A straightforward Invoice Finance facility that provides advances on all invoices sent to debtors. Additionally, some lenders provide the option of a "cash collection fee" for invoices not drawn down on. This fee is typically lower than the standard service and discount fee charged on every invoice, offering flexibility and cost savings for your business.

A flexible solution that puts you in control. With this option, you have the freedom to choose which debtors to include in the facility, allowing you to exclude those who consistently pay on time. This means you'll only pay for the invoices you choose to fund, optimizing your costs and maximizing your cash flow efficiency.

Unlike traditional facilities, Spot Finance offers unparalleled flexibility without long-term commitments or minimum usage requirements. With just one fee, typically a set percentage of the total invoice amount, you can access funding for individual invoices as needed. It's essential to note that this type of funding is usually not confidential and may be more expensive compared to full book or selective debtor facilities. However, its flexibility and simplicity make it an attractive solution for businesses seeking on-demand financing without the constraints of traditional arrangements.

For businesses with a single debtor, finding suitable financing can be challenging. Many lenders have concentration limits that prevent them from accommodating such arrangements. However, a Single Debtor Facility offers a tailored solution designed specifically for businesses with unique financial needs. With no concentration limits, this type of facility can provide competitive pricing and flexible terms to meet your requirements effectively.

CHOCCS (Client Handles Own Credit Control), is a disclosed financing option akin to full factoring, but with a twist. With CHOCCS, you maintain control over your debt collection processes instead of relying on the lender to manage it for you. This unique approach offers the benefits of a disclosed facility while empowering you to oversee your credit control procedures.

In a Disclosed facility covering your entire debtor book, the lender takes charge of payment reminders and follows up on overdue invoices directly with your debtors. This hands-off approach allows you to focus on your core business activities while ensuring effective credit control and timely payments.

In a Confidential Invoice Finance facility, your debtors remain unaware of your financing arrangement. The lender establishes a trust account in your company's name for invoice payments, ensuring discretion and privacy. They abstain from direct communication with your debtors, allowing you to maintain control of client relationships while benefiting from upfront payments for unpaid invoices. With Confidential Invoice Finance, you can streamline your cash flow management without compromising the integrity of your business relationships.

When it comes to financing international debtors, not every lender has the capability to accommodate such arrangements. However, there are lenders who specialise in funding both UK and international debtors, offering a wide range of options tailored to your specific needs. Our expertise in navigating the intricacies of cross-border transactions ensures that most countries can be funded seamlessly. With our deep understanding of lenders' capabilities, we can secure competitive fees and favorable terms for your international financing needs. Trust in our knowledge and experience to unlock exceptional financing solutions for your global business operations.

While funding contractual debt poses more limitations compared to straightforward invoicing, specialised construction lenders offer solutions tailored to your needs. These lenders can finance applications, staged payments, and purchase orders, providing vital support for your projects. Some may require sign-off before funding, while others accept self-certification, offering flexibility to meet your requirements. Although the advance rate for contractual debt is typically lower, ranging from 50% to 70%, certain lenders can offer a 90% advance rate for quantifiable and signed-off debts. At Fiskal, we work with these lenders to secure the financing you need to fuel your construction projects efficiently and effectively.

The Recruitment industry stands out as one of the most accessible sectors for invoice funding, with the vast majority of lenders offering tailored facilities. However, select lenders go above and beyond by providing comprehensive support, including full back office assistance and payroll services integrated into the facility. Moreover, a handful of lenders specialise in funding both temporary and permanent placements, offering a versatile solution to meet the diverse needs of recruitment agencies. At Fiskal, we collaborate with these specialized lenders to ensure recruitment businesses have access to the most suitable and comprehensive financing solutions available in the market.