Break free from financiers' normal securities and manage business your way.
Invoice Discounting is a financial solution to a business' working capital needs. It provides a flexible line of credit linked to the level of accounts receivable, whilst leaving the business to maintain full control of their debtors ledger.

In what ways is Oxford's Invoice Discounting product different?

• Increased funding - up to 90 percent of debtors.
• A charge over Floating Assets only, so leaving all Fixed Assets unencumbered
• Integrity Only Guarantees rather than the usual all encompassing Personal Guarantees.
• Meet with the Credit Team that make the decisions .
• A Refinance Team on the client's premises ensures a seamless switch.
• More competitive charges.

Invoice Discounting is ideally suited to the following businesses:

• Wanting to break free from the usual securities sought by financiers.
• Want to leave the business' Fixed Assets unencumbered for sale or refinance without hindrance.
• Owners seeking peace of mind that their funding line is secured by the business itself, not their personal assets.
• Owners who would like to meet the Credit Team to ensure fully informed decisions are made.
• Seeking a working capital facility to assist with business growth or to take advantage of an opportunity.

General qualifying criteria for Invoice Discounting:

• Annual sales of $12m - $150m
• Profitable trading & have a clear credit history
• Strong management team and IT systems
• Spread debtors ledger

How Does Invoice Discounting Work:

The process is simple. An agreement is signed that Oxford will buy both your present and future debts. This results in an initial cash injection of up to 90%of your debtors ledger into your business.

When you have raised an invoice for goods you have delivered, or services you have provided, we will pay you up to 90% of the value of that invoice within 24 hours.

Your customers are not aware of the arrangement and pay you direct. You then remit the funds to Oxford. You are then refunded the remaining 10% less a small fee.

To discuss your business cash flow requirements contact us directly on 1800 850 509 or Enquire Online.