Working Capital Solutions

Business Finance Brokers

Working Capital Solutions

Business Finance Brokers

Does your business cash-flow keep you awake at night?

We work with clients to source funding solutions for businesses. Our aim is very simple, to add value to your business by finding the best financial solution available. We know every client is unique as is every funding solution. We have access and experience across both traditional and alternative finance covering every aspect of business finance so why not give us a call?

John Mellor

I joined the banking industry in 1985 working across a wide range of finance areas, specialising latterly in Invoice Finance. I set up Working Capital Solutions as there was a clear gap in the market for businesses who couldn’t access traditional finance but had a clear funding requirement.

Our Services

Invoice Finance

Invoice finance covers invoice discounting, factoring and asset based lending and enables you to leverage finance against your debtor book. I have nearly 25 years in the IF industry and access to and detailed knowledge of all the lenders in the market. It’s a great way of funding a growing business as invoices can be turned into cash within 24 hours and your funding line grows with your sales. Invoice Discounting is purely a funding line against your debtor book generally for established businesses who can manage their own sales ledger. Factoring is a funding line and credit control which is ideal for businesses that don’t have their own credit control department. Construction finance can also be arranged enabling suppliers into the construction industry to generate funding against applications for payment.

Trade Finance

Trade finance assists businesses who require funds at the start of a transaction in order to pay their supplier for goods which will be converted into sales. The purpose of trade finance is to provide an exporter or supplier with accelerated receivables/payment for goods and an importer with extended credit, therefore removing the payment risk and supply risk. Any trading business sourcing goods from the UK or overseas could have a need for trade finance, whether it is due to experiencing seasonal fluctuations or having a funding gap that is holding them back from fulfilling their forward order book. Effectively, trade finance is a means to help complete deals or transactions that would otherwise fail to be completed, thus increasing a company’s turnover and bottom line profit.

Finance Review

We all review many things annually, be it car insurance, house insurance and even these days our utility suppliers. If only business owners and directors did the same with their businesses. It is absolutely critical that business finances are reviewed on an annual basis as this will tell you as the owner/manager that you are continuing to receive value from your finance supplier. Here at WCS we are able to review your financial requirements with you and the worst outcome from this is that your existing deal is a fantastic one. This is however, the exception rather than the rule. Give us a call to discuss.

Commercial Mortgagee

Looking to buy (or refinance) your business premises? This can be arranged.

Unsecured lending

I have access to the unsecured lenders for short to medium term funding to “fill a gap”.

Asset Finance

Funding to buy plant & equipment/vehicles to ensure any capital expenditure is funded on the correct structure over the life of the asset and not out of cashflow

Bridging & Development Finance

Need to acquire something urgently and speed is the essence? If you have property available as security then it can be used to bridge the funding gap until a longer term funding solution can be arranged. Similarly, if you have plans for property development from the ground up then contact us to discuss.

If you need help with any of the above or just have a question then please contact us

Get in touch

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