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Factoring
Invoice Finance
Cash �ow solutions
Invoice Finance... with a pulse
The heartbeat of any business is its cash �ow and selecting the right provider will
probably be the most important decision you will make this year
SBF will be happy to give you access to current clients in your area who will provide
you with �rst hand knowledge of how our service compares to the brochure.
One call, no forms and we will put you in touch today.
When did your business last review its funding arrangements?It makes good business sense to review your funding arrangements every so often
to ensure that you have the best agreements in place.
When the time comes, it’s also a good idea to evaluate the company who has your
arrangements in place and ask yourself if you are dealing with the best on the
industry.
Allowing greater �exibility
We pride ourselves on the relationships we forge with our clients and we have
helped hundreds of businesses unlock the working capital in their sales ledgers
The last two years of economic turmoil have seen unprecedented levels of strain
on the SME sector as the banks have proved ‘unable to assist’ or require
unpalatable level of security.
Through these turbulent times SBF have stuck to the principles of supporting
owner-managed businesses by o�ering a �exible and pragmatic approach to
invoice �nance.
We understand that many businesses will �nd themselves struggling for cash as
some point and we have a dedicated team of decision makers that can assist.
There are no remote ‘Corporate Lending Units’ within SBF and all decisions are
made by the management team within our regional o�ces.
The SBF Ethos
Our ethos is simple. Skipton Business Finance aim to help create wealth and
employment in the UK economy
With no shareholders, and run purely for the bene�t of its members, Skipton Building
Society gives Skipton Business Finance unique status in that we are 100% owned by
a mutual building society which has been serving its members for over 150 years.
If you are looking for a di�erent approach, a customer-focused service and an
institution of integrity and strength that has emerged from the recent economic
crisis with great credit and no burden to the tax payer, then perhaps you should
be speaking with us today.
IndependentWe work alongside banking facilities from all the UK clearing banks and can provide
a standalone facility without the hassle of having to change banks.
SBF combines the �exibility and access to key decision makers you only get from an
independent whilst providing the vital ingredient of �nancial strength that other
independents cannot o�er. If you want the best of both worlds then SBF is the only
choice.
CommercialA pioneer in understanding the future potential of our clients and not simply looking
at historical �nancial performance, we have enjoyed great success working with UK
businesses who, when given access to additional working capital, go on to �ourish and
reach their true potential.
All decision on client acceptance are human decisions, with no scorecards and no
“computer-says-no” mentality.
What we do
Imagine the bene�ts if all your customers paid you in 24 hours. That’s why more
and more businesses are turning to us to assist with their cash �ow
FactoringThis is the process of releasing cash tied up in outstanding invoices. Skipton Business
Finance will advance up to 100% of the value of invoices outstanding on your sales
ledger, allowing you to put the cash to work without waiting for payment.
Con�dential Invoice DiscountingThis is a form of invoice �nance which allows you to immediately release cash tied up
in unpaid invoices, allowing you to put cash straight back in the business as soon as it
has been earned.
You continue to invoice and collect the invoices in the normal way and the service is
con�dential so your customers will notice no changes.
CHOCSStanding for "Customer Handles Own Collections Service", this facility means that
client undertakes their own debt chasing work whilst Skipton Business Finance pro-
vides �nance against their sales ledger.
Enterprise Finance GuaranteeSkipton Business Finance has been selected to join an exclusive panel of lenders who
can o�er the government’s EFG scheme. This additional support via a term loan can
be used in addition to traditional working capital facilities to provide access to
increased levels of funding.
Who uses us?
We work with UK registered businesses who sell goods and services to other
businesses based in the UK on standard credit terms not exceeding 120 days
Our funding lines started from as little as £25k and currently go up to £5m.
Our existing clients range from new start’s to established businesses with annual
sales of up to £30m. In 2011, Skipton Business Finance will have served the SME
sector for 10 years, providing them with a range of Invoice Finance, Factoring and
Cash Flow solutions.
Over these 10 years, we’ve built up a wide range of experience in sectors such as the
Transport & Logistics, the Print industry, Manufacturing and the Manpower sector
among many, many others.
Our commercial stance means that our experienced sta� use a common-sense
approach and never use a system-style methodology to our underwriting.
This gives greater �exibility in our approach to lending and means we are able to
provide funding in many cases where the business may have already been turned
down by their bank who have failed to see the future potential in the proposition.
Our �exible criteria allows us to serve the following:
- Sole Traders, Partnerships, Limited Companies and PLC’s - Transactions including acquisitions, MBOs & MBIs - New starts & Long established - Pro�table & Non Pro�table - Businesses in a CVA or with existing crown arrears - Phoenix Businesses - Re�nancing & Restructures
Get in Touch
0845 602 9354
skiptonbusiness �nance.co.uk
The Bailey, Skipton, North Yorkshire, BD23 1DN