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funding a business needs to operate.
Companies experiencing strong sales growth and those with seasonal sales regularly experience periods of tight liquidity. Addressing this issue can be very challenging and traditional banking facilities often do not represent an appropriate solution.
At Micho Financial we look beyond the director's personal asset position in order to deliver the most appropriate working capital solution. Cash Flow Finance also known as Debtor Finance, Invoice Discounting, and Factoring uses the companies accounts receivable / debtors to deliver a more flexible source of working capital.
For companies not requiring quite the same level of flexibility we can asses their current facilities with a view to increasing the funding limit available or utilise working capital loans. Working capital loans generally do not require real estate security, instead they use the company assets such as debtors, stock and plant.
Invoice Discounting
- Funding up to 80% of the companies debtors ledger balance
- Confidential finance facility
- Flexible funding that grows in line with sales growth
- Balance sheet security
Factoring
- Funding up to 90% of the companies debtors ledger balance
- Includes debtors administration service
- Flexible funding that grows in line with sales growth
- Balance sheet security
Working Capital Loans
- Secured by a mix of business assets including debtors, stock, property, plant and equipment
- Line of credit structure
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