
- [The benefits of factoring](https://www.factoringhelpline.co.uk/factoring/the-benefits-of-factoring/) - Invoice factoring is a more flexible source of working capital than loans or bank overdrafts and a business is likely to accrue additional benefits, these include 1) Maximising of cash flow Invoice factoring enables a business to raise up to 90% on outstanding invoices. An overdraft secured against invoices would raise less than 50%. 2)
- [Industries that benefit for business factoring](https://www.factoringhelpline.co.uk/factoring/industries-that-benefit-for-business-factoring/) - Distribution Business for factoring Road Haulage Courier services Freight Forwarding Importers Warehousing & Storage Wholesale & Merchants Builders Merchants Electrical Wholesalers Steel Stockholders Motor Spares & Accessories Clothing, Food, Wine, Fruit & Veg, Stationary, Book, Toy, Wholesalers Equipment, Engineering, Fuel, Suppliers Wholesale Pharmacists Equipment Supplies Plumbers Merchants Paint Suppliers Industrial /Safety Supplies Packaging Materials Agricultural Merchants
- [Questions to ask when talking to factoring companies?](https://www.factoringhelpline.co.uk/factoring/questions-to-ask-when-talking-to-factoring-companies/) - There are numerous questions to ask How quickly does the factor collect debts? What are their procedures in detail and do they suit you? Do you have online access to your facility? What other charges/disbursements are payable? By whom and where is your account to be handled? Does the factor have experience of your industry?
- [Invoice Factoring](https://www.factoringhelpline.co.uk/factoring/invoice-factoring-3/) - Imagine if all your customers paid you tomorrow. What difference would that make to your business? Invoice Factoring advances up to 90% of your outstanding invoices the day after your raise them. Giving you cash to pay suppliers promptly and invest in your business growth. Invoice factoring is a service to help owner-managed businesses and we
- [What Can Invoice Finance Companies do for my Business?](https://www.factoringhelpline.co.uk/factoring/what-can-invoice-finance-companies-do-for-my-business/) - An invoice finance company provides businesses with a facility that can turn invoices into readily available cash flow that removes the need for waiting on payment. Having cash flow that is tied up in invoices for anything up to 60 days can be difficult for any business, especially one that is just starting out. Credit
- [The Difference between Invoice Discounting and Factoring](https://www.factoringhelpline.co.uk/factoring/the-difference-between-invoice-discounting-and-factoring/) - Both invoice discounting and factoring are ways to enable businesses to release funds tied up in unpaid invoices. While there are many similarities, there are also distinct differences. In both cases, a third party company advances money against outstanding debts or balances. However, the role the third company plays is the major distinction between the
- [Invoice Financing Tips and Advice](https://www.factoringhelpline.co.uk/factoring/invoice-financing-tips-and-advice/) - Many business related activities or services carry with them their own set of jargon, which can be both baffling and essentially incomprehensible to those on the outside. The world of invoice financing is no different to the norm. Fortunately, neither the use of invoice financing nor its terminology is really all that complicated once it
- [How to Finance Your Business with factoring](https://www.factoringhelpline.co.uk/factoring/how-to-finance-your-business-with-factoring/) - Small-to-medium sized companies have always found it difficult financing for their business. The problem is most small businesses never have enough capital or cash flow to keep their business moving in an upward motion. In the current economic downturn, more and more small businesses are struggling. Lenders are hesitant to give out funds to what
- [Structuring an Invoice Factoring Transaction](https://www.factoringhelpline.co.uk/factoring/structuring-an-invoice-factoring-transaction/) - Companies looking to improve cash flow outside of the normal 30-to-60 day net pay should, perhaps, look into invoice financing. Invoice factoring allows a company the ability to cover all of their expenses by advancing them funds due to slow-paying customers. Factoring transactions are structured from factoring companies purchasing invoices from other companies. An advance
- [Invoice factoring](https://www.factoringhelpline.co.uk/factoring/invoice-factoring-2/) - What is invoice factoring? For many companies their sales invoices are the largest asset in their balance sheet. If you run your own business you may be aware that invoices get converted into cash at a slow rate, often presenting 2 or 3 months' worth of sales. When you are experiencing this type of situation
- [Factoring for Recurring Agreements](https://www.factoringhelpline.co.uk/factoring/factoring-for-recurring-agreements/) - If you need the flexibility of invoice discounting over a period of time, rather than as a one-off single invoice discounting service, we can source your business recurring invoice discounting facility. Benefits of Recurring Invoice Discounting Recurring invoice discounting can offer a long-term solution to your cashflow problems. Many factoring providers offers a range of invoice discounting
- [Factoring has become one of the leading forms of business funding](https://www.factoringhelpline.co.uk/factoring/factoring-has-become-one-of-the-leading-forms-of-business-funding/) - Factoring Service Factoring has become one of the leading forms of business funding, due to the decline of the traditional bank overdraft facility. A factoring service can provide a complete credit control service, combining funding with sales ledger control and administration, without damaging the goodwill you have developed with your customers. Additional services can be
- [Fundamental tips applicable to all factoring facilities](https://www.factoringhelpline.co.uk/factoring/fundamental-tips-applicable-to-all-factoring-facilities/) - 1. Understanding what facilities are available. For example do you require bad debt protection, confidentiality, or credit collection services? 2. How much cash does the facility raise? The effective level of funding is affected by a number of criteria set by the factoring company such as concentration levels, age of debt and funding limits. Beware
- [Glossary of invoice finance terms](https://www.factoringhelpline.co.uk/factoring/glossary-of-invoice-finance-terms/) - Account Debtor - The customer of a factor's client. The company that owes the money due on the invoices, also known as the customer. Accounts Receivable - an amount owed by an account debtor by the act of giving short term unsecured credit in lieu of cash for goods or services. A liquid asset on
- [Factoring Puts Cashflow Back Into Businesses](https://www.factoringhelpline.co.uk/factoring/factoring-puts-cashflow-back-into-businesses/) - Companies that are looking for extra ways to improve their cashflow have quite a few options to consider. They do not, however, usually include borrowing money from banks or commercial institution where repayment penalties are high. Many business owners consider factoring to be the best financial solution for their new or existing companies. This is
- [Factoring Explained](https://www.factoringhelpline.co.uk/factoring/factoring-explained-2/) - Factoring provides your business with cash, by allowing you to raise finance from the unpaid invoices owed to you. For many businesses, outstanding sales invoices are their largest asset with up to one quarter of a business's overall yearly turnover remaining unpaid at any one time. This "locked up" cash can greatly impact the growth
- [Introduction to factoring](https://www.factoringhelpline.co.uk/factoring/introduction-to-factoring/) - Business Owner? Would you like a large and quick boost to your cash flow? Are you worried about or short of working capital? Would you like to receive your money from outstanding invoices before they have been paid? Would you like to reduce the time you spend on credit control? What can factoring do for
- [Benefits of Invoice Financing](https://www.factoringhelpline.co.uk/factoring/benefits-of-invoice-financing-2/) - By releasing cash as soon as invoices are raised enables you to pay suppliers on time, you become a good customer that may lead you to be able to negotiate more favourable prices and better credit terms from the supplier. In some instances the cost of factoring your receivables is less than the volume discounts
- [Why should I consider factoring?](https://www.factoringhelpline.co.uk/factoring/why-should-i-consider-factoring/) - Factoring (and invoice discounting, another form of invoice finance) offers most businesses the great benefit of providing cash against unpaid invoices. Due to the way that borrowed money is secured, factoring frequently allows businesses to borrow larger amounts of money compared to more traditional forms of commercial finance such as bank overdrafts. Factoring invoices allows you
- [A good commercial finance deal? Don't bank on it!](https://www.factoringhelpline.co.uk/general-business-advice/a-good-commercial-finance-deal-dont-bank-on-it/) - At some point most businesses will need extra cash perhaps to buy new premises or to buy new plant and equipment. In addition many expanding businesses find that they are exhausting their working capital funding additional stock, work in progress and debtors. For most business owners or financial directors, the first “port of call” to
- [Export Factoring and how it works](https://www.factoringhelpline.co.uk/factoring/export-factoring-and-how-it-works/) - Export factoring, also known as cross-border factoring, is a process used by exporting companies to convert credit sales into cash. It can be used in any country that has laws that support the buying and selling of receivables. A third party, usually a large international bank or specialised financial firm, buys the foreign account receivables
- [Common questions asked by some customers on factoring?](https://www.factoringhelpline.co.uk/factoring/common-questions-asked-by-some-customers-on-factoring/) - “Isn’t Invoice Finance Expensive?” “Will it upset my customers?” The cost of borrowing compares with an overdraft and may be cheaper. Invoice finance companies act as collection agents for businesses for all sizes. It will be unusual if your customers does not already pay several invoice finance companies already. A typical service charge is in
- [Changing Factor/ Invoice Discounter?](https://www.factoringhelpline.co.uk/factoring/changing-factor-invoice-discounter/) - If you think you're paying too much for your factoring facility visit get quotes and discover what other funders offer. Quotes are instant, and without obligation. You'll be asked simple questions relating to your business, quotes will then be presented from suitable funders, which you can approach or not approach as you wish. They'll be
- [Cashflow problems? A factoring facility may help!](https://www.factoringhelpline.co.uk/factoring/cashflow-problems-a-factoring-facility-may-help/) - Factoring Factoring and Invoice discounting have become one of the leading forms of business funding, due to the decline of the traditional bank overdraft facility. Factoring can provide a complete service, combining funding with sales ledger control and administration, without damaging the goodwill you have developed with your customers. Additional services can be added, including
- [Business Turnaround](https://www.factoringhelpline.co.uk/factoring/business-turnaround/) - If your business runs into financial difficulty it doesn’t have to mean “throwing in the towel” and turning your back on years of hard work and effort. What may appear to be overwhelming current problems don’t have to result in a bleak future. In fact, you could end up with a stronger business, more capable
- [Bridging the gap between customers settling invoices and payments being made](https://www.factoringhelpline.co.uk/factoring/bridging-the-gap-between-customers-settling-invoices-and-payments-being-made/) - Factoring Bridging the gap between customers settling invoices and payments being made to suppliers has caused problems to business for many years. Extending credit is an essential part of any business, but in order to grow a business and make cash flow more stable, invoice finance is an essential tool. Tandem Invoice Finance offers a
- [Benefits of Invoice Financing](https://www.factoringhelpline.co.uk/factoring/benefits-of-invoice-financing/) - By releasing cash as soon as invoices are raised enables you to pay suppliers on time, you become a good customer that may lead you to be able to negotiate more favourable prices and better credit terms from the supplier. In some instances the cost of factoring your receivables is less than the volume discounts
- [What is invoice discounting?](https://www.factoringhelpline.co.uk/invoice-discounting/what-is-invoice-discounting/) - Invoice discounting is type of factoring that allows you to receive advances of funds against outstanding sales invoices. Some specialist UK invoice discounting brokers can set up a plan for you including paying you up to 90% of the value of your invoices in 24 hours of them being raised. You can normally access invoice
- [Types of Invoice Discounting Explained](https://www.factoringhelpline.co.uk/invoice-discounting/types-of-invoice-discounting-explained/) - Invoice discounting works by releasing cash from your invoices through a third party provider. It is similar to factoring but no credit management services are provided, meaning that you will need to collect your own outstanding invoices. There are four types of invoice discounting. The first is confidential invoice discounting, where there is no disclosure
- [Invoice discounting explained](https://www.factoringhelpline.co.uk/invoice-discounting/invoice-discounting-explained/) - Although invoice discounting is very similar to invoice factoring it has a major difference. Whereas with invoice factoring, you give control of your debt book to the invoice factoring agency; with invoice discounting you retain control of your debt book. It is primarily useful for profitable businesses to leverage the value of their debt book
- [How does Invoice discounting work?](https://www.factoringhelpline.co.uk/invoice-discounting/how-does-invoice-discounting-work/) - What is invoice discounting? Invoice discounting is another form of factoring that allows you to receive advances of funds against outstanding sales invoices. As a specialist UK invoice discounting broker, we can arrange deals to suit you including paying up to 90% of the value of your invoices within 24 hours of raising them. Funds
- [About us Factoring](https://www.factoringhelpline.co.uk/company-info/about-us-factoring/) - Welcome to The UK Factoring & Invoice Factoring Helpline, the leading independent specialist for cashflow and working capital facilities for UK based businesses. We are committed to providing a professional service of the highest standard ensuring that you benefit from the best factoring/invoice discounting solution for your business. The UK Factoring & Invoice Factoring Helpline
- [Changing Factoring Company](https://www.factoringhelpline.co.uk/changing-factoring-company/)
- [Industry Specific Finance](https://www.factoringhelpline.co.uk/industry-specific-finance/)
- [Privacy Policy](https://www.factoringhelpline.co.uk/company-info/privacy-policy/)
- [Terms and Conditions](https://www.factoringhelpline.co.uk/company-info/terms-and-conditions/)
- [Trade Finance](https://www.factoringhelpline.co.uk/trade-finance/) - Trade finance is available for the importers of finished goods into the UK. A wide range of goods can be funded with the general exception of perishable and toxic goods. It will invariably be linked to a factoring or invoice discounting facility. The funding is made available to help those companies with confirmed orders or
- [Home](https://www.factoringhelpline.co.uk/home/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487931176487{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_spacer height=”50″][ultimate_heading main_heading=”ADVICE AND SOLUTIONS ON FACTORING AND BUSINESS CASHFLOW MANAGEMENT” main_heading_color=”#26e8ff” heading_tag=”h1″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” el_class=”second-section” margin_design_tab_text=””][/ultimate_heading][vc_column_text css=”.vc_custom_1489055067158{margin-top: 35px !important;}”]At The UK Factoring & Invoice Discounting Helpline we understand the impact that poor cashflow can have on you and
- [Guide to selling a business](https://www.factoringhelpline.co.uk/articles/guide-to-selling-a-business/) - Why sell a business? tempting offer retirement succession issues shareholder conflict access to resources of a larger group When is the best to time to sell? Choosing the right time to sell your business is crucial. Don’t wait for an offer – choose your own timing and keep control of the sale process. We can
- [Guide to buying a business](https://www.factoringhelpline.co.uk/articles/guide-to-buying-a-business/) - Why buy a business? a route to new products/markets commercial opportunity Management buy-out need to expand geographically surplus cash on the balance sheet over-capacity / high fixed costs more product lines needed lack of critical mass The search and acquisition process This can take a number of different routes: reactive or proactive confidential or direct
- [Selling your business](https://www.factoringhelpline.co.uk/articles/selling-your-business/) - Anyone who has built a successful business from scratch should feel justifiably proud of their achievements. So when the time comes to move on from the enterprise, either through retirement, because you want to free up time to start another venture or because you want to take life a little easier - it’s only natural
- [Printer company](https://www.factoringhelpline.co.uk/factoring-case-study/printer-company/) - This particular client was unhappy with their current lender and decided to look for other alternatives. The problem: The current factor was unhappy with the Company’s performance and started to reduce prepayments and threatened to disclose their confidential facility. The solution: We contacted the director who was keen to retain confidentiality and was adamant that the business
- [Haulier company](https://www.factoringhelpline.co.uk/factoring-case-study/haulier-company/) - The business was looking for funding for a project planned to occur 12 to 18 months in the future. The problem: Confidentiality was key and neither their advisors nor the business had any prior knowledge of the Factoring and Discounting market. The solution: We were approached by the client’s accountant and quickly established the most efficient
- [Construction company](https://www.factoringhelpline.co.uk/factoring-case-study/construction-company/) - The director had previously run a multimillion pound ground working Company. Due to the collapse in public sector contracts work dried up and the business was liquidated in 2008. The problem: In 2011 the Director started up again and quickly found that they were turning away work as they could not fund the growth through
- [Hydraulic service and repair](https://www.factoringhelpline.co.uk/factoring-case-study/hydraulic-service-and-repair/) - Our client a sole trader provides an emergency hydraulic hose repair and replacement to the construction and engineering sectors, achieving a turnover of c£100,000. The problem: Our client spends most of his time on the road travelling between customers providing an emergency call out service. Being a sole trader, his outstanding account debtors were not
- [Manufacturing company](https://www.factoringhelpline.co.uk/factoring-case-study/manufacturing-company/) - Company X manufactures quality UPVC products to the construction industry and had a turnover in excess of £9m per annum and very profitable. The directors appointed a Chairman who was introduced by their accountant, to invest in the business and assist growth. The problem: After 18 months the business started to have cash-flow problems and
- [Electrical goods importer](https://www.factoringhelpline.co.uk/factoring-case-study/electrical-goods-importer/) - Our client, an electrical goods wholesaler, sources electrical goods, kettles, toasters etc. from the Far East, customers include well known national high street retailers as well as small independent retailers. The problem: As the business was growing rapidly, cash flow became very tight as the order book grew and more stock needed to be purchased
- [Mergers](https://www.factoringhelpline.co.uk/business-finance/mergers/) - An acquisition or a merger could be the way quickest way to grow your business and at the same time, increase your market share and reduce competition. Unlike an acquisition when you take over another business and take full control of it, a merger means the businesses are integrated and control is then shared with
- [Life Insurance](https://www.factoringhelpline.co.uk/business-finance/life-insurance/) - You have set up your business and it's going from strength to strength. It is your business and your business depends on you. However, what are the implications if you unable to work due to ill health or accident...or worse? In the event of your death, if your company has any liabilities or expenses to
- [Insurance](https://www.factoringhelpline.co.uk/business-finance/insurance/) - Many commercial insurance policies will allow you to reduce or increase the amount of cover as the needs of your business change. However, if you are developing your business, you may find that it is the ideal time to review your insurance cover - you may be able to save money. It may also be
- [Critical Illness Insurance](https://www.factoringhelpline.co.uk/business-finance/critical-illness-insurance/) - If you are buying a business or franchise, as well as ensuring that you have sufficient life insurance in place, it is also a very good idea to have protection against loss of income due to long-term or terminal ill health, accident or disability. There are a number of companies offering a range of specialist
- [Venture Capital](https://www.factoringhelpline.co.uk/business-finance/venture-capital/) - Venture capital funds (also known as private equity finance) are for large organisations in need of a longer-term investment to help growth and expansion. Venture capital funds are only interested in organisations with good, strong management and which operate within a large and fast-expanding market. In return for a significant injection of cash (the minimum
- [Company Taxation](https://www.factoringhelpline.co.uk/business-finance/company-taxation/) - Always ensure that you are compiling proper records of all expense and receipt information of any costs your company incurs - this means that some of the money you spend you can claim back in capital allowances for certain types of company expense at the end of the tax year. To discover whether your new
- [Employing Staff](https://www.factoringhelpline.co.uk/business-finance/employing-staff/) - When setting up your own company, if you are thinking of employing staff, there will be, as an employer a number of things you have to consider. In fact, if you fail to follow the correct procedures you may incur penalties. For example, male and female employees doing the same or similar job should be
- [Secured Loans](https://www.factoringhelpline.co.uk/business-finance/secured-loans/) - Secured business loans allow borrowing while offsetting some of the risk against the value of an asset. Many lenders will secure loans against a number of assets, such as property, land, equipment, unpaid invoices and sometimes the `good will' of your business. Nowadays there are many secured loans available with different flexible repayment terms. Most
- [Registering for VAT](https://www.factoringhelpline.co.uk/business-finance/registering-for-vat/) - You must register for VAT if your taxable turnover during the last 12 months is above the VAT registration threshold or if your taxable turnover is likely to exceed the threshold within the next 30 days alone. Taxable turnover is not just the profit made by your business but includes all the money going through
- [Operating Lease](https://www.factoringhelpline.co.uk/business-finance/operating-lease/) - An operating lease could be the most appropriate type of asset finance for you if you only need to use an asset (such as equipment or machinery) for a short space of time. As with finance leasing, you do not ever actually own the equipment. Often the type of equipment funded by an operating lease
- [How to Start a Business](https://www.factoringhelpline.co.uk/business-finance/how-to-start-a-business/) - Once you are confident in the power of your business idea, you need to get to grips with constructing a business plan that a financial sponsor - for example, a bank - has confidence in, not to mention yourself. Taking professional expert advice at an early stage is a very good idea as a basic
- [Hire Purchase](https://www.factoringhelpline.co.uk/business-finance/hire-purchase/) - If you would like to ultimately own an asset but do not want to buy it outright immediately, a hire purchase agreement might be the best option for you although this type of agreement is more often used for personal rather than business purchases. This enables you to take advantage of paying in installments and
- [Finance Leasing](https://www.factoringhelpline.co.uk/business-finance/finance-leasing/) - If you need to acquire a business asset with the intention of long term use but do not wish make an outright purchase, you could do so using finance leasing. Under the terms of finance leasing, you pay the full value of the equipment, plus hire charges however you will not legally own the rights
- [Contract Hire](https://www.factoringhelpline.co.uk/business-finance/contract-hire/) - If you are looking to run cars or vans for business, a contract hire agreement may be the best way to do it. You effectively lease the vehicles from the leasing company while they will often take on all responsibility for administration, servicing and maintenance, and they retain ownership of the vehicles so you do
- [Commercial Mortgages](https://www.factoringhelpline.co.uk/business-finance/commercial-mortgages/) - If your business needs an office or a retail outlet, you can find most available commercial property advertised through estate agents in local papers. It may be worth checking to see if there are any schemes or grants offered to encourage business into traditional deprived areas - often called Enterprise Zones - in an area
- [Surviving the Cash Flow Crisis: the Role of Selective Invoice Financing](https://www.factoringhelpline.co.uk/articles/surviving-the-cash-flow-crisis-the-role-of-selective-invoice-financing/) - Small businesses are facing increasingly difficult times as banks continue to refuse numerous overdraft and small business loan applications every day. With a double dip recession still looming, small and medium-sized enterprises (SMEs) have found it increasingly hard to access funding from conventional sources. For SMEs, managing cash flow efficiently and effectively remains a constant
- [Client in the care home sector](https://www.factoringhelpline.co.uk/testimonials-2/client-in-the-care-home-sector/) - I thought I would drop you a quick line to say how impressed I have been with the services of the team. I have been able to discuss several potential enquiries with you over the last few months and I have found you to be incredibly prompt in replying to the initial requests and with a
- [Client in temp staffing sector](https://www.factoringhelpline.co.uk/testimonials-2/client-in-temp-staffing-sector/) - I am writing to convey my appreciative thanks for the efficient and carefully managed service that the team has provided me with to date. I am one of a group of highly skilled professionals who offer and provide an expert independent social work service to family courts at all levels, to local authorities and to
- [Client in the IT Services sector](https://www.factoringhelpline.co.uk/testimonials-2/client-in-the-it-services-sector/) - The team have been exceptionally helpful and professional. After introducing us to several lender they helpled us pick an innovative invoice discounting product and approach to business finance which has helped our business grow and develop without the restraint of money locked in invoices. We would recommend the team and their enormous list of funders to anyone in
- [Client in the Management Training Sector](https://www.factoringhelpline.co.uk/testimonials-2/client-in-the-management-training-sector/) - In the time that I have dealt with the team, I have been really impressed by their professionalism and flexibility. I needed a solution that understood the requirements of my business, allowed me to choose which invoices I financed and gave me a prompt, personal service.....I have had all of the above from the carefully
- [Client in the export business](https://www.factoringhelpline.co.uk/testimonials-2/client-in-the-export-business/) - We consider ourselves very fortunate to have been introduced to the team recently. We won a large overseas contract and assumed our bank would support us when we most needed financial assistance to maintain sufficient cash flow through the process of manufacturing and procuring goods to supply this contract successfully. Our bank decided they were unable
- [Introducer from the accountancy profession](https://www.factoringhelpline.co.uk/testimonials-2/introducer-from-the-accountancy-profession/) - It has been a pleasure to work with you and the Team; in particular we have been extremely impressed with your open, professional and positive approach to conducting business. It is unusual to come across a finance company that has a willingness and determination to find a way to accept business in the way that
- [Client in the Advertising Sector](https://www.factoringhelpline.co.uk/testimonials-2/client-in-the-advertising-sector/) - We where introduced to the team by our accountants. We are a start up advertising agency and have been trading for 7 months now, our problem was how to manage our short term cash flow issues, while waiting for our clients to pay. What the team was able to offer us via a carefully selected funder
- [Client in the Construction Sector](https://www.factoringhelpline.co.uk/testimonials-2/client-in-the-construction-sector/) - I would to thank you for your prompt and efficient selective invoice finance service which is and is being extremely helpful to our business. It is a pleasure to finally find someone who actually does what they say on the day they say, simple procedures, very professional and a pleasure to do business with you. Thank
- [Client in the Domiciliary Care Services Industrytest](https://www.factoringhelpline.co.uk/testimonials-2/client-in-the-domiciliary-care-services-industrytest/) - The client provides a domiciliary care provision for the elderly. In light of a new government directive to integrate care services between NHS trusts and local authorities, the client has seen a sudden rise in the number of service user referrals. In addition to the rise in workload, the client increasingly has to respond to
- [Client in the security services sector](https://www.factoringhelpline.co.uk/testimonials-2/client-in-the-security-services-sector/) - This client works in the security sector providing services from festival security strategies, to protection of celebrities, to supplying resources to local venues. The company is growing and has large numbers of staff working on temporary contracts who expect to be paid weekly or on completion of the job. This cash flow problem is typical
- [Invoice finance quotes](https://www.factoringhelpline.co.uk/invoice-finance/invoice-finance-quotes/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928472851{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Invoice finance quotes” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section” margin_design_tab_text=””][/ultimate_heading][vc_column_text css=”.vc_custom_1489066587465{margin-top: 35px !important;}”]If you’re looking for invoice finance quotes to keep your business cashflow constant and to provide peace of mind that you can pay staff on time and
- [Common questions asked about Invoice Finance funding](https://www.factoringhelpline.co.uk/invoice-finance/common-questions-asked-about-invoice-finance-funding/) - [vc_row full_width=”stretch_row” enable_overlay=”enable_overlay_value” overlay_color=”rgba(227,252,255,0.95)” css=”.vc_custom_1487928472851{padding-top: 5% !important;padding-bottom: 5% !important;}” el_class=”vcr_row”][vc_column width=”2/3″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-8 vc_col-md-12″][ultimate_heading main_heading=”Common questions asked about Invoice Finance funding” heading_tag=”h4″ sub_heading_color=”#2f3436″ alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:24px;” el_class=”second-section” margin_design_tab_text=””][/ultimate_heading][vc_column_text css=”.vc_custom_1488794499298{margin-top: 35px !important;}”]The following questions dispel some of the common myths surrounding invoice finance funding. Will my customers think my business is in difficulties if
- [Writing a business plan](https://www.factoringhelpline.co.uk/articles/writing-a-business-plan/) - Preparation of a workable business plan is one of the most important tasks facing both new and existing business owners. Whether the business is a start up or has been operating for some time, a comprehensive business plan sets out the short, medium and long-term goals and objectives of the business and describes a strategy
- [Writing a business plan to raise finance](https://www.factoringhelpline.co.uk/articles/writing-a-business-plan-to-raise-finance/) - A comprehensive business plan is an essential tool when looking to raising finance from banks and commercial lenders. However, many business owners and managers fail to understand exactly what lenders look for in the business plan before approving a loan application. Banks and other commercial lenders are risk adverse. In other words, lenders are naturally
- [How to finance a franchise](https://www.factoringhelpline.co.uk/articles/how-to-finance-a-franchise/) - Taking up a franchise is becoming an increasingly popular way to start a business. Research has shown that successful franchises have a much lower failure rate than other start up options and, in most cases, the business model being purchased has already been tried and tested. However, with the average initial cost of starting a
- [Factoring case study](https://www.factoringhelpline.co.uk/factoring-case-study/) - Background Our client a training and consultancy business with a mixed client base some of which were notoriously late payers. Problem/Opportunity Our client had already ascertained that factoring would help improve the business cashflow and assist with reinvestment and expansion. However their bank had declined their application for a factoring service at the last minute
- [Why use a full service Business Finance Broker](https://www.factoringhelpline.co.uk/articles/why-use-a-full-service-business-finance-broker/) - Of course we're biased but we believe there are some compelling business reasons for using the services of a Business Finance Broker. Save your time Package and present the applications on your behalf Prepare multiple applications from one briefing with you Negotiate with lenders to get the deal that is right for you Keep on
- [Why lenders say yes](https://www.factoringhelpline.co.uk/articles/why-lenders-say-yes/) - In this article we look at why other banks and/or financial institutions sometimes approve your finance application even when you've been rejected by your own bank. The financial industry is now much more competitive than it was 20,10 or even 5 years ago. Therefore it can pay to shop around when you are in the
- [Is your bank manager holding your business back?](https://www.factoringhelpline.co.uk/articles/is-your-bank-manager-holding-your-business-back/) - Up and down the country a number of small businesses are being prevented from growing due to a lack of support from their bank managers. In this article we identify how to spot when your bank manager may be holding you back and suggest steps you can take to break free. Do you experience any
- [How competition can change decisions](https://www.factoringhelpline.co.uk/articles/how-competition-can-change-decisions/) - Banks know that the majority of their customers stay with them for long periods and are loathe to swap banks due to the hassle factor. Sometimes this can lead to complacency when it comes to applications which are 50/50. One of our clients was initially rejected for funding from his high street bank business manager.
- [Use feedback to successfully raise finance](https://www.factoringhelpline.co.uk/articles/use-feedback-to-successfully-raise-finance/) - Every athlete knows that in order to improve there has to be feedback.... it's the same with raising finance. If you are rejected you really need to understand why and whether or not there is anything you can do in the short term to change the decision. What was positive about the proposal? Ask: "what
- [Could it be time to change your bank?](https://www.factoringhelpline.co.uk/articles/could-it-be-time-to-change-your-bank/) - Sometimes the only way to improve your relationship with your bank is to leave. Clearly this is a decision not to be taken lightly. In this section we highlight some of the benefits and disbenefits of saying goodbye to your bank. Questions to ask Does your manager constantly refuse you extra finance? Is he/she unable
- [A Guide to Collaborating to Grow Your Business](https://www.factoringhelpline.co.uk/general-business-advice/a-guide-to-collaborating-to-grow-your-business/) - Collaboration in business is nothing new. Marketing is the obvious way to collaborate with a cooperative model already in place in all kinds of media advertising, but there are many more ways to reduce business costs or increase profits by working with other businesses. In most cases, there are profits and reduced costs available when
- [The Biggest SME Financial Challenges (& How to Overcome Them)](https://www.factoringhelpline.co.uk/general-business-advice/the-biggest-sme-financial-challenges-how-to-overcome-them/) - A few handy pointers on the finances of running a small business As a business owner you’ll know all too well the steep financial demands of running a small business in a difficult environment, such as financing business loans or securing business cash advances. We’ve recently looked to the what the main concerns for small
- [Three Great Ways to Finance Growth](https://www.factoringhelpline.co.uk/general-business-advice/three-great-ways-to-finance-growth/) - Growth is a business term thrown around a lot, but not everyone appreciates its importance. If a hairdresser has enough appointments to stay in business, why grow? Although without something growing they’d have nothing to cut, but seriously, why would a hairdresser need to have more appointments than manageable? The answer is scalability. When times
- [Business Refurbishment: How to Triumph from Start to Finish](https://www.factoringhelpline.co.uk/general-business-advice/business-refurbishment-how-to-triumph-from-start-to-finish/) - In some sectors, image is everything...and we’re not talking fashion or fragrance. First impressions count in hotels, restaurants, bars and beauty salons and the way the premises look can determine whether customers come back for more or turn on their heels. Refurbishing a new or existing business is an exhausting but exciting project. It’s like
- [Innovative Lending for Small Businesses](https://www.factoringhelpline.co.uk/general-business-advice/innovative-lending-for-small-businesses/) - Today’s economic climate can look a little bleak to the untrained eye. Lenders throughout the UK have downscaled or are no longer able to help applicants and potential borrowers are increasingly struggling to secure the money they need. But there are opportunities out there to secure small business finance….you just need to know where to
- [The Trials & Tribulations of Late Payers](https://www.factoringhelpline.co.uk/general-business-advice/the-trials-tribulations-of-late-payers/) - We all know healthy cash flow is the life blood of any business. Cash flow has been named as one of the single most important factors in avoiding business failure. The results from recent research has have highlighted that small to medium business in particular are struggling to get payments both from their clients and customers,
- [Credit Where Credit’s Due – Invest to Grow Your Business](https://www.factoringhelpline.co.uk/general-business-advice/credit-where-credits-due-invest-to-grow-your-business/) - Businesses rarely exist without experiencing some form of debt. And that’s not a bad thing. From the bond issuance of multinationals to the overdraft’s of sole traders, businesses at all levels will often be required to take on debt to finance their ambition or operations, and this is no less true for SMEs. So does
- [Where is the Smart SME Marketing Spend?](https://www.factoringhelpline.co.uk/general-business-advice/where-is-the-smart-sme-marketing-spend/) - The internet has done for SME marketing strategy what business cash advances have achieved for small business finance; it has opened up previously unavailable options. Social media, Google keywords and viral video are low cost, high return techniques that allow smaller companies to grab as much attention as the big boys. And they don’t need a
- [Commercial Loans Delivered through Various Providers](https://www.factoringhelpline.co.uk/general-business-advice/commercial-loans-delivered-through-various-providers/) - Commercial loan refinance, similar to home loan refinancing, offers several benefits to the client. Quite a few of these can be receiving a lower apr, taking out value from the asset, or simply pairing financial debt. It is essential to take into consideration the positive and negative elements to make sure the final circumstance will
- [Advertising Do's and Don'ts](https://www.factoringhelpline.co.uk/general-business-advice/advertising-dos-and-donts/) - For every company and company owner in this world there is an advertising approach each one thinks is the right one for their company and the promotional advertising done there. It's okay to have unusual ideas but there are some things that should be done and others that shouldn't be done that are universal to
- [General Business Advice](https://www.factoringhelpline.co.uk/general-business-advice/)
- [The importance of management accounts.](https://www.factoringhelpline.co.uk/offering-credit-to-customers/the-importance-of-management-accounts/) - Are there benefits to producing management accounts other than satisfying financial institutions such as factoring and invoice discounting companies. For many small and medium sized enterprises the production of management accounts is seen as onerous, unnecessary and non-productive. There does not appear to be a major benefit. Our accountants produce the annual accounts once a
- [The Monthly Statement in Credit Control](https://www.factoringhelpline.co.uk/offering-credit-to-customers/the-monthly-statement-in-credit-control/) - The purpose of a Monthly Statement is to: a) inform the customer of the current standing of the account b) provide the customer with a clear and concise report of the previous months transactions Note: It is optional whether you choose to list all transactions during the month (being, those outstanding and those paid) or
- [The Invoice in Credit Control](https://www.factoringhelpline.co.uk/offering-credit-to-customers/the-invoice-in-credit-control/) - The Invoice In my humble opinion, an invoice is not a marketing tool (although it does reflect a lot about you). Your invoice should be easy to read, with clear instructions as to who has sent the invoice, to whom, for what, how much, how to respond, and when to respond by. Your invoice should
- [Things to do before credit is offered to customers.](https://www.factoringhelpline.co.uk/offering-credit-to-customers/things-to-do-before-credit-is-offered-to-customers/) - Customer Accounts When a new credit account is opened, or further credit is provided to an existing customer, Credit Control must play an integral role in the authorization and recording of the transaction. You could further explain the word 'authorize' as "to confirm the sale is within the company's credit management standard and within the
- [In house credit team guidance](https://www.factoringhelpline.co.uk/offering-credit-to-customers/in-house-credit-team-guidance/) - Staff Needs and Standards Where do you get credit staff? You may have an existing employee who has worked for you for many years, who knows all your customers, and has no trouble getting your invoices paid on time. This is a common scenario in many companies. What will happen when this capable employee leaves
- [Checking a customer credit - internally](https://www.factoringhelpline.co.uk/offering-credit-to-customers/checking-a-customer-credit-internally/) - Customer Assessment How do you give yourself the advantage in a credit relationship? The answer: take a bank reference take trade references – try for recognized names seek independent references ask how the customer came to know about you obtain a credit reference report obtain published company accounts assess financial ratios if possible visit the
- [How much credit should you offer customers?](https://www.factoringhelpline.co.uk/offering-credit-to-customers/how-much-credit-should-you-offer-customers/) - Credit Policy Standards & Procedure Industry Needs and Standards You need to know how and why credit is used in your industry. Does your industry need 60 days credit to complete the cash cycle being: your customer buys goods from you (to fill an order placed by their customer), they then produce those goods within
- [Controlling business credit](https://www.factoringhelpline.co.uk/offering-credit-to-customers/controlling-business-credit/) - When do you first think of Credit Management? A lot of businesses start thinking of Credit Management when their customers stop paying! When the customer stops paying this is called Debt Management. So, what's the difference! Credit Management, in broad but essential terms, is sound sales, backed by effective and efficient revenue collection resulting in
- [Why have a credit policy?](https://www.factoringhelpline.co.uk/offering-credit-to-customers/why-have-a-credit-policy/) - A Credit Policy exists, and is known, understood and accepted by all. Your Credit Policy should be an accessible document, resembling an induction manual, which gives ‘step by step’ instruction for the processing of credit applications. This need not be a large document that details every procedure in minute detail (ideal if you can), but
- [Deciding on a credit policy](https://www.factoringhelpline.co.uk/offering-credit-to-customers/deciding-on-a-credit-policy/) - The purpose of a credit policy is to ensure that everyone within a company understands the working procedure of credit sales, and, of course, to exhibit financial control over a contentious subject. The following policy has not been written with any business/industry/country in particular, as such, it can only be used as information and not
- [Offering Credit to Customers](https://www.factoringhelpline.co.uk/offering-credit-to-customers/) - A Working Credit Policy for Business Credit The Rules of Credit An Overview of Credit Policy Industry Needs and Standards Company Needs and Standards Staff Needs and Standards How to Assess a Credit Application Credit Application Form Bank Reference Trade References Independent References Source of Enquiry Credit Reference Report Published Company Accounts Company House Reports

## Theme Setting

- [General Settings](https://www.factoringhelpline.co.uk/theme-setting/general-settings/)