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

info@skiptonbf.co.uk

skiptonbusiness �nance.co.uk

The Bailey, Skipton, North Yorkshire, BD23 1DN