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Business Finance – Confidentiality and Control
Business and finance
Small and Medium Sized Enterprises (SMEs) accounted for 99.3% of all private sector businesses and account for 60% of all private sector employment in the UK – so they are very important. There are a number of definitions of an SME but broadly speaking it is a business which employs less than 250 people with a turnover of under £50m.
Although there is often a lot of money going in and out of businesses on a daily basis, any can be susceptible to cash flow issues. However, like all businesses, each is different and while one may find finance easy to obtain, another may find it tricky.
This is where WF Financial Solutions can help, our years of experience and relationships with banks and funders means we are perfectly positioned to help businesses such as yours. Whatever your situation and plans for the future, we can help you to find the best deal as simply as possible.
Why is confidentiality and control so important?
We know that being in control of your finances is extremely important for all businesses which is why we work with our panel of funders to offer options such as invoice discounting and asset finance so you can continue to trade, expand, take advantage of business opportunities and hit productivity levels.
In terms of confidentiality, we know that for some businesses keeping your financing agreements under wraps can be very important. Invoice discounting, in particular, provides you with the opportunity to obtain finance against your debtor ledger whilst maintaining control of your credit management so your clients are less likely to be aware of the funding you are receiving.
Whether it is confidentiality, control or both you are looking for, we can help you find the financing option which will be the best fit for your business.
What financing products are available for businesses such as mine?
There are many financing products available for businesses from the traditional to the alternative and it is our job to search the market on your behalf to find you a deal which will supply you with the cash you need and offer you great service and rates.
How does Invoice Discounting work?
For B2B businesses which consistently receive late payments from their clients, factoring your invoices using an invoice discounting facility can be extremely beneficial. It allows you to release the cash tied up in your debtor ledger so you can meet day-to-day payments and fulfil your growth prospects.
Invoice discounting is specifically tailored for larger, established businesses as it is confidential and it allows you to remain in control of your own credit management. As you continue to collect payments and deal with your clients, it not only allows you to keep up company standards but it also means clients are less likely to find out about your factoring facility.
If your B2B business is smaller and is relatively young (or even a start-up) a full factoring facility may be more suitable and it takes away managing your ledger leaving you free to concentrate on your business.
This option is designed for businesses which trade internationally or are looking to expand into that market. The term trade finance encompasses a range of products such as invoice finance, advice on market conditions and customs, foreign payments and transfers, hedging etc. and depends on all products working in harmony to provide you with a great solution to a complex market.
Whether you are importing or exporting, just starting out in this area or looking to expand your international reach, we will work with you to find a funder who has the experience and skills required to deal with the many facets of trade finance.
As your business grows, the more equipment you are likely to require for any shops, offices, warehouses or factories you own or work from. As a result, asset finance – through either hire purchase or leasing or one of many hybrid products – can benefit your business if you are looking to purchase new equipment.
Whether you are investing in new technology or upgrading existing assets, asset finance allows you to pay back the cost of the equipment over time rather than taking a big lump of cash out of your cash flow. This ensures that you can carry on meeting your day-to-day liabilities as well as allowing you to grow and achieve your full potential.
Facilities are available on or off balance sheet and we always recommend taking advice from your accountant or tax advisor before making a decision.
Strong relationships with your bank are important and so we would not recommend moving without careful consideration. However, if that relationship has broken down, you are unhappy with the service or you think you could achieve a better rate somewhere else, then it may be worth looking into what else is on the market and we can help you to do this.
We will scour the market and make use of our relationships with a number of banks and funders to find you the best deal regardless of whether you are looking for better rates, more flexibility or an increase of choices on your facility.
As your business continues to grow, you may look to purchase commercial property, whether you are looking to buy a shop, warehouse or office premises, we have the right connections to place you with the lender who can offer you the best mortgage rates on the market.
Alternatively, if you already own a commercial property/properties and you are looking to re-mortgage, we can look across the entire market to find you the best option to help you save money on repayments while releasing the cash you need quickly and efficiently.
We can organise finance if you are a property investor or a developer looking for funding to finance construction.
If you are a business looking for a funding solution then we can help, get in touch with us for more information or for your free, no obligation quote.
Some of the partners we work with...
From a funders perspective, I find that the team at WF Financial Solutions, really take the time to understand the customers’ needs and wants and with their vast experience are able to match them with the correct funders. This really helps the funders to build a fast and trustworthy relationship to ensure any facilities are provided in a timely manner.
- Wayne Spratt, Business Development Manager, Bibby Factors Yorkshire
Why choose us?
WF Financial Solutions is an independent broker of invoice, asset and trade financing solutions with links to lenders of all sizes and specialties. WF Financial Solutions has helped many clients through a range of lenders and their varying services and we are proud to offer advisory and introductory services to finance providers that suit your needs.
Get expert help & advice with...
We specialise in sourcing the best factoring facilities for start-up’s, SME’s and big businesses.
One man band to large corporation, we work hard to ensure you get the deal that works for you.
Trading internationally, buying an asset or looking to refinance, we’ll help you get the best deal.
Sector Specific Funding
Different sectors have different needs and we pride ourselves on working hard to understand your situation.
We work closely with banks to secure the right banking facility or commercial mortgage for your business.