When there are problems it is often the hardest thing to be open. Indeed in discussions with a cash flow lender recently they said to us “the harder the case, the more unlikely someone is to be open”...........it is very true. But why openness?

All banking and lending is based on trust.....in cash flow lending the lenders are paranoid about a trade term they call “fresh air invoices” - i.e. invoices against which no goods have been shipped..... if there is a lack of openness at the front end of a transaction the lender will not help. Problems DO get discovered, and if they are discovered in due diligence a lender will walk away immediately. As Oscar Widle said :

“Confidence is like virginity - you lose it only once”

If you have issues or problems (e.g. previous poor credit, failed businesses, tax arrears) tell us - then we will know how to structure a transaction and which organisation would be most appropriate to help you - if you are open with us and a lender, they will be open towards you - its a risk - but its a risk definitely worth taking.