A business may be profitable, well run and have a strong order book, but escalating debtors can lead to weak cashflow and, ultimately insolvency and business failure. A well-structured invoice finance arrangement can advance you up to 85% (100% in certain circumstances) of outstanding debtors - money which can go straight back into cash flow to fund your growth. If you choose the facility can also incorporate ledger control and insurance against all or selected debts, leaving you free to concentrate on what you do best. FINANZ has access to numerous invoice financiers and can structure deals of any level of complexity ranging from:

Confidential invoice discounting
Where the only requirement is for advance on debtors. Normally available on-line the company is left to run their own ledger and clients have no knowledge that a funding facility is in place.

Key criteria to qualify are clean ledger, good debtor spread and computerised management systems.

Non-recourse factoring
Where the discounter takes on all aspects of running your ledger, including insurance against bad debt relieving you of responsibilities of credit control, credit checking and account maintenance

Invoice finance
Many businesses do not have an ongoing need to fund debtors, but will occasionally do an exceptional deal which they would like to fund or insure. Single invoice finance achieves exactly this, either for literally one invoice, or occasional invoices. This type of facility can be put in place very swiftly as underwriting requirement is minimal.

Many businesses of all sizes rely on invoice finance facilities. Options available include:

	Undisclosed facilities
	Single debtor finance / over-exposure to one or few debtors
	Single invoice finance
	Credit insurance (funded or non-funded invoices)
	Full collection facilities
	Real-time on-line cash management
	Up to 100% debtors incorporating stocks and work in progress
	Multi-currency debts, including Non-EU countries
	SC30