Don’t just compare the rate.
Compare the facility.
Factoring and invoice discounting proposals can look remarkably
similar on paper — while producing very different
commercial outcomes.
The Aftersales Network helps businesses understand which differences actually matter before a funding decision is made.
Headline Advance Rate
A higher advance percentage does not necessarily mean greater usable funding once concentration, reserves and debtor eligibility are considered.
Headline Pricing
Service fees and discount margins matter, but so can minimum charges, arrangement costs and the way the facility is actually utilised.
Facility Restrictions
Concentration limits, debtor exclusions, recourse periods and credit limits can materially change how a facility performs in practice.
Commercial Fit
The facility still has to work with the way the business invoices, collects money and manages its customers.
Look at the facility as a whole.
Where sufficient information is available, proposals can be considered through a consistent commercial framework rather than relying on one headline number.
Cost
Service fee, discount margin, minimum charges, arrangement fees and other disclosed costs.
Availability
Advance rates, reserves, debtor eligibility, concentration limits and potential usable funding.
Structure
Factoring, confidential or disclosed invoice discounting, selective funding and relevant security.
Flexibility
Contract period, notice provisions, recourse, operational requirements and other material conditions.
Commercial Fit
How the proposed facility aligns with the business, debtor profile, cash cycle and intended funding outcome.
The strongest proposal depends on what matters most.
A meaningful comparison may produce a different answer depending on whether the priority is price, usable funding or the overall commercial structure.
Best on Cost
Which proposal appears most competitive when the relevant disclosed charges are considered together?
Best on Availability
Which facility may provide the strongest usable funding against the eligible debtor book?
Best Overall Fit
Which structure appears most closely aligned with the business, its customers, working-capital cycle and commercial requirement?
Send us the proposals.
We will help you understand what you have actually been offered.
If you already have indicative terms, renewal terms or competing invoice finance proposals, there may be no reason to start the process again.
We can review the information available, identify material differences and highlight areas that may warrant further explanation or investigation.
Start with the requirement, not the product.
If you do not yet have proposals, the first step is to understand what the business actually needs the finance to achieve.
Only then should the structure and potential providers be considered.
Comparison should lead to a better decision.
Not simply another quote.
The Aftersales Network is a commercial finance broker. Our role is to understand the requirement, consider the structure and help identify the material differences between potential funding solutions.
Understand
Establish the commercial requirement and what the business needs the facility to achieve.
Compare
Consider material terms across cost, availability, structure and flexibility.
Clarify
Identify areas where headline terms or facility mechanics require further explanation.
Structure
Consider whether a different structure or suitable alternative provider should be explored.
Decide
Give the business clearer information with which to make its funding decision.
The facility you arranged yesterday may not be the facility you need tomorrow.
Businesses change. Their customers change. Their working-capital requirements change.
A facility that suited the business several years ago may no longer reflect its turnover, debtor profile, funding requirement or commercial priorities.
If your invoice finance arrangement is approaching renewal, you are considering changing provider, or you simply want to understand how the existing facility compares, we can review the position.
Related funding resources.
Have a quote?
Understand what it really means.
Whether you already have competing proposals, are considering changing provider or are starting a new invoice finance requirement, begin with a considered discussion.
Or call 0845 299 6668 or 0207 117 2523
The Aftersales Network Limited is a credit broker and not a lender.
The availability and terms of funding are subject to status, satisfactory due diligence, trading profile and individual provider criteria. Comparisons are based on the information and facility terms available at the time and should be considered in the context of the individual business and its requirements.
Lenders may pay The Aftersales Network Limited an introductory commission in respect of funding arranged. Such commission may vary according to lender or product.
The Aftersales Network Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 725655.
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