Recovery and Growth by Payment Terms?

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As you move into a period where Government backed support is passing into the rear view mirror, and you are guiding your business through this recovery period in the economy – what will allow you to operate and grow from here?

If you provide payment terms to your customers then you could be operating in some senses by watching the calendar for when your invoices are settled.

Cash flow or working capital, however you want to term it, is what allows your business to operate, trade and essentially exist. That sounds like an over simplistic statement, but the reason why companies use cash flow forecasts is to stay one step ahead in ensuring the flow of cash in their business.

Cash flow provides for a wide range of purposes such as wages, fixed overhead costs, paying suppliers and increasing or diversifying your activities as business conditions dictate – or opportunities present themselves. When cash flow dries up, your trading activities can cease up, and this can prove terminal.

Even if your company has not been directly impacted by the pandemic, and suffered lower sales, productivity or even a forced closure, it is highly likely that through your supply chain, staff or customers you will have felt the effects in your cash flow; virtually no business has remained directly or indirectly unaffected.

Invoice Finance may not be the most suitable product for every part of the economic cycle – but think of it another way: what other financial facility will pay you for most of the work that you have completed just a few days after you have completed it, when your customers won’t be settling anything with you for another 30, 60 or 90 days?

We see this as the clearest demonstration of the ends justifying the cost of the means – many businesses won’t be able to manage without these facilities in the coming economic climate – and we consider Invoice Finance will likely be one of the best cash flow conservation tools available to companies.

·        It’s flexible and can adapt to most sectors and business models; it fits with business conditions and turnover, unlike the rigid structure of a business loan.

·        Your company will need continued support to ensure that waiting for invoices to be settled doesn’t limit your activities – or your ambition.

If your company has an Invoice Finance facility in place you might be wondering how we could help you. You may be able to benefit from an improved funding rate or lower costs? As you would do in your personal finances, it pays to look for alternatives that may be more suitable and/or offer you improved terms.

Please Ask Yourself This Question:

As you approach and plan for the next 12-24 months, is it likely that you will ALWAYS have the cash flow necessary to meet wage bills, pay suppliers, or grow your activities, without the certainty of knowing that when you issue an invoice you will get funded almost immediately?

As you drive your business forward from here leave the calendar in the rear view mirror; Invoice Finance allows you to fund both outgoings and opportunities with the business that you are already doing, and without depleting your cash flow.

Why not talk to us about how Invoice Finance can benefit your business?

Mark Grant, June 2021.  / 01636 614 014