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A key for unlocking cash


The Birmingham B2B community is a major player in reigniting the UK economy. Its role as a key manufacturing and distribution hub is essential in rebuilding trade to pre-Covid levels and beyond. As we emerge from the current crisis, with government-backed facilities being repaid and businesses ramping up trading, demands on working capital will be greater than ever before.

In order for your business to succeed, you need access to liquidity. Businesses don’t fail because they become loss making, they fail because they run out of cash. What many owners and directors aren’t aware of is that they don’t have to wait to get this cash.

Invoice Finance could be the perfect solution to put cash in your hands when you need it most. In fact, it was singled out by the British Business Bank as “a leading option for helping smaller businesses recover” in their Small Business Finance Markets 2020/21 report.

The facility fills the gap between when you invoice your customers and when they pay. As your trading increases over the coming months, the level of funding you could access will also increase. Put simply, the more invoices you send to customers, the more outstanding debt you can borrow against.

Is invoice finance right for you?

Any B2B business that trades on payment terms can use invoice finance to access additional cash flow for day-to-day running or expansion. It’s simple and efficient and allows you to focus on the parts of your business that you love, instead of worrying about when your next payment will come through.

Reduce the usual 30, 60 or even 90 day waiting period to under 24 hours. When you raise an invoice with your customer, you can share these details with us and access that cash straight away.

A different route for your ongoing funding

As a specialist invoice finance company, we can complement a bank’s offerings or remove the need for traditional lending entirely. We operate under lighter regulations and have efficient automated systems meaning we can cost effectively service companies with turnovers ranging from £100,000 to £15m.

Invoice finance is the life blood of many industries and a clear solution for companies that feel they have been left behind by the big banks.

A service you can trust

Understanding your business and its needs is key to getting the most out of your funding facility. That’s why we focus on excellent service, flexibility and understanding through our highly experienced team. Having a real-life person to speak to supported by technology, automated payments and online platforms makes getting the cash you need as simple and quick as possible. Clients find our service invaluable and frequently recommend us to their friends and colleagues.

Our doors are always open to small and medium businesses for support and advice. We’re passionate about SMEs and the impact they make on our economy. Being nimble and agile in the current economy is a must and because of this we’re able to help businesses when the larger establishments can’t.

 Benefits of our invoice finance

-Day-one access to cash. Funds can be in your account within 24 hours of approval.

-Free up your time and let our credit controllers chase payments.

-Mobile ready systems let you request cash from the office or on the job.

-Lending is secured against your existing sales ledger.

-Sustainable source of funding that grows with your business.

-Bad debt protection can offer additional security if your customers can’t pay.

Supporting the Birmingham B2B community

In Birmingham alone, we’re currently funding a range of companies including security services, chartered accountants, and vehicle leasers, allowing them to support the wider Birmingham business community with their B2B products and services.

All around the UK, B2B SMEs like yours are using our services to support their working capital, expansion costs, and management buy-ins/outs. So far we’ve put over £300 million into the hands of British businesses and we have a keen appetite to support more. Unlock the cash tied up in your unpaid invoices.

*To learn more about how we can support your business and its future goals, email info@optimumfinance.co.uk or call 0117 403 7225 and speak to our team.

This advertisement feature appeared in the July/August edition of Birmingham Business


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