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Benefits of Confidential Invoice Discounting

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Simply because a business is currently having problems with cash flow doesn't mean that they are about to become insolvent; quite the contrary with confidential invoice discounting. There are simply times when your debtors owe you on invoices which you are unable to recover quickly enough to get the cash flowing again. This is where a team like Real Business Recovery can help you with confidential invoice discounting.

Loans Up to 80% of Invoices on the Books

Much like factoring, confidential invoice discounting puts you together with a lender that will loan you an amount, usually up to a 90% maximum, on any outstanding invoices. Certain criteria needs to be met in order to qualify for confidential invoice discounting such as the invoices must be business accounts. The amount of money you can be loaned on your outstanding invoice will also be dependent upon a number of factors, one of which is the debtor’s projected ability to pay.

Confidential Invoice Discounting Leaves the Books with You

Even so, there are some key differences between factoring and confidential invoice discounting. When a business recovery specialist provides a loan against those outstanding ‘good’ invoices, they in fact take over the collection of money owed to you. The factoring specialist collects the accounts and pays you your share upon receipt of money collected. Confidential invoice discounting works by allowing you to keep control of your books in order to collect the money yourself.

100% Confidential – No Active Third Party Involvement with Debtors

The benefit of confidential invoice discounting is that your debtors will never need to know that a third party is involved in the transaction. In this way, no one will need to know that you had a cash flow problem to meet your day to day operating costs. Business goes on as usual, except you are able to do so with greater ease and a lot less frustration since you now have capital to keep up with your own expenses.

Many companies choose confidential invoice discounting over factoring simply for this reason. They do not want others to know they are having trouble financially, even if it is because they are unable to collect on debts owed to them. This works out well all the way around as the debtor doesn’t know a third party is aware of their arrears and your business can still hold its head above water because no one needs to know you took a loan against your books.

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