Innovative Consulting Solutions for im&co ltd
Invoice & Cashflow Finance
Invoice & Cashflow Finance
What it is:
A cash advance based on outstanding customer invoices. Rather than waiting 30–90 days for clients to pay, you get access to funds immediately.
Two types:
- Invoice Factoring – Lender manages collection from customers
- Invoice Discounting – You keep control of collections
Why it's useful:
- Improves cash flow
- Reduces payment delays
- Helps manage growth and operating expenses
Unsecured Business Loans
Invoice & Cashflow Finance
These are custom funding options designed to meet the specific needs of different industries or business models.
This could include:
- Bridging Loans
- Business Loans
- VAT Loans
- Development Finance
- Commercial Mortgages
- Revolving Credit Facilities
Asset Finance
Debt Consolidation
What it is: A way for businesses to acquire equipment, vehicles, or machinery by spreading the cost over time.
Types include:
- Hire Purchase – Own the asset after paying in instalments
- Lease – Use the asset while making fixed monthly payments
Why it's useful:
- Preserves cash flow
- Enables investment without large upfront costs
Debt Consolidation
Debt Consolidation
What it is:
A loan that combines multiple existing debts (e.g., credit cards, personal loans) into a single monthly repayment—usually at a lower interest rate.
Why it's useful:
- Simplifies your finances
- Reduces monthly payments
- May improve your credit score over time
Stocking Finance
Merchant Cash Advances
What it is:
A short-term loan that helps businesses buy stock (inventory) in bulk to meet customer demand before sales are made.
Why it's useful:
- Boosts stock levels during peak seasons
- Improves buying power and supplier terms
- Keeps shelves full without straining cash flow
Merchant Cash Advances
Merchant Cash Advances
What it is:
A flexible funding solution where a business receives a lump sum upfront and repays it through a percentage of daily card sales.
Why it's useful:
- No fixed monthly repayments
- Ideal for retail or hospitality businesses with card transactions
- Approval is based on sales, not credit score