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Small business factoring & invoice discounting

Opt for one of the top factoring companies in the UK

The Supplier

Key figures Companeo Agreed Supplier since : October 2006

Detail of the offer

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Main benefits: With up to 90% of the value of each invoice available almost immediately, you can put your income to work now - not later. Unlike some other factoring companies, the main difference is that you will have the strength of RBS Invoice Finance Limited, part of RBS group, working on your behalf to collect the debts.

ebt factoring. Invoice factoring. Invoice discounting. Asset based lending. There are lots of different names for the services RBSIF offer. However, one theme remains the same: they turn your unpaid invoices into cash which you can put to work immediately.

How bad debt protection works

Designed to complement your Invoice Finance agreement, Bad Debt Protection is an affordable solution that mitigates the impact of bad debt caused by the formal insolvency of a customer, giving you certainty of payment when things go wrong. The service can put you ahead of your competitors, allowing you to take on more business and grow with confidence without the worry of bad debt if any of your customers go into formal insolvency.

87%⁽¹⁾ of RBSIF existing clients would be willing to recommend them

RBSIF only pay a maximum of 90% of the invoice amount. What happens to the rest?

The 90% is the usual upper limit for the initial payment made. However, RBSIF certainly do not keep the remaining 10%. This is paid when your customer settles the invoice, minus RBSIF service charges. Service charges pay for the collection service - when RBSIF collect money on your behalf.

Why is factoring more expensive than invoice discounting?

With factoring, RBSIF process payments and deal directly with the clients who owe you money. With invoice discounting, your business would have to perform all these functions.

Export and import: the support you need to trade overseas

Support in multiple currencies. Multi-lingual collections teams. A wealth of local knowledge. With RBS Invoice Finance, export and import doesn't have to be complicated. Find out how our specialist team can support your plans, and help make your international sales run as smoothly as your domestic ones.

Invoice finance: choose the right option for your business

They offer the same basic benefits - essentially by turning your invoices into cash
	Invoice Discounting	Factoring
Immediate cash injection of up to 90% of the value of your unpaid invoices (balance, less our service charge, paid later)
Anonymous - your clients don't need to know you're using the service		X
RBSIF collect payments for you - full sales ledger service	X
Funding grows with your sales
The same level of finance on all approved sales
Funding exports
Protection from bad debts (Optional)

With invoice discounting, your customers won't know you're using the service.

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* Source: Business Money Receivables Review 2007, 03/2008 (1) Source: RBSIF Client Satisfaction Survey, April 2008 based on 196 respondents.

RBS IF

Small business factoring & invoice discounting from supplier RBS IF - Companeo advises you:

Opt for one of the top factoring companies in the UK

» With up to 90% of the value of each invoice available almost immediately, you can put your income to work now - not later. Unlike some other factoring companies, the main difference is that you will have the strength of RBS Invoice Finance Limited, part of RBS group, working on your behalf to collect the debts.

This offer is part of: Factoring & Invoice Discounting. Look up an offer in Factoring & Invoice Discounting:

» With up to 90% of the value of each invoice available almost immediately, you can put your income to work now - not later. Free Quotes within 48H. Unlike some other factoring companies, the main difference is that you will have the strength of RBS Invoice Finance Limited, part of RBS group, working on your behalf to collect the debts.

Ask for a quote in Factoring & Invoice Discounting