Invoice finance / debtor finance

Funding aligned to contracted and verifiable revenue.

Designed for businesses with recurring, contracted or project-based income, this facility helps bridge short-term funding needs where repayment is supported by certified invoices, debtor collections or contracted receivables.

Suitable For

• Businesses with contracted or verifiable revenue

• Timing gaps between receivables and operating costs

• Certified invoices or progress-claim funding needs

Working Capital

Short-term funding for defined cash flow requirements.

Designed for established businesses with consistent trading activity, where repayment is supported by verifiable cash flow or a clear exit strategy. Facilities are structured to align with business cash cycles while keeping terms simple and execution disciplined.

Suitable For

• Established businesses with consistent trading activity

• Temporary liquidity or operational funding requirements

• Clearly identifiable repayment sources or exit events

Trade Finance

Funding structured around purchasing and trading cycles.

This facility supports supplier payments and inventory purchases, with repayment linked to the sale of goods or collection of receivables. Each transaction is structured around clear entry and exit points to support disciplined execution where timing matters.

Suitable For

• Wholesale, import, and trade-based businesses

• Strong gross margins and inventory turnover

• Clearly defined purchase and sale transactions

Typical Security

To maintain execution efficiency and support timely settlement, facilities are typically secured by:

• General Security Agreement (GSA) over the borrowing entity

• Director personal guarantees

For larger or more structured transactions, additional security may be required. This may include:

• First or second mortgage over real property

• Specific asset or receivables security where relevant to the transaction

• Additional guarantees or collateral support

Security requirements are determined based on transaction structure, repayment source, and overall risk profile.

What We Typically Require:

To assess an enquiry, we typically request:

• Company and director details

• Recent business bank statements ((typically last 6 months)

• Basic financial information (typically last 1–2 years and latest management accounts, where available)

• Supporting documents relevant to the transaction (such as invoices, contracts, or supplier documents)

Additional documents may be requested depending on the circumstances of the application.

Discuss a Commercial Finance Transaction

If you have a straightforward transaction requiring short-term commercial funding, submit an enquiry and our team will review the structure promptly.