Asset Finance

Invoice Discounting and Factoring

Invoice Discounting and Factoring are alternatives to an overdraft that involve the sale of your trade debtors to a finance house in return for an immediate cash injection. There are many companies out there offering this service, but which one is the right one for your business? Ralph Bettany Associates will help guide you through the maze and find a product suitable for your firm's needs.

Hire Purchase and leasing

Hire Purchase and Leasing is finance linked to the asset being acquired, and is particularly common for vehicles, plant and equipment. Deals vary, and like Invoice Discounting there are many companies offering this type of finance. Ralph Bettany Associates can assess your needs and find a tailored package to suit you. It may also possible for us to raise finance on your existing assets.

Payroll Finance

An innovative new form of finance, this product allows you to obtain up to 60 days credit on your net payroll and statutory payments of PAYE and National Insurance to HM Revenue and Customs. This can provide a valuable bridging facility, or help to iron out fluctuations in working capital where other products are not suitable. Ralph Bettany Associates are able to help you access finance from this valuable and little known source.