Corporate Finance and Funding
We’re here to fund your business
At BFS we’ve built a team that combines market and funding expertise, enthusiasm and knowledge. The team can provide you with funding structures that release the value of multiple assets, and can also grow with your business.
If you feel restricted by traditional lending facilities and require a flexible approach to finance, our funding solutions could be the answer.
Meet the team
Regional Head of Corporate – Central and South
Steve Nixon
Steve has worked in Asset Based Lending and Invoice Financing for over 25 years, holding a variety of positions including many years as Southern Sales Director for one of the industry’s leading asset based lenders. Steve and his team offer financial solutions for our more complex clients.
Corporate Manager – North
David McIntyre
Following a 25 year career with the Bank of Scotland and Yorkshire Bank, David joined BFS over 9 years ago. BFS continues to progress its corporate offering, and he has been involved in a number of transactions for some of our largest and more complex client structures.
Assistant Corporate Manager – Scotland
Jennifer McGuffie
Jen has worked in the Finance industry since university and started her career with Lloyds Banking Group, specialising in Asset Finance. Moving into Invoice Finance when she first joined BFS in 2011, Jen has over 10 years’ experience with various funders in Invoice Finance and is experienced in Business Development and assisting the Scottish SME market in finding the right financial solution.
How we can help
We can help strengthen your cashflow and support growth opportunities. As borrowing costs increase, there’s never been a better time to find ways to release value from your business and reduce reliance on traditional lending solutions.
Business as usual
- Meeting day to day working capital needs
- Managing seasonal cashflow fluctuations
- Funding research and development
- Re-financing
Investing for growth
- Growth or expansion
- Securing new contracts
- Investing in your infrastructure
Business change
- Merger or Acquisition
- Restructuring your business
- Stabilising the business during turnaround
- Management buy-out or management buy-in
Our solutions
Cashflow and working capital
Invoice Discounting
Gives your client more immediate access to cash tied up in unpaid invoices. Your client retains responsibility for credit control.
Factoring
Gives your client more immediate access to cash tied up in unpaid invoices. We handle your client’s credit control.
Asset Finance
Allows your client to release cash from existing assets or remove the need for significant upfront investment. We offer Leasing, Hire Purchase and Refinancing solutions.
Cashflow Advance
Releases additional funding which, combined with the client’s core Invoice Finance facility, provides up to 100% of their approved sales ledger.
Cashflow Loan
Provides additional funding of up to 20% of your client’s Invoice Finance facility, ranging from £250k to £1m, to support acquisitions, debt refinancing, and growth opportunities.
Supporting International trade
Foreign Exchange
We offer spot conversions for immediate needs or forward contracts to minimise the risk of future currency fluctuations.
Export Finance
Helps exporters better manage overseas relationships, bridging the gap between raising an invoice and getting paid. Our specialist team provide language, currency, time zone and legal support.
Specialist solutions
Construction Finance
We advance cash against applications for payment and invoices. This allows your client to meet payment obligations through the various stages of a contract.
Contractual Debt Finance
Supports clients that work on a contractual basis. It advances funds against part payments within a contract.
Recruitment Finance
Gives your recruitment agency clients more immediate access to cash tied up in unpaid invoices, alongside credit control and payroll support.
Bad Debt Protection
Used alongside Invoice Financing to give your client peace of mind by protecting their business against the impact of a customer’s insolvency or inability to pay.
Why choose BFS
Some of our client highlights
READ OUR CLIENT CASE STUDIES
£3m
We funded retail point-of-sales manufacturer, Kesslers London Ltd, with a £3 million Invoice Discounting package enabling them to upgrade their factory facility and safeguard local workforce.
- Product:
- Invoice Discounting
- Sector:
- Retail
£1.25m
We provided a £1.25 million Invoice Discounting facility to Electrification Construction Services, a leading labour provider into the rail and civil engineering sector to provide funding against application for payments.
- Product:
- Invoice Discounting
- Sector:
- Recruitment
£3m
We supported a group of three companies who provide coach hire, fleet services and equipment transport services with a £3 million confidential Invoice Discounting funding line. Our facility will support the businesses ambitions to continue their growth strategy and expand their market share.
- Product:
- Confidential Invoice Discounting
- Sector:
- Transport
£2m
We provided a £2 million Confidential Invoice Discounting facility to support the growth aspirations of Midlands-based logistics business, which was subject to an MBO in 2022. Our client chose to work with us due to our expertise within the logistics industry and our ability to fund contractual debt.
- Product:
- Invoice Discounting
- Sector:
- Logistics
£1.25m
We funded the acquisition of a Midlands-based cash and carry business, using a combination of a £1m Confidential Invoice Discounting facility alongside a £250k advance through our Cashflow Advance solution. The two year loan with a six month repayment holiday, alongside the invoice discounting facility, enabled our client to purchase 100% of the business shares.
- Product:
- Confidential Invoice Discounting and Cashflow Advance
- Sector:
- Wholesale
£8m
We supported an established recruitment business through a restructure with an £8m Confidential Invoice Discounting facility. The business was particularly hard hit by the Covid-19 pandemic and required our facility to support the management team in taking the business forward, and secure the employment of circa 2000 workers. We were able to deliver a swift turnaround for the client to give them the timely support they needed.
- Product:
- Invoice Discounting
- Sector:
- Recruitment