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Invoice Finance

Invoice Finance

This financing facility can boost your cash flow by injecting cash against the value of your outstanding invoices within 24 hours. As specialist invoice finance brokers, Bespoke Commercial Finance fully understand that for some businesses confidentiality is key, and we respect your privacy when speaking to funders whilst sourcing the best suited facility which will benefit you and your business now and in the future.

Invoice discounting can be the perfect solution if you sell products and/or services on credit terms. For businesses with high turnover and good client relationships, the security and confidentiality is a great benefit allowing credit control and responsibility for the sales ledger to stay within the business.

Book debts can be the greatest asset on a balance sheet, but they can become a problem when it turns into cash slower than expected, and potentially leading to a cash shortage hampering growth and day to day payments. Invoice discounting addresses this problem, by providing up to 90% of an invoice ensuring cash is available for when you need it!

Why Invoice Finance?

When your lender receives a copy of the invoice you have raised against your customer, they will pay you up to 90% of the invoice value within 24 hours, enabling you to meet your liabilities and stabilise your cash flow.

Unlike factoring,  you are still responsible for credit control. When your customer pays you, the money will go into a trust account provided by your lender and you receive the remaining value of your invoice, minus your lender’s fees.

Invoice discounting is suitable for most businesses with a proven track record, profitable and have a credit control team. There maybe an exception to this rule, but other facilities are available, such as factoring and single invoice/spot factoring should this facility not suit. Either way we can create a bespoke facility that will suit you and your business.

Working capital

Cash in the bank ensures suppliers are paid on time reducing the likelihood of late payment charges against you, preserving your credit rating, and putting you on more favorable terms with suppliers.

The ability to look after your important customers

 Steady cash flow provides you with the opportunity to give valued customers extended credit, increasing their chances of buying from you, and strengthening your working relationship.

Confidentiality, control, and flexibility

Your customers are not usually aware that you are using a financing facility and you will also retain complete control over your sales ledger management.

Bespoke Commercial Finance Invoice Finance Broker Talking Over Phone

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    Testimonials

    What our clients say

    “I have worked with Bespoke for several years now and have built up a very trusting relationship with the team. They’re always professional, deal with customers very fairly and ensure they’re offered the most effective solutions to meet their needs. I have no reservations in dealing with Bespoke and their abilities to provide suitable solutions for customers.

    — Scott Campbell

    Head of Barclays Business Sales

    I have recommended Bespoke’s services to a number of our clients, both that have existing factoring facilities and also to clients who are looking at their financing options. The service provided has always been exceptional and the feedback from these clients has been nothing but praise. I would therefore highly recommend the Bespoke team.

    — Tim Pearce

    Managing Partner, Haines Watts

    We contacted Bespoke as we were looking for an invoice finance facility to support the business due to our fast growth. They didn’t disappoint! They gave us first-class advice and support and within a week had provided us with a choice of competitive funding options. Bespoke worked with us through the decision process and helped us secure a finance facility which was ideal for our business and offers the flexibility for future growth. A-first class service throughout.

    — Paul Davison

    Director, Nutraformis

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    Please do not hesitate to get in touch. We look forward to hearing from you.