Working Capital Facility
The Best of Both Worlds
Combines the key benefits of our Invoice Finance and Invoice Discounting facilities — giving you maximum flexibility with full back-office support.
Freeing up both your time and your money
Our Working Capital facility gives you the best of both our Invoice Finance (Factoring) and Invoice Discounting facilities. It's designed for businesses that want the full debtor management support of factoring, combined with the on-demand funding flexibility of invoice discounting.
The money is there when you need it — and you're not paying for it when you don't. Notify us when you want to draw funds and we get them to you. Repay manually or let the facility handle it as customers pay and new invoices are raised.
Key distinctions from standard Factoring:
- You notify us when you want to draw available funds — we don't push funds automatically
- We maintain an account showing your drawn funds and available balance at all times
- You only pay for the funds you're actually using
- Repay on your schedule or let new invoices cycle the facility naturally
What you get with our Working Capital facility
Draw On Demand
Request available funds when you need them — not on a set schedule. We get the money to you promptly, every time.
Pay Only for What You Use
You're only charged for funds you've actually drawn. If you don't draw, you don't pay. Efficient and cost-effective.
Full Debtor Management
Like our factoring service, we manage your debtors' ledger — statements, reconciliation, following up slow payers — so you don't have to.
Scales With Your Business
As your invoicing grows, so does your available funding. No fixed limits, no extension requests needed.
Accounting Integration
We connect to your accounting software to import invoices, post entries, and keep your two systems reconciled automatically.
Flexible Repayment
Repay funds manually when it suits you, or let the facility cycle naturally as customers pay and new invoices are raised.
Simple, predictable, flexible
Invoices Come In
You provide goods or services and create invoices. We're notified automatically via your accounting software integration.
Funds Made Available
We process your invoices and make up to 85% of their value available in your facility account — ready when you need it.
Draw When You Need It
Notify us when you'd like to draw funds. We transfer promptly. Only pay charges on what you've drawn and while you're using it.
- We manage your debtors' ledger — chasing payments, reconciling accounts, providing statements.
- When customers pay, we reconcile and make the remaining balance (less fees) available for you to draw.
- All activity visible via our client portal. Email and SMS notifications keep you informed.
- We report any reconciliation issues and maintain your accounting entries throughout.
Is a Working Capital facility right for your business?
Talk to us — we'll ask the right questions and recommend the solution that genuinely suits your situation.