Solutions · Invoice factoring
Get paid on the invoice, not on your customer's calendar.
You have delivered the work and issued the invoice. We buy that invoice and pay you for it now. Your customer pays us later, on exactly the terms they already had.
The problem
The work is finished. The money is not.
Between delivery and payment sits a gap you are funding out of your own pocket, every single month, on every single account.
Already spent
The cost of the work
Wages, materials, subcontractors and suppliers were paid while the job was being delivered.
30 to 90 days
The customer's terms
Payment terms are set by whoever has the leverage, and it is rarely the supplier.
Unusable
Revenue you cannot spend
An issued invoice is an asset on paper and nothing at all in the bank account.
How it works
Approved once, then it simply repeats.
Setup is a one-time review of your business and your customers. After that, funding an invoice is routine.
01 · Ledger
Submit the invoice
You send us the invoices you want funded, for goods or services you have already delivered.
02 · Diligence
We verify
We check the invoice and the credit standing of the customer behind it. Approval is a one-time setup, then it repeats.
03 · Purchase
We buy and pay
We purchase the receivable outright and pay you for it. It is a sale, not a loan, so nothing is added to your debt.
04 · Settlement
Your customer pays us
Your customer settles on their normal terms. You pay a fee on the invoices you sell and nothing on the ones you keep.
Structure
True sale
Speed
Days, not months
Pricing
Per invoice sold
Collateral
No personal guarantees
Not a loan
The difference between selling an invoice and borrowing against one.
Both put cash in your account. Only one of them leaves your balance sheet where it was.
What you get
A facility that behaves like your business does.
A sale, not a loan
We purchase the receivable outright. There is no loan to repay, no instalment schedule, and no debt added to your balance sheet.
Priced per invoice
You pay a fee on the invoices you actually sell us. An unused facility costs you nothing.
Sell what you choose
Fund one customer, one contract or your whole ledger. You are not obliged to sell every invoice you raise.
No personal guarantees
The invoice and the credit standing of your customer carry the deal, not a charge over your house.
Zero equity dilution
You are converting revenue you have already earned. No shares change hands.
Counterparty review included
We assess the customer behind each invoice, which doubles as a second opinion on who you extend terms to.
Where it applies
Same product, read through your industry.
What changes between sectors is the billing cycle, the counterparty and the paperwork behind the invoice. Start with yours.
Who qualifies