Cashflow Solutions

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Cashflow finance is a specialised form of finance that accommodates a business’ need to access flexible funding, either to support growth or provide working capital to overcome difficult trading conditions. This is done through a process generically known as debtor finance.

Debtor finance (also known as Factoring or Invoice Discounting) is the process of providing finance by selling a business’ debt receivables in return for immediate access to funds until the debt is paid by the customer.

Debtor finance is ideal for businesses that are:

  • Starting up and encountering resistance from banks
  • Expanding through acquisition
  • Undergoing rapid expansion but struggling to finance the growth
  • Restructuring and recapitalising their operations
  • Facing challenging trading conditions and needing financial support
  • Unable to increase their funding due to the constraints of their existing lenders

Hermes has a number of different debtor finance products designed to address the specific needs or working capital requirements of different businesses.