The best business lenders are all about funding for business growth… and flexibility is a key component

1. The power of ‘Yes’
What flexible enterprise
lending really looks like

2. Getting the right finance deal for
your business isn’t only about

3. Getting the right finance deal for
your business isn’t only about
Interest
rates
%

4. Getting the right finance deal for
your business isn’t only about
Interest
rates
How much you
can borrow
%

5. There are a host of other
factors to consider

6. There are a host of other
factors to consider
Is the finance package right for our
business?

7. There are a host of other
factors to consider
Is the finance package right for our
business?
Will it solve the challenges we face?

8. There are a host of other
factors to consider
Is the finance package right for our
business?
Will it solve the challenges we face?
Is it the best way to support our
growth and expansion plans?

9. Then there are questions to
ask about the lender

10. Then there are questions to
ask about the lender
How quickly will we be able to access cash?

11. Then there are questions to
ask about the lender
How quickly will we be able to access cash?
Will the amount we can borrow increase as our
business grows?

12. Then there are questions to
ask about the lender
How quickly will we be able to access cash?
Will the amount we can borrow increase as our
business grows?
Could our funding be cut – or withdrawn entirely
– at short notice?

13. Then there are questions to
ask about the lender
How quickly will we be able to access cash?
Will the amount we can borrow increase as our
business grows?
Could our funding be cut – or withdrawn entirely
– at short notice?
Does the lender have more to offer than
just credit? Business expertise? Day-to-day
support? A strong track record?

14. So, what is flexible
enterprise lending?

15. So, what is flexible
enterprise lending?
It’s all about:

16. So, what is flexible
enterprise lending?
Dynamic
finance
It’s all about:

17. So, what is flexible
enterprise lending?
Dynamic
finance
The right
service
It’s all about:

18. So, what is flexible
enterprise lending?
Dynamic
finance
A solid
reputation
The right
service
It’s all about:

19. So, what is flexible
enterprise lending?
Dynamic
finance
A solid
reputation
The right
service
Vital support and
protection
It’s all about:

20. So, what is flexible
enterprise lending?
It’s all about:
Take a look...
Dynamic
finance
A solid
reputation
The right
service
Vital support and
protection

21. Dynamic
finance
An inflexible lender will
Treat you as a number on a spreadsheet
Offer finance on a take-it-or-leave-it basis
Have a cumbersome, long-winded
application process
Review finance only once a year
But a flexible, dynamic lender will
Get to know your business to ensure you
get the right package
Work out what your business needs are
Work quickly to get you the finance you
need
Make credit available as soon as your
business needs it

22. The right
service
An inflexible lender will
Deal with you through call centres
Take little interest in your company
provided you meet repayments
Have little expertise or industry
knowledge to offer
Have no interest in supporting your
business’s wider goals
But a flexible, dynamic lender will
Have staff dedicated to working with you,
available at all times
Be able to share knowledge gained from
working with firms in similar positions to
yours
Act as a collaborator rather than simply a
provider of finance
Recognise that understanding how your
business operates is key to a successful
relationship

23. An inflexible lender will But a flexible, dynamic lender will
A solid
reputation
Have customers who are unhappy with
service levels
Have a record of successful partnerships
with businesses like yours
Have shifted its focus to larger customers
Have customers which have positive
things to say about working with them

24. Vital support
and protection
An inflexible lender will
Consider cutting credit if you suffer from
bad debts
Refuse to lend to you if your customers
persistently pay late
Not offer advice and support when it
comes to deciding who to do business
with
But a flexible, dynamic lender will
Offer you the chance to protect against
bad debts if this is a serious concern
Take over responsibility for collecting
unpaid invoices if you wish
Credit-check potential customers on
the borrower’s behalf to identify possible
trading risks

25. The power of ‘YES’

26. A combination of the right finance package and
the right lender can be the key to helping your
business meet the challenges it faces and take
advantage of new opportunities to grow.
The power of ‘YES’

27. A combination of the right finance package and
the right lender can be the key to helping your
business meet the challenges it faces and take
advantage of new opportunities to grow.
Can you afford to pick the
wrong deal?
The power of ‘YES’

28. Takeaways

29. Takeaways
• What difference would it make to your business if you
could raise finance as soon as it is needed?

30. Takeaways
• What difference would it make to your business if you
could raise finance as soon as it is needed?
• How often can you review your funding needs with your
lender? The traditional annual review may not be suitable
if you have short-term rises in demand.

31. Takeaways
• What difference would it make to your business if you
could raise finance as soon as it is needed?
• How often can you review your funding needs with your
lender? The traditional annual review may not be suitable
if you have short-term rises in demand.
• Is your credit at risk of being withdrawn at short notice
with little or no explanation?

32. Takeaways
• What difference would it make to your business if you
could raise finance as soon as it is needed?
• How often can you review your funding needs with your
lender? The traditional annual review may not be suitable
if you have short-term rises in demand.
• Is your credit at risk of being withdrawn at short notice
with little or no explanation?
• Does your lender share their expertise to help you meet
your business goals and help you with day-to-day tasks
such as credit control?

33. Unpredictable cash flow and late payments
are real business issues and the situation and
the situation does not appear to be improving
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Close Brothers Invoice Finance is a trading style of Close Invoice Finance Limited (‘CIFL’), a subsidiary of Close Brothers Limited. CIFL is registered in England and Wales
with company number 935949 and registered office at 10 Crown Place, London EC2A 4FT.