FaCTS Alchemy
A unique brokerage service linking potential users of Asset Finance to their future partners - Building Golden Relationships

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Who are FaCTS Alchemy?
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What is ABL?
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What is Asset Based Lending and how does it work?

Factoring and Discounting are services that provide increased working capital to growing companies by purchasing their sales invoices as soon as they are raised.

The factor will normally pay out around 80% of the invoice value immediately, and the balance once the debt is paid

The charges for this service are a 'Factoring or Service fee' and a cost of money 'Discounting Fee'.

If the funding released can be effectively utilised in your business the costs can easily be covered by increased profitability

The factor will also carry out the credit control service, liaising closely with you as to the best collections approach

Discounting is similar to factoring, the main differences being, you handle your own credit control and the arrangement is often confidential (i.e.. your debtors don't know of the involvement of a factor.

Asset Based Lending encapsulates factoring and discounting but offers a range of other, more specialised financial services, such as stock finance, floor planning for capital goods, transactional finance and trade finance (both products supporting the purchase of goods.

The UK's market for these services is becoming increasingly complex with many players offering a wide range of what can sometimes be confusing products.

FACTS Alchemy can guide you to the perfect partnership.