Working Capital

Invoice Discounting

The funds tied up in your business sales invoices can restrict cashflow if your customers are slow to pay on the terms agreed. Invoice discounting is form of finance that allows you to release a high percentage of the value of the invoice, including VAT, at the point the invoice is paid. This allows for the level of funding available to be directly linked to the value of outstanding invoices.


  • Upto 90% of the value of the invoice, including VAT, can be released at the point the invoice is raised
  • You continue to manage your customer relationship and collect the debts due
  • You can fund against single invoices or the whole of the sales ledger
  • The level of funding increases the higher the level of sales the business achieves
  • Additional funds can be made available periodically to cover essential payment, VAT or HMRC payments for example.

Unsecured Business Loan

The team at HAE EHA Commercial Finance have relationships with several Unsecured Business Loan providers including Peer to Peer, high street banks and specialist loan providers, helping small businesses to borrow anywhere from £3,000 to £1 million.

We will normally ask for some financial information including up to date trading information, recent year end accounts and and details of your plans for the funds.

You can use an Unsecured Business Loan for many different purposes including:

– Working capital to manage cash flow
– New asset purchase including vehicles, plant and equipment
– Expansion capital
– Refurbishment loans
– Finance for one-off costs such as legal fees or tax liabilities

An Unsecured Business Loan can be agreed in as little as 24 hours with funds released in a matter of days, giving you access to funds when you need it most.

Secured Business Loan

Lenders may require security where the perceived risk is higher, either as result of the amount being borrowed or because of the risk profile of the business or reason for borrowing. Where this is the case we can assist you by sourcing a Secured Business Loan through one of our many lending providers.

Security can take many forms including, a third-party guarantee, a first or second charge over property, cash or stocks & shares, company assets etc. Even works of art or valuable jewellery are considered by some lenders.

As with an Unsecured Business Loan, the funds raised from a Secured Business Loan can be used for many different purposes and agreed over terms from one month to twenty years.

As the cost of arranging security is charged in addition to an arrangement, lenders tend to look at an Unsecured Business Loan for smaller amounts therefore a Secured Business Loan would normally start from £25,000 but can be arranged for several million with suitable security and a proven ability to repay the loan.

Stock Finance

As part of a facility linked to either an invoice discounting, factoring or trade finance facility a working capital loan can be provided to enable clients to buy raw materials and stock utilising this additional loan. The lender takes a security over the existing stocks in the business at an agreed value and provides a loan facility as an agreed percentage of the stock valuation.

Get in Touch


Asset Finance

Working Capital

Property Finance


Highgrove, 32 Franklin Way, Barrow upon Humber, North Lincolnshire, DN19 7BJ

Telephone: 01522 420499

HAE Commercial Finance is a trading style of ECS Management Services Limited. ECS Management Services Limited, trading as ECS Group, are directly authorised and regulated by the Financial Conduct Authority (Registration Number 777473).

ECS Group are a commercial finance brokerage and not a lender. All quotations are subject to formal credit approval.