Invoice Finance

Roger Osborne, Director of SME Training Ltd, has worked for over 38 years within the Invoice Finance (Factoring / Invoice Discounting) industry and from the outside. He also has extensive experience with Trade Finance, Asset Finance and Stock Finance. 

Our sister website is:

www.fraserosbornecommercialfinance.co.uk

Please look at the above website  ....  invoice finance, trade finance, cashflow etc details.

07740 515770  roger@fraserosborne.co.uk

Classic Underwriting Invoice Finance

Criteria for Factoring & Invoice Discounting

The Criteria, Underwriting and Principles are fine.

There are over 30 Invoice Finance companies. Almost have different attitudes.

You MUST only speak with a Broker/Advisor that is very experienced and actually worked for an Invoice Finance company and/or Associated. 

Also, check that the Broker/Advisor is just not a Salesman!   

Designed to help your business grow

If you want to relieve cash flow pressures, access funds tied up in invoices and free your time from chasing late payments, then Invoice Factoring can help. Unlike a traditional bank we are a little more flexible and able to help if:

Invoice Finance allow goods and/or services to any other business

• Factoring companies allow customers credit terms of between 30 and 90 days
• If you would like to concentrate on your business and are happy for us to manage your credit control
• You provide goods and/or services to any other business

FEATURES

• We release up to 100% of invoice value within 24 hours
• You get cash against the value of your invoices as they are raised
• The fund you can access grows in line with your sales
• The duration is unlimited on a rolling contract
• We liaise with your customers for payment
• You can opt to make process confidential
• Combine with Bad Debt Protection for total peace of mind
• Manage your account with our 24/7 Client Online service

BENEFITS

• Speed: access to cash within 24 hours to meet payments or make important purchases
• Control: manage your credit control and sales ledger
• Personal: we get to know the client and customers,who value a relationship-based approach 
• Convenience:check your funding at any time using our 24/7 Client Online service 
• Security: opt to protect against customer insolvency with Bad Debt Protection
• Confidentiality: opt for confidential service and we will not disclose you are using our service

THERE ARE TWO TYPES OF FEE:

• Service Fee
  This covers the day-to-day running of the sales ledger (usually between 0.5 per cent and 3.0 per cent of the funds advanced). On average approx 1.00% to 1.20%)
• Interest
  This is charged on the monies advanced to you about 3 or 4 above the Bank Interest Rate .

Invoice Discounting 

Free up the capital in your unpaid invoices

Invoice Discounting allows SME businesses to release cash against outstanding customer invoices. It differs from Invoice Factoring because you retain the responsibility for collecting payments from your customers. For many of our clients, this is important so they can maintain existing relationships with key customers.

Interest Fee is similar to above. However,  the Service Fee is much less.

Please read our sister website www.fraserosbornecommercialfinance.co.uk  for Trade Finance, Asset Finance & Stock Finance   

countingor Factoring & Invoice Discounting

Roger Osborne's Career and Experiences:

• 38 years of experience in Commercial Finance

• 15 years direct experience at all levels and in all disciplines of Invoice Finance, Trade Finance & Asset Finance

• Accountancy, Lecturing, Training, Business Studies and Business Strategy backgrounds                
• A well-achieved designed 'Commercial Financial Awareness' 5-day course 

• Directly or indirectly we have dealt with over 2000 SME businesses (Small & Medium Size Enterprises) ranging from Sole Traders to Plcs and new starts to very mature businesses.

• We are self-funded and totally Independent. We do not have 'preferred lenders'. Invoice Finance independent Advisors  

• We select the most appropriate lender for each proposition 

• All clients receive a personal, communicative and complete professional service

• Our results are proven, and our style has been described as 'inimitable'

• Market leading results with highly competitive fees 

• We can provide numerous Testimonials and References