We are here to manage your working capital solution with experience

All businesses experience growth. In order to grow, a combination of time and money is essential. Whether funds are required to acquire assets, manage an increasing wage bill, or purchase supplies, Flexible Capital will match you with the right loan.

Debtor Finance

Debtor finance allows clients to draw funds early against invoices that have been issued to debtors, rather than waiting for the debtor to pay; essentially a line of credit secured by your debtors ledger.

If your business provides goods or services to other businesses on terms, then debtor finance is an essential solution to manage your cashflow.

There is generally no requirement for real estate security, and the facility limit is able to grow in line with your business.

There are 3 simple steps involved with a Debtor Finance facility:

  1. Upload an invoice/s
  2. Within 24 hours, up to 90% of the invoice value will be transferred to your account
  3. Upon receipt of payment from the debtor, the remaining balance (less discount fee) is transferred to your account

This product is commonplace in the manufacturing, wholesale, construction and labour hire industries (amongst others).

Flexible Capital is the market leader in working capital solutions for business.

Selective Invoice Finance

Selective Invoice Finance allows clients to draw funds early against invoices that have been issued to debtors, rather than waiting for the debtor to pay.

The main benefit of the Selective Invoice Finance product is that you (the client) is able to pick and choose which invoices you wish to fund. There are no establishment or ongoing fees; the product is simply pay by use.

If your business provides goods or services to other businesses on terms, then Selective Invoice Finance is a flexible solution to manage your cashflow.

There is generally no requirement for real estate security, and there is no facility limit (i.e. if you are able to invoice, then generally the invoice is able to be funded).

There are 3 simple steps involved with a Selective Invoice Finance facility:

  1. Upload an invoice/s
  2. Within 24 hours, up to 90% of the invoice value will be transferred to your account
  3. Upon receipt of payment from the debtor, the remaining balance (less discount fee) is transferred to your account

This product is commonplace in the manufacturing, wholesale, construction and labour hire industries (amongst others). Yes – progress claims may be funded!

Trade Finance / Import Finance

If your business is involved in the purchasing of goods, then a Trade Finance facility may be an essential tool.

Trade Finance can be used for both domestic and overseas suppliers.

The product works as follows:

  1. Client (you) order goods
  2. Payment is made to supplier
  3. Client (you) may defer repayment for up to 3 months

Flexible Capital has access to products that don’t require cumbersome Letters of Credit, or property security.

Supply Chain Facilities

Supply Chain Finance is an innovative product that provides benefits for both the client and the supplier.

This product allows suppliers to take early payment (using the financiers funds), which assists them in managing their cashflow (building loyalty and strengthening the supply chain). The client (you), also has the option to defer payment to the financier for up to 90 days, in order to assist with managing your cashflow.

Each time the supplier chooses to take early payment, the client benefits from a profit sharing rebate.

The process is simple:

  1. Supplier uploads invoice, and nominates the date they wish to receive payment
  2. Client approves invoice, and nominates the date they wish to make payment
  3. Supplier receives payment on nominated date, and client makes payment on nominated date

The product is 100% selective; suppliers only incur a fee if they choose to take early payment, and clients only pay a fee if they choose to defer payment.

This product is already starting to displace traditional debtor finance facilities, and facility limits are available from $50,000.00 to $50,000,000.00

Are you getting the best deal in terms of service and price from your bank?

Are you getting the best deal in terms of service and price from your bank? Have you considered going out to market to find a different financial institution who will better meet the requirements of you and your business? Speak to Flexible Capital to ensure your loan is the best possible in terms of structure, facilities, service and price.

Get in touch

Like to find out more? We have the solution.

Call us on 13 2 FLEXIBLE or request a call.

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