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Invoice Factoring
Getting an order is one thing; getting paid is another
Invoice Discounting
Invoice discounting is another popular form of invoice finance
Asset Finance
There are a number of ways to raise capital apart from the more traditional methods
Equity Finance
With programmes like ‘Dragon’s Den’, most people are aware of how equity finance works
Stock Finance
Stock finance can work in a number of ways to help those manufacturers and retailers that are short of working capital to continue trading successfully.
If the company does not have a credit agreement with the supplier of raw materials or, in the case of retailers the finished product, the lender can pay for the goods in advance. These are then ‘sold back’ by the lender to the company on extended credit terms.
Alternatively a business can be left with surplus stock or perhaps stock that will be ‘called off’ over a period of time. This is likely to tie up much needed capital that could be used to buy further stock for ongoing orders.
In this situation stock finance can help realise the value of the excess stock and release much needed capital back into the business.
And it doesn’t have to be just finished goods; finance can also be raised against raw materials and work-in-progress too.
The lender will receive a valuation from a third party and purchase the stock from the company at a discounted price. Again this will be ‘sold back’ to the company on extended credit terms.
The advantages of stock finance are that it can be arranged quickly and it is flexible allowing companies to borrow as a one-off or on a continuous basis.
Changing factoring provider?
CAS is sometimes contacted by company directors who are keen to change their factoring company.
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Industry news
Case studies
A hardware store in Leicester approached CAS to ask us to have a look at its current invoice finance agreement and to advise them whether it was getting a good deal.