Aldermore Invoice Finance: Fueling Business Growth

Aldermore Invoice Finance provides businesses with a flexible and reliable way to improve cash flow by unlocking the value tied up in their unpaid invoices. Instead of waiting the standard 30, 60, or even 90 days for customers to pay, businesses can access a significant percentage of the invoice value upfront, boosting working capital and enabling growth.

How It Works

The core principle is straightforward. When a business issues an invoice to a customer, they submit it to Aldermore. Aldermore then provides a pre-agreed percentage (typically up to 90%) of the invoice value, offering immediate access to funds. Once the customer pays the invoice, the remaining balance (minus fees) is released to the business.

Aldermore offers various invoice finance solutions, each tailored to suit specific business needs. Two primary options are:

• Invoice Discounting: The business maintains control over its sales ledger and credit control processes. Customers remain unaware that invoice financing is in place. This option is suitable for established businesses with a strong credit management infrastructure.
• Invoice Factoring: Aldermore takes on the responsibility of credit control and debt collection. This can free up the business's time and resources, allowing them to focus on core operations. It's often a good fit for smaller businesses or those seeking assistance with managing their accounts receivable.

Benefits of Aldermore Invoice Finance

Choosing Aldermore Invoice Finance offers several advantages:

• Improved Cash Flow: Access to funds tied up in invoices allows businesses to meet immediate obligations, invest in growth opportunities, and manage day-to-day expenses more effectively.
• Reduced Bad Debt Risk: Depending on the chosen service, Aldermore can provide credit control and debt collection services, mitigating the risk of non-payment and freeing up valuable time.
• Flexible Funding: The amount of funding available scales with sales, providing a dynamic solution that adapts to the business's growth.
• Access to Expertise: Aldermore's team provides expert advice and support, helping businesses optimize their cash flow management and navigate the complexities of invoice financing.
• Confidentiality: Invoice discounting, in particular, maintains confidentiality, ensuring that customer relationships are unaffected.

Who Can Benefit?

Aldermore Invoice Finance is a viable option for a wide range of businesses, including:

• Start-ups: Provides crucial early-stage capital to fuel expansion.
• Growing businesses: Supports scaling operations and meeting increased demand.
• Businesses with seasonal fluctuations: Helps manage cash flow during off-peak periods.
• Businesses seeking to improve credit control: Offers expert assistance in managing accounts receivable.

In conclusion, Aldermore Invoice Finance offers a comprehensive suite of solutions designed to empower businesses with the financial agility they need to thrive. By unlocking the value of unpaid invoices, businesses can improve cash flow, reduce risk, and focus on achieving their growth objectives.