Confidential Invoice Discounting

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Is an Confidential Invoice Discounting right for you?

Confidential Invoice Discounting (CID) is an invoice finance iteration that allows a business to borrow money utilising their outstanding invoices (debtors) as collateral.

A business can typically borrow up to 90% of their outstanding invoices as a way of funding their working capital cycle, allowing them to grow more quickly.

With CID, the main difference over other forms of invoice finance are:

Confidential – the client’s customer (debtor) is not aware that the lender is involved. The facility is provided on a confidential basis.

Lender low touch – the lender provides the funding and very little else. All accounts functions are carried out by the company, not the lender. The low touch means that CID is usually the most cost-effective form of Invoice Finance.

At Sedulo Funding Solutions, we have access to the whole UK finance market and we make business finance easy.

Fancy booking a call (or meet-up) with our team of experts? We can get you a no-obligation quote.

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  • Confidential

    Being confidential to a client's customer means that it doesn’t have any stigma attached to the perception of invoice finance and leaves full control with the business owner.

  • Personal Security

    Because the collateral of the facility is the debtor book, there is a much smaller reliance on personal guarantees. We would expect PGs to be set at approximately 10% of the facility limit as opposed to 100% in many other cases.

  • Scalable

    Invoice finance supports business growth by providing additional working capital as debtors increase, making it an ideal solution for fast-growing companies.

  • Debtor protection

    A key risk to any business that trades on credit terms is the insolvency of the debtor. Invoice Finance can provide bad debt protection which safeguards a business from its customers going into liquidation, owing them money.

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    60k credit facility arranged for a car sales business

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  • Our Answers To Your Questions

    We’ve put together a list of common Business Loan FAQs. If there’s something you want to know and you can’t find the answer here, get in touch with our team of finance experts.

    To qualify for CIF, businesses typically need a stable client base, a good track record of invoice payments, and a solid credit history. Lenders will also assess the quality of your debtor book and the industry you operate in.

    The amount you can borrow with CIF depends on the value of your outstanding invoices. Typically, finance providers advance up to 90% of the invoice value. The facility can grow with your business, providing more working capital as your sales increase.

    The primary difference between CIF and traditional invoice finance is confidentiality. In CIF, the business retains control over credit management, and clients are unaware that invoices are being financed. In traditional invoice finance, the finance provider may take over credit control and collections, and clients are informed about the arrangement.

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    Whether you’re looking to obtain funding to take on the next stage of business growth or access working capital to cover costs, it’s important to have a team of experts on your side.

    Our experienced funding team operates out of each city centre office in Manchester, Leeds, Liverpool, London and Birmingham. We’re available to meet face-to-face so that we can better understand your business and talk you through your funding options, or we can assist over the phone – whichever you’d prefer!

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