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Commercial Finance
Solutions through BTG Commercial Finance
We pride ourselves on providing a team of experienced individuals who have the capability to quickly grasp individual funding needs. They will then match those requirements with the most appropriate funding partner who can deliver the optimum solution.
If required, a member of our BTG Commercial Finance team from one of our offices will visit the client business and assess its performance, analyse immediate and long-term funding requirements – and then recommend appropriate funding partners. Our understanding of funders’ requirements allows us to realistically manage all parties’ expectations and so ensure that negotiations can proceed smoothly and swiftly.
It is not our policy to charge for services, as our fees are derived from the funding providers. We receive fees only after an agreement has been successfully concluded for our clients.
Factoring
Factoring is an excellent and flexible way to finance a growing business. It involves the assignment of a business’s sales invoices to a factoring company in exchange for an agreed initial advance of up to 95 per cent of the Total Invoice value. Once the debtor has paid the factoring company, the balance is payable to the client after deduction of the factoring company’s charges. In addition to providing the initial advance facility, the factoring company provides a sales ledger management service.
At BTG Commercial Finance, we have extensive experience in helping clients find precisely the right factoring partner to match their individual needs.
Invoice Discounting
Invoice discounting is similar in principle to factoring, in that sales invoices are assigned or sold by a business to an Invoice Finance company. However, unlike factoring, the Invoice Finance company does NOT manage their client’s sales ledger on a day-to-day basis – instead, they trust their clients to manage the sales ledger themselves and provide them with sales ledger information on a monthly basis.
BTG Commercial Finance has excellent relationships with leading UK Invoice Discounting companies, and we pride ourselves on arranging introductions that will benefit all parties.
Additional Services
Further Commercial Finance services that we can provide include:
- Bank Overdrafts
- Bank Loans
- Trade Finance
- Goods Purchasing Finance
- Commercial Property Finance
- Mezzanine Finance
- Bad Debt Protection
- Sales Aid Leasing