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Many established businesses are well run and fundamentally sound, yet constantly suffer from a debilitating shortage of cash which can eventually lead to the breakdown of profitable trading.

Invoice Discounting solves this problem. You continue to receive your customer's payments and manage your sales ledger and credit control activities. Invoice Discounting will give you a prepayment facility against your invoices of up to 80% and the balance when your customers pay.

The Benefits to you are:
  • No more cash flow headaches, leaving you free to concentrate on growing your business.
  • Receive cash on delivery but still give your customers the credit terms they have always enjoyed.
  • Improve your return on capital invested.

The service costs are divided into two areas:
  • Service charge and low interest loan.
  • Most companies find the finance costs less than a normal overdraft.
  • It depends entirely on your individual requirements and the workload involved.
  • As a guide, the service charge for invoice discounting would be in the range 0.2% to 0.7% of annual turnover.
  • The finance would be around 2% to 2.5% over base rate.

Why not call us today on: 01480 471615

you can email us at:

or use our online contact form
FACTORY ORDERS IMPROVE Factory orders have improved this month but remain near decade lows that threaten to weigh on the economy in the final quarter of the year, according to the CBI. The employers group said that els last seen in August but were still hovering near Octobers nine-year low. Export orders also improved after touching their weakest level since the 2008 crisis last month.Downturn in global trade and Brexit uncertainty hit the last three months to September, the sector was 1.4% smaller than the year before.

HOUSING BUILDING Housing supply in England increased last year at a higher rate than at any time in more than 30 years. There were 241,130 homes added to the countrys housing stock, of which 214,000 were new build properties. It is the highest number of new homes in a year since 1987.

JOBLESS FIGURES Jobless figures fell 23,000 to 1.3 million in the three months to September, reducing the unemployment rate to 3.8%. However, the number of new hires fell at this fastest in four years. The number in work fell by 58,000 to 32.7 million in the quarter.

CONSUMER CONFIDENCE Britons are losing confidence in the economy and are growing increasingly pessimistic about the state of their personal finances, offering a clear sign that political upheaval is damaging consumer confidence. The GFK consumer confidence index fell from -12 to -14 in October and has been stuck in negative territory since March 2016, during the run up to the European Union referendum. Household spending accounts for almost two thirds of national output, so caution here can be a precursor to a slowdown in national growth.

INSOLVENCIES The number of PEOPLE entering insolvency in England and Wales between July and September rose to its highest level for a decade. There were 30,879 personal insolvencies in the third quarter, up more than 22% on the same period last year and the highest third quarter number since 2010. COMPANY insolvencies rose for the third consecutive quarter to 4,355, up 1.6% on the same period last year and the highest since 2014.

CAR MANUFACTURING The number of cars built in Britain fell again in September as a slowdown in global demand and political uncertainty held the industry back.Car production shrank by 3.8% year on year to 122,256 according to the Society of Motor Manufacturers and Traders. Output has been in decline since last June as manufacturers battle falling demand for diesel vehicles and a slowdown in the vital Chinese market. Uncertainty surrounding Brexit also has contributed to lower investment in factories,while spending on planning for a no deal Brexit, estimated to be 500 million, has deprived cash from essential investment in new products and facilities.

BRITAIN IN TOP TEN Britain has retained its place in the worlds top ten markets to do business as the government prepares companies at home and abroad for Brexit Britain edged one position higher in the overall rankings, from ninth to eighth, overtaking Norway.

MANUFACTURERS BRACE FOR COLLAPSE IN EXPORTS Factories expect their exports to collapse next year as pessimism grips the manufacturing sector. Confidence among manufacturers about exports has fallen more steeply than at any time sine 2001, according to an industrial trends survey for the three months to October. Jobs fell at the rate since 2010 and investment intentions were at their most negative since the financial crisis.

RETAIL SALES WOE Retails sales stagnated last month in a sign that consumers are growing more cautious about spending before Brexit according to official figures.Sales volumes were flat in September after falling unexpectedly in August.In July large discounts had lured online shoppers, which helped to lift the quarterly, the Office for National Statistics said. However Septembers flat performance after a dip in August suggests that consumers may have become more cautious as the UKs departure looms and uncertainties Have risen

ONLINE SALES FALL Retail sales unexpectedly fell in August after consumers reined in spending having splashed out for Amazons annual Prime Day promotion the previous month, according to official figures. The drop will raise new concerns about the fragility of consumer confidence. Sales had risen 0.4% in July and economists had expected them to be flat in August.

CASH FALLS BEHIND CREDIT CARDS Credit card payments have overtaken cash in British shops for the first time.Notes and coins were only the third most popular form of payment last year, the British Retail Consortium has said. Only 1 in every 5 spent over the counter was made in cash. Debit cards have remained the most popular payment method, amounting to more than half of all payments.

WAGES RISE Wages are rising at their fastest pace in more than a decade and unemployment rate has fallen to a record low. Annual growth in average weekly earnings, including bonuses, was 4% in the three months to July, up from 3.8% in the same period last year, the Office for National Statistics said. This was the fastest growth since 2008 and higher than the 3.7% forecast by economists. After adjusting for inflation, wages rose by 2.1%, breaking the 2% barrier for the first time in four years.