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Welcome to PS Finance

Here at PS Finance, we are an independent brokerage with more than 25 years’ invoice discounting and invoice factoring experience. When working in partnership with us, you can rely on our professionalism and industry knowledge to come up with practical solutions to your specific business finance needs.

Our specialist area is working capital solutions for businesses. We invest our time in gaining an indepth understanding of what you need, why you need it, and when you need it. We have similarly invested our time in building longstanding and robust working relationships with lenders, resulting in our intrinsic understanding of their lending appetites. The overall result is that we are able to match businesses and lenders, accurately, appropriately, quickly and reliably.

We annually provide highly beneficial cash flow solutions to owner managed businesses of all shapes and sizes. The amount of businesses seeking our help continues to increase, as we are renowned for our personal service, besides the outstanding results we help companies to achieve.

Furthermore, we believe that after a business has become our client, they are always our client. We are always on hand after deals have been completed. We remain committed for the duration. Our exceptionally high customer service standards contribute to positive feedback from in excess of 95% of our client base.

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Help your business step forward with tailored financial solutions

Here at PS Finance, we are committed to working with your organisation to understand your commercial finance needs precisely. With a wide range of business finance solutions, and a dedicated team of professionals in the field, our expertise and support will provide the most cost effective and perfectly tailored answer.

Understanding asset finance

Our asset finance work provides lending facilities for all business – from start-ups and SMEs, to large corporations with a global network. For many companies, this is the most efficient and financially optimised way to inject cash whilst maintaining growth.

By raising business finance through your trade debtors and stock options, in addition to arranging loans secured against tangible and intellectual assets, there are many effective instruments to choose from. All have the same goal in mind however, to give you the commercial finance to thrive.

Invoice finance

For many organisations, the best way to enhance cash flow is through raising business finance on unpaid invoices. An essential revolving business tool for companies in all sectors, there are two distinct ways this can be achieved; with invoice factoring or with invoice discounting.

With invoice factoring, a firm would take control of your sales ledger and invoices, enabling them to efficiently and courteously work directly with your clients. This allows them to pay up to 90% of the invoice total to you immediately upon it being raised.

Invoice factoring therefore allows you the space and funding to grow your business, whilst the invoice factoring firm attends to collecting payment. The remainder of the invoice is paid, less fees, some time later, once the final settlement has been received from the customer.

The main difference with invoice discounting is that you retain control of your sales ledger and invoices. This allows the service to be provided in a more confidential way, with your customers only dealing with you.

Working with invoice discounting, you continue to bill your customers directly, whilst at the same time, providing an invoice discounting firm with a copy of the invoice. Once received, they authorise a payment of up to 90% of the value, with the rest payable, less fees, once the balance has been settled in full.

Trade Finance

Extending a business globally is an exciting time for any business. With exchange rate complexities and delays with payables though, it is an equally challenging time. If it is your intention to grow internationally, our trade finance solutions would be an ideal support mechanism.

A specialist trade finance team, we can guide you through all areas of international commerce, help to mitigate any risks associated and implement a host of tools designed to promote business growth. From advising on differences in trade practices to the expert application of letters of credit, we can help.

At PS Finance, we have more than 25 years’ experience providing customers with expert commercial finance brokerage, advice and solutions. With access to asset finance companies looking to help UK businesses grow right now, this is a great time to contact us for a free consultation and see how we can help.
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What is Factoring?
If you're new to factoring, and would like to know how factoring can help you and your business, then take a look at our introduction to factoring, where we show you just how factoring can help your business and improve your cashflow.

Latest News

  • Asset finance on the rise

    The asset finance industry is on course to see more than £20bn loaned to businesses in the UK and Ireland, says a study by the Asset Based Finance Association (ABFA). The ABFA Annual Confidence Survey indicated that members of the body expect businesses to be in receipt of £20.8bn by 2016. By the start of […]

    April 22, 2015
  • Smaller firms saying ‘no’ to banks

    SMEs are turning their backs on the UK’s more traditional banks and are instead turning to alternative finance, says new research. Just 13 per cent of SMEs chose banks on the high street for business finance within the past 12 months. This is according to the latest Hitachi Capital British Business Barometer. The study found […]

    April 16, 2015
  • Sellick Partnership confirms growth plans with seven-figure refinancing

    Manchester-based recruitment firm Sellick Partnership has secured a new refinancing deal worth £3.75 million, in order to move ahead with expansion plans. The deal will see the company hold all banking facilities in one place, with RBS Invoice Finance now taking care of Sellick’s invoice discounting needs and NatWest running its main bank accounts. The […]

    April 9, 2015

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Need Help?

If you'd like more information, then why not book a free consultation with our experts!

As well as the High Street banks, we work closely with the following independent invoice finance companies:

IFS Guide
PDF Presentation
IFS Guide
PS Finance: Finance Companies - NACFB - Helping Fund UK Businesses  Federation of Small Business - Invoice Discounts and Factoring for Businesses