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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: info@angliancommercialfinance.co.uk

or use our online contact form
BUSINSS FAILURES SOAR A perfect storm of headwinds has driven company insolvencies to their highest levels since the aftermath of the financial crisis. underscoring the effects that high interest rate and soaring prices have had on the economy. The second and third quarters of this year saw the highest and second highest volume of insolvencies since 2009, data from the Insolvency Services showed. Some 6.319 and 6,208 companies tipped into insolvency in the second and third quarters respectively. Christina Fitzgerald, former president of R3, the UK insolvency and restructuring trade body, described the dynamic as a"perfect storm of economic issues.

SMALL COMPANIES REGAIN CONFIDENCE Small businesses are slowly regaining confidence in the economy, despite falling revenues and tightening recruitment, a survey shows. Optimism was measured at minus 8 points in the third quarter of the year, up from minus14.2 points in the second but still below the first-quarter reading of minus 2.8. It means that confidence among small companies has been negative territory for about 18 months.The quarterly report by the Federation of small businesses also showed that most do not predict growth over the next year, while one in eight expect to contract. The share of small firms planning to hire more staff in the fourth quarter has fallen back slightly, to about one in nine.

HOUSE PRICES FALL House prices fell for a sixth month in a row in September, but nevertheless held up better than expected. Average prices fell by 0.4% last month, according to Halifax, half the decline that economists had forecast. A separate house price index this week from Nationwide, the rival high street mortgage lender, also defied experts@ predictions. The average UK house price peaked at just over £292,000 in September last year, but now stands at £278,600, back at where prices were at the beginning of last year..

PAWNBROKER SHINES Ramsdens, the pawnbroker and jewellery retailer, expects full-year pre-tax profits to hit at least 10 million, up from £8.4 million in 2022. In a trading update for the year to September 30, Ramsdens said that it continues to benefit from the strength of its diversified business model.

COSTS THREATEN ZOMBIE FIRMS Tens of thousands of so- called "zombie" companies will fall prey to rising interest rates and inflation in the coming months according to the boss of Begbies Traynor. Ric Traynor, executive chairman of the insolvency specialist, predicted that highly indebted companies that have only managed to cling on thanks to cheap borrowing costs will fall over the next 18 months.