Debtor Finance

A GROWING BUSINESS NEEDS FLEXIBLE FINANCE

Many expanding businesses find they are unable to reach their full potential when working capital facilities do not expand in line with increased sales.

As your business grows the “cash-gap” widens between you paying your suppliers and your customers paying you.
New customers and orders may have to be turned away as existing facilities are unable to keep pace with demand.
Debtor finance is one method of overcoming these problems. It allows the business to expand, by using the assets of the business to fund the increase in the “cash-gap”.

Use today’s sales to finance tomorrow’s growth

WHY DEBTOR FINANCE?

Debtor finance is an easy way of providing cash for a fast growing business. It releases funds tied up in trade debtors, to make the business more successful.

It can do away with expensive settlement discounts, release fixed assets, including the family home and leave management free to concentrate on increasing profit.

Debtor finance automatically grows in line with sales without the need to renegotiate increased facilities. Management can strive for growth, confident that the growth can be financed.

WHAT DOES IT COST?

A Management Fee negotiated for each client, charged as a percentage of each invoice. This ranges from 0.35% to 3%.
A Discounting Fee is charged on the amount paid to you by us, equivalent to the Overdraft Reference Rate plus a risk margin of between 2% to 3%.

HOW DOES IT WORK?

You sell your invoices to the Lender on an ongoing basis and keep them informed of all movement on your sales ledger. On request, they will pay you up to 80% of the value of approved invoices usually within 24 hours. The balance is available when the invoices are paid.

Facilities may be either Confidential or Disclosed.

Confidential facilities ensure debtor payments are made direct to you, while your customers remain unaware of their involvement. You are responsible for the professional maintenance of the sales ledger.

With disclosed facilities, debtor payments are directed to the Lender. They offer to take on complete administration of the sales ledger, including chasing debts, allocation of cash, carrying out credit assessment of customers and sending statements.

Free up management to concentrate on expanding the business.

BENEFITS

• Increase sales and take advantage of higher profits on the top slice of turnover.
• A facility that automatically grows in line with debtors.
• Improved purchasing power.
• No need for costly settlement discounts.
• Release the family home from the business equation

WHY DEBTOR FINANCE?

• Independent from the banks.
• Specialists in debtor finance.
• Able to make quick decisions.
• Personalised flexible service.
• 100+ years of experience in one management team.

So call 'Call 4 Cash' today on (02) 4237 5924 or email with your phone number and location. Don't forget 'our aim is to help YOU'.