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JKB Invoice Finance Brokers Ltd
2nd Floor
71 Tabors Avenue
Chelmsford
Essex
CM2 7EL
 

Invoice Discounting

What is invoice discounting?

Looking at invoice discounting as a product, you will receive advances of funds against outstanding sales invoices. Up to 95% of the value of your invoices can be paid out within 24 hours of raising them. There is generally no intervention into your credit management systems and the provider's involvement is not always visible to a client's customers.

Funds advanced can be increased when a selection of assets is taken into consideration: A provider can fund against invoices, stock, plant and machinery, land and buildings. The exact mix of assets utilised will depend on your needs and the strength of security in the assets themselves.

How do you benefit?

By having funds available when you need them, you can focus on running your business without the constant pressures that inadequate cash flow can bring. Invoice discounting always provides funding against your debtors and can be extended to include a mixture of stock, plant and machinery, land and buildings.

Facilities are revolving, therefore you are not required to make capital repayments, once again maximising available cash flow. This additional headroom can put you in a position to seize business opportunities, giving you a real edge on your competitors.

When should you use invoice discounting?

Many businesses looking for financial support still rely on traditional bank funding. However, take a moment to consider exactly what your company's financial needs are and how they can best be serviced.

Start by asking yourself a few simple questions:
  • Do you sell products or services on credit?
  • Do you find that you have to buy more quickly than you get paid?
  • Do you have to hold high levels of stock?
  • Does this tie up your cash?
  • Do you want to develop new products?
  • Do you find funds you need to finance further growth are tied up in unpaid invoices?
If you find yourself answering yes to any of these questions, invoice discounting and asset-based lending can maximise the cash available against many of your business assets and release the funds you need. e.g., to finance further growth.

Click here to find out how invoice discounting is charged.

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