Cashflow Solutions

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.