Business Finance - Insolvency Helpline

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Business Finance

There are a wide variety of business finance options available which can be used for a variety of reasons.

Whether you need to start or grow a business, purchase new equipment stock or premises or you simply need a little extra cash to help with your day to day running costs. No matter what the reason and circumstance there will be the perfect business finance solution for you.

Getting the right business finance products

As the market place is full of such products it can be daunting working out the advantages and disadvantage of each option and working out what is the best option for you and your business. That's why before committing to a product you should get some advice from the professionals, to make sure you make the right decision not just for your current needs but for your future needs too.

Here are some common business finance options:

  • Business Loans
    There is a huge range of business loans available and the cost and flexibility of each product will vary. Business loans are perfect for larger and longer borrowing needs, requiring you to repay what you have borrowed over a pre-agreed time frame at a fixed, variable or capped interest rate.
  • Business credit cards
    Business Credit Cards are a quick and flexible way to finance smaller items of business expenditure, they can also help you to improve your cash flow as you can make payments monthly.
  • Factoring
    Factoring can improve your cash flow which can help you grow your business by releasing up to 95% of the cash that is held in your unpaid invoices. You can often receive your money with 24 hours of your raising the invoices. Factoring is most suitable to businesses with a projected turnover of 50K who do business with other businesses. The factoring company will manage your sales ledger, payment collection process and look after your credit control which will free up more of your time to develop and grow your business.
  • Discounting
    Discounting is similar to factoring, as it also releases the cash that is tied up in your unpaid invoices, often within 24 hours. However the difference with this option is that you collect the payments yourself.As resources are required to collect the payments this option is more suited to larger businesses, who have the time and resources to manage the sales ledger, collection process and credit control.

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This website has been written and intended for registered limited companies in the UK only. The site contains general information and resources for limited companies only in financial trouble. Insolvency Helpline only work with limited companies to offer solutions for their business debt problems. Insolvency Helpline cannot offer help or advice any other entity except limited companies. Insolvency Helpline does not advise individuals, sole traders or partnerships seeking debt advice. If you are an individual, sole trader or partnership seeking advice, we recommend using an alternative service.

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