Knowledge Centre
You do not need to know the product to apply. But if you want to understand the structures, the pricing and what funders test, start here.
Most funding requests fail on presentation, not viability. This guide sets out how funders assess a request, which structure fits which need, and what to prepare before you approach anyone.
9 min readBoth release cash tied up in unpaid invoices. The differences are who collects payment, whether your customers are told, and whether the facility covers the whole ledger or single invoices.
7 min readTrade finance funds the gap between paying an overseas supplier and being paid by the end buyer. It is underwritten on the transaction, not the balance sheet.
8 min readThe choice between hire purchase and leasing turns on whether you want to own the asset, who should carry residual value risk, and how you want the cost to appear in your accounts.
6 min readCredit teams read hundreds of requests. The ones that progress answer the obvious questions before they are asked and explain the awkward numbers rather than hiding them.
7 min readProfit and cash are not the same thing. Growth pulls cash forward into stock and debtors long before it arrives as profit — which is why fast-growing, profitable companies fail.
6 min readAcquisition debt is sized on the target's sustainable earnings, not the buyer's ambition. Understanding the stack early prevents renegotiating price late.
7 min readCross-border transactions rarely fail on credit. They fail on enforceability, currency mismatch and the time it takes to satisfy KYC across a group structure.
7 min readProperty lending is priced on the asset, the income it produces and the credibility of the exit. Match the term of the debt to the life of the plan.
7 min readAdverse credit narrows the market and raises price; it rarely closes the market. The route through is security, transparency and a facility underwritten on something other than your covenant.
6 min readInvoice finance is priced in two parts plus a long tail of ancillary charges. This guide shows how to read a facility quote and calculate what a ledger really costs.
7 min readQuotes across funding types are not comparable as issued. This guide converts each structure to a common basis so you can see which is genuinely cheapest for your need.
8 min readBoth are short-term, both are secured on property, and choosing the wrong one adds cost or stalls a site. This guide sets out where the line sits.
7 min readSecurity lowers price and raises limits, but widens what is at risk. This guide sets out the trade-off in practical terms.
6 min readAdvances are fast and flexible on repayment but expensive once annualised. This guide converts both to a common basis so you can see the real difference.
6 min readOne funds a fixed sum against trading performance, the other releases cash already earned. The right choice follows from where the cash gap sits.
6 min readAsset finance spreads the cost of equipment, vehicles and plant over its working life, secured on the asset itself rather than the wider balance sheet.
8 min readDevelopment finance funds land purchase and construction in staged drawdowns, sized against build cost and end value, and is repaid from sale or refinance.
9 min readBuying a business is rarely funded from one source. Acquisition finance layers senior debt, asset-backed lines, mezzanine and deferred consideration around the buyer's equity.
8 min readSupply chain finance lets suppliers be paid early at the buyer's cost of funds while the buyer keeps or extends its payment terms.
7 min readLeasing pays for the use of equipment rather than the ownership of it, which suits assets that date quickly or are replaced on a cycle.
7 min readAn RCF is a committed line you draw, repay and redraw as needed, sized against trading performance and priced on both used and unused amounts.
7 min read