2. Your invoices represent one of
your most valuable business assets
however, until they are paid, they are not contributing
to your cash flow. However positive your sales may be,
you can’t continue to grow without good cash flow.
A fast, flexible, cost-effective
solution to cash flow and
working capital problems
You need a solution to enable you to:
• Pay your creditors on time
• Qualify for prompt supplier payment discounts
• Maintain your credit rating
• Continue your business growth
In these difficult economic times your bank may be
unable to help, turning your invoices into cash
is just good business sense.
3. Invoice Discounting
The Interface Financial Group provides a simple, proven,
internationally accepted and trusted solution to cash flow funding,
commonly known as invoice discounting, often called ‘spot
factoring’. The Interface solution is not traditional factoring
– where a business is funded from its debtors ledger – it’s
much simpler and more user-friendly. Most importantly,
no contractual commitment is required to use the
service. The benefits are tangible, cost-effective and
most importantly only days away. As your business
grows, our service will grow with you.
YOUR COMPANY
1 2 3 4
PROVIDE ISSUE SELL FUNDS
GOODS/ INVOICE INVOICE INVOICE
SERVICES
THE INTERFACE
FINANCIAL GROUP
PAYS INVOICE
ON DUE DATE
YOUR CUSTOMER 5
The Interface Financial Group
A user-friendly service
Put simply, we purchase one or more of your current
invoices at a discount. You don’t have to wait for your
customer payment – that’s our role. When your customer’s
due date for payment arrives, they pay the full invoice value
to Interface.
4. Once you contact us, we undertake a due diligence programme that typically takes a
few days. Once completed, you are at liberty to offer one or more invoices to us for
purchase.
On receipt of these invoices we check the credit of the debtor named on the invoice
and also that the sale represented by the invoice has been completed satisfactorily.
Once this is completed the debtor is advised of the purchase by IFG and you are paid
for the invoice.
At the end of the credit period the debtor makes payment directly to IFG and the
transaction is complete.
With your cooperation, we can complete an initial A solution to fund your growth
funding transaction very quickly. Subsequent If you have a sound business and your customers
funding transactions can be completed in as little are other businesses (not consumers), we can
as 48 hours – as our initial due diligence of your work with you. The Interface invoice discounting
customer and the initial documentation has been service is not restricted by industry or by scale of
executed, our process and documentation is transaction. Funding can be provided for virtually
streamlined. any business selling a product or service on regular
credit terms to other businesses and all funding
Just imagine – within days of issuing the invoice
requests are considered.
you have the cash available to buy more materials,
Unlike banks or factors, we do not flatly reject you
acquire additional stock, take on more staff or
as a potential client merely because you have not
simply just pay those important creditors.
been in business for at least two years.
A cost-effective service Some of our clients have, in fact, only been in
Our fees are simply a small percentage of the business for a few months. And we do not instantly
invoice/s we purchase. There are no other costs reject you because you have a weak balance sheet
involved. Unlike other solutions, we can buy single or because you have experienced a negative credit
invoices or as many as you like, it’s completely up event in your recent past. We focus more on the
to you. We will buy invoices for any value. financial strength of your customers (the account
No minimums or maximums. debtors), those businesses who have an obligation
to pay your invoices.
As your sales escalate, so does the available funding.
5. Use it as you need it
Unlike conventional lending sources, like banks and
factors, what makes the Interface solution unique, is
that it is a user-friendly ‘use it as you need it’ financing
alternative in a cost effective framework. Because
each invoice purchase is a separate transaction and
does not form part of a portfolio lending approach,
Interface leaves you in control of your business and in
control of how much you use the service – there are
no long-term commitments and no monthly minimums.
You sell us outstanding invoices only when you want
or need to.
If you only need one-time funding, we can provide it.
Providing working
capital for business
6. Start to reap the benefits now
Starting to improve your cash flow couldn’t be simpler:
• We will discuss your requirements and send you an application pack.
• We will then review the paperwork, complete the necessary checks, and ask for any
additional information should we need it, which doesn’t require any cost or commitment.
• You then supply Interface with copies of invoices and we verify the details.
• We will arrange to visit your office to finalise the process.
• When everything is accepted we process your payment.
• Funding can be transferred to your account.
“ Developing a strong working relationship with Interface has allowed me to stop
worrying about cash flow. Any time I choose I can turn a portion of my invoices into
”
cash. The process is very simple and straightforward.
“ Interface has been a strong business partner in allowing our service-based
company an opportunity to realise immediate payment, when our industry standard
seems to be 40 days. We value IFG as a business partner in our continued growth
”
in our market. I would personally recommend IFG to anyone needing their service.
Just call us now on
Providing working
capital for business
0844 257 2348
fax 0845 519 7863
e-mail kdolby@interfacefinancial.com
or visit www.interfacefinancial.co.uk/dolby
to take control of your expansion and growth.
Interface is the leading alternative funding source for small business with offices in the
UK, Ireland, Australia, Canada, New Zealand, Singapore and the US.
