Factoring

Improve your cashflow and save time with our finance and credit control solution leaving you to drive your business forward

What is it?

A healthy level of cash flow is vital to every business. Cash that can be used to support plans and grow your business. However, at times, your cashflow can be impacted due to additional expenses as you take on more business or late paying customers. Factoring enables you to access a flexible source of funding based on the value of your outstanding customer invoices. It releases up to 85% of the value of outstanding invoices before they are paid.

Benefits

  • Improves your Cashflow – An upfront payment up to 85% of the value of your outstanding invoices
  • Flexible ongoing source of working capital – Access up to 85% of each invoice as you raise them enabling you to grow the level of funding in line with your business growth
  • Saves you time - Our expert teams can handle your entire credit control and sales ledger management leaving your free to get on and run your business
  • Negotiate trade discounts – With improved Cashflow you can negotiate early payment discounts with your suppliers boosting your profitability
  • Transparent fees – A single fixed fee with no hidden surprises enabling you to stay in control
  • Fast decisions – You have access to senior decision makers ensuring we act quickly when you need it
  • Saves you money – Our credit control service can reduce the cost of you inhouse credit control function
  • You remain in Control – Our online system means that you can stay in control of your finances when you want

How does it work?

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1. We will provide you with an initial advance of up to 85% of your outstanding invoices

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2. Each time you raise a customer invoice, send a copy to us

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3. We will pay you up to 85% of the value of the invoice within 24 hours

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4. We collect invoice payment from your customer

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5. We pay you the remaining balance minus our fees

Who is eligible?

  • Businesses trading with other businesses on credit terms
  • Limited companies from start-up to £15m turnover
  • Firms requiring funding between start-up and £2m
  • We support businesses from a wide range of industry sectors including manufacturing, transport, security services and construction

What does it cost?

We charge a single fixed fee for our solutions ensuring you know what to expect. That fee will be fixed as a percentage of your annual turnover. This fee can be fixed for the duration of the facility, typically 12 months or you can secure this funding and the fixed rate for up to three years, providing peace of mind from base rate changes and helping your business to budget accurately.

Why choose Pulse Cashflow?

Pulse Cashflow are a leading independent funder specialising in invoice finance who work with businesses experiencing a range of cashflow challenges. Established in 2010 with a leadership team that has over 110 years of Asset Based lending experience, our knowledge and experience means, that we understand the challenging situations that businesses can encounter. We are perfectly placed to deliver our clients a fast and flexible funding solution which best suits their business requirements. We have developed a reputation for our honesty and integrity and our hands-on partnerships with our clients and their advisors. Unlike most lenders, we keep things simple and make funding decisions based on the strength of the sales ledger and audit trail.

What our clients have to say

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Michael Mulvaney, Managing Director, Proficient Security Ltd

“It was refreshing to do business with Pulse Cashflow Finance. They demonstrated belief in my business and committed to funding so that I can continue trading”.

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Jemma Keywood-Bellamy, Director of DRS Recruitment

“We were apprehensive about changing funder because our customers are quite traditional in the way that they do things. However, we didn’t need to worry as Pulse Cashflow have proven to be great to work with."

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Jason Horn, Director of Alton Pump Services

“Our Bank used to be our first port of call but with a diminishing appetite to fund our business, we needed to look for a more flexible funder who would support our strategy through good times and bad.”

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Get started today

Following an Informal discussion and a review of your sales ledger we will be able to provide you with an in-principle decision within 24 hours.  We don’t believe in lengthy processes, so you can be assured that we will work to put a facility in place as quickly as you need it.

Take control of your cashflow today!

  0845 539 7003         Email us