Ashley Finance, operating in Manchester and across the UK, provides invoice finance and asset-based lending solutions to businesses. They cater to companies seeking to improve their cash flow and unlock capital tied up in unpaid invoices or assets. Their core offerings revolve around enabling businesses to grow, manage working capital more effectively, and navigate periods of expansion or financial challenge.
Invoice finance, their primary service, allows businesses to receive a significant portion of the value of their invoices almost immediately. Instead of waiting for customers to pay, Ashley Finance advances funds against those invoices, typically up to 90% of the invoice value. This injection of cash can then be used for various operational needs, such as paying suppliers, investing in growth initiatives, or covering day-to-day expenses. Once the customer pays the invoice, the remaining balance (minus fees) is released to the business.
Ashley Finance typically offers two main types of invoice finance: invoice factoring and invoice discounting. With invoice factoring, they take on the responsibility of collecting payments from the business’s customers. This can free up the business’s time and resources, allowing them to focus on their core operations. Invoice discounting, on the other hand, allows the business to retain control over its credit control processes. They remain responsible for collecting payments, while Ashley Finance provides the funding. The choice between the two depends on the business’s preferences and resources.
Beyond invoice finance, Ashley Finance provides asset-based lending solutions. This involves securing funding against a company’s assets, such as inventory, plant and machinery, or property. Asset-based lending can be a valuable option for businesses that have significant asset holdings but may struggle to obtain traditional loans. This type of financing allows them to leverage their assets to access the capital they need.
The benefits of using Ashley Finance’s services are multi-faceted. Improved cash flow is a major advantage, allowing businesses to meet their financial obligations promptly and take advantage of growth opportunities. Access to working capital can also help businesses negotiate better terms with suppliers and avoid late payment penalties. By freeing up time and resources, invoice finance can allow businesses to focus on their core competencies and strategic initiatives. Furthermore, asset-based lending provides access to substantial funding that might not be available through conventional lending channels.
Ashley Finance positions itself as a partner to businesses, providing tailored solutions to meet their specific needs. They emphasize understanding the unique challenges and opportunities faced by their clients. Their Manchester presence allows them to serve businesses in the North West region with a localized understanding of the market. While offering financial products, they also promote a consultative approach, aiming to build long-term relationships with their clients and support their growth trajectory.
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