Business Banking Solutions

In addition to providing a comprehensive range of asset and motor finance solutions, TVAF is pleased to assist clients with Factoring, Invoice Discounting, Commercial Mortgage, Rebanking, International Trade and Treasury Service requirements.

Working in partnership with many of the UK's leading High Street Banks and Invoice Discounters, coupled with several leading independent funders, TVAF can work to find your business the ideal solution. An overview of the areas we can assist with are detailed below.

Invoice Discounting/Factoring

Invoice Discounting remains at the forefront of cash flow funding and is replacing overdraft as the most sought after working capital tool for growing businesses. No longer is this form of funding only attractive to young businesses, start up operations and SME’s. Today, companies of differing status and stature are using discounting to fund growth, for capital investment and acquisitions and as a means of consolidating financial independence.

The success of invoice discounting lies intrinsically in its ability to leverage hitherto “tied up “working capital from a company’s balance sheet by releasing monies against unpaid invoices on its debtor’s balances.  The incremental benefit of this kind of facility is demonstrated by the fact that as a company’s turnover grows so does its ability to fund this level of growth. By unlocking its working capital potential, a company can gain comparative advantages, negotiate supplier discounts and pursue new trading opportunities. In fact, invoice discounting is an increasingly popular method of financing mergers and acquisitions, MBO’s and MBI’s.

Commercial Mortgages

A Commercial Mortgage is probably the best way to purchase land or buildings for business purposes. Your requirements may be very straight forward or perhaps more complex, dependent on the sector you trade in or the financial structure of your business. You may be acquiring premises to expand or relocate your business, alternatively you may be looking to acquire a site for development or  to provide future pension provision. Commercial mortgages are typically available for periods of 1 to 25 years with structured repayments available

International Trade

Trading overseas can put pressure on your working capital. Overseas business can carry a number of additional risks to include political or economic instability, payment delays and fluctuating exchange rates. Many of these risks can be mitigated by ensuring you have protected your business properly. You should always ensure that you have confidence in a foreign trading partner before entering into any agreement. If you are exporting goods, have you asked yourself if your customer has the ability to repay? TVAF can advise on all aspects of International Trade to include Letters of Credit, Exchange Rate Risk and International Guarantees.

Treasury Services

Markets are by their very nature unpredictable. Banks are typically able to offer protection against many risks, to include exchange rates, commodity prices and interest rate fluctuations. If you trade overseas your profit will fluctuate subject to exchange rates. If you operate in the transport, manufacturing or agriculture sector then perhaps your business is exposed to fluctuations in commodity prices.

If you require further information on any of the above financial solutions please telephone us on
0844 561 7426 or e-mail us at enquiries@tvaf.co.uk and we will be happy to listen to your requirements in more details.