Regency Factors Ltd’s Post

Supplier payments can have a real impact on your business and its cash flow. If you are a growing business having to pay suppliers upfront, whilst offering credit terms to customers, you may benefit from a facility to help make payments. Here are some of the solutions available to businesses: 💷 Trade Finance – this revolving credit facility is an excellent solution if you are importing finished goods against confirmed orders. 💵 Purchase Finance / Supplier Finance – this can be used to pay suppliers when there is no confirmed order - essentially, you will be bringing the goods in to stock. 💶 Stock Finance – this can be used to leverage funding against stock that is already in your warehouse. Typically, it is only suitable for larger facilities where there is stock in excess of £1m. It needs to be linked with an invoice finance facility and you need a regular stock turn 💴 Buy Now Pay Later - a short term solution to help pay invoices over a term of up to 12 months - no requirement for PGs or debentures Get in touch if you'd like to learn more. #tradefinance #purchaseorderfinancing #cashflow #workingcapital #supplychainfinance #businessfinance

Supplier Finance - we are seeing an increase in demand for supplier finance facilities, both as stand alone funding and as a bolt on to invoice finance facilities. It is a facility used to pay suppliers, as the name suggests. It offers you 120 days credit to repay the facility. It operates like an overdraft and there is no charge when it is not being used. It is often used like a trade finance facility and can be useful when confirmed customer orders are not in place which makes trade finance unsuitable. In a way it acts a bit more like a stock facility. Personal guarantees are required. #business #finance #entrepreneur

Paying suppliers can often be a major cash flow challenge but there are a number of finance options that can assist. Here are some options: 🔹 Trade finance - this is where you have a confirmed order and want to access finance to pay a supplier before the goods are shipped. The key part here is the confirmed order. 🔹 Supplier/Purchase finance - this is similar to trade finance but you don't need the confirmed order. 🔹 Invoice finance - this is where you are borrowing against outstanding invoices issued to customers. This is potentially the cheaper option; however, it is important to understand the timing that you can access the funds. You need to have delivered the goods or service to the customer. You can also use a mix of the above to finance your trade cycle. #business #finance #entrepreneur

Did you know you can use #TradeFinance combined with #InvoiceFinance to optimise your cash flow across the entire trade cycle? #TradeFinance helps you to import or purchase materials/stock while #InvoiceFinance helps to bridge the gap while waiting for your invoices to be paid. A dazzling duo for business growth! 🤝 #businessfinance #managingcashflow #SMEs

Supplier payments can have a real impact on your business and its cash flow. If you are a growing business having to pay suppliers upfront whilst offering credit terms to customers, you may benefit from a facility to help make payments. Here are some of the solutions available to businesses: 💷 Trade Finance – this revolving credit facility is an excellent solution if you are importing finished goods against confirmed orders. 💵 Purchase Finance / Supplier Finance – this can be used to pay suppliers when there is no confirmed order - essentially, you will be bringing the goods in to stock. 💶 Stock Finance – this can be used to leverage funding against stock that is already in your warehouse. Typically, it is only suitable for larger facilities where there is stock in excess of £1m. It needs to be linked with an invoice finance facility and you need a regular stock turn 💴 Buy Now Pay Later - a short term solution to help pay invoices over a term of up to 12 months - no requirement for PGs or debentures Get in touch if you'd like to learn more. #tradefinance #purchaseorderfinancing #cashflow #workingcapital #supplychainfinance #businessfinance

💰Why is cash flow so hard to manage? There are two essential reasons: firstly, operational expenses can be heavy. 🦥 Secondly, on the other hand, payments can take way too long in this industry, because invoice terms are often quite lengthy, and some customers are slow to pay. 🚚 Therefore, many freighting companies are often stuck between heavy costs and slow income. That is why it can be so difficult to keep a steady flow of cash. This article will help you take control of your cash flow. 💸 https://rpb.li/p7YInh #CashFlow #FreightFactoring #TruckingCashFlow

𝐖𝐡𝐚𝐭 𝐚𝐫𝐞 𝐬𝐨𝐦𝐞 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬 𝐟𝐨𝐫 𝐦𝐚𝐢𝐧𝐭𝐚𝐢𝐧𝐢𝐧𝐠 𝐚𝐧𝐝 𝐢𝐦𝐩𝐫𝐨𝐯𝐢𝐧𝐠 𝐜𝐚𝐬𝐡 𝐟𝐥𝐨𝐰? ✴ 𝑵𝒆𝒈𝒐𝒕𝒊𝒂𝒕𝒆 𝑷𝒂𝒚𝒎𝒆𝒏𝒕 𝑻𝒆𝒓𝒎𝒔 Work with suppliers to negotiate longer payment terms. This will give you more time to pay while maintaining positive cash flow. ✴𝑻𝒂𝒌𝒆 𝑨𝒅𝒗𝒂𝒏𝒕𝒂𝒈𝒆 𝒐𝒇 𝑬𝒂𝒓𝒍𝒚 𝑷𝒂𝒚𝒎𝒆𝒏𝒕 𝑫𝒊𝒔𝒄𝒐𝒖𝒏𝒕𝒔 If offered, consider paying early to take advantage of discounts, but only if it won't strain your cash flow. ✴𝑺𝒕𝒂𝒈𝒈𝒆𝒓 𝑷𝒂𝒚𝒎𝒆𝒏𝒕𝒔 Align your payment schedule with incoming cash flow to prevent shortages during high-expense periods. 📳If you believe your business could benefit from this, let's schedule a call at https://lnkd.in/gJ3VRZyg to discuss how I can help.

💥How do you finance supplier payments? 🔹 If you have a confirmed order for finished goods and your supplier needs paying before they will release the goods then Trade Finance is a potential solution. 🔹 If you are getting credit terms from your supplier but you stock days + customer credit terms are greater than your supplier credit terms then an Invoice Finance might be the best solution. 🔹 If you need to pay the supplier upfront but don't have a confirmed order then Supplier Finance/Purchase Finance could be the answer. These will all provide access to cash to pay suppliers but are subtly different in terms of criteria and the timing you can access the funding. #finance #business #entrepreneur

Did you know that invoice finance is a vital cashflow solution for transport businesses? It allows hauliers and other transport companies to focus on their core operations without the constant worry of delayed payments from customers. By unlocking the value of outstanding invoices, transport businesses can: ✅ Maintain smooth operations ✅ Meet their financial obligations on time ✅ Invest in growth opportunities At Compare Factoring, we understand the financial dynamics of the transport industry and offer tailored invoice finance solutions for your business. 👇 https://lnkd.in/e6gxzc_y

Businesses working with customers that insist on long payment terms can be challenged by a slow and inconsistent cash flow which can make competing with those that can offer longer terms even tougher. Whilst not all such terms have to be agreed to, allowing a more flexible window of payment can offer a competitive advantage against other suppliers. This is where invoice finance can help you win even more business. You can offer terms that compete with others and get paid straight away so that there is no adverse impact on your cash flow. To find out more, please visit: https://lnkd.in/ds3B7MM #TeamOptimum #Cashflow #Factoring #SME #BusinessInsights