Pulse Cashflow Invoice Finance

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  • Compare invoice financing from Pulse Cashflow Finance against other leading providers today
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How invoice financing works

1
The order
Create an invoice for your customer, showing how much is owed to your business and when payment is due.
2
Cash advance
Send a copy of the invoice to a lender to release up to 100% of its value as a cash sum.
3
Repayment
When it is due, the lender receives the payment from the customer. The lender then sends your business any remaining amount on the invoice that wasn't originally financed, after deducting the prearranged fees.

This comparison service is provided by Touch Financial. Touch Financial is a finance broker, not a lender. Not all products offered by Touch Financial are regulated by the Financial Conduct Authority. They compare invoice financing services from a range of different lenders, aiming to find the one that best suits the needs of their business customers. Touch Financial consultants look at the profile of each business, including cash flow, accountancy needs, and any other specific requirements, to match them with the most appropriate invoice finance provider and product. Touch Financial is authorised and regulated by the Financial Conduct Authority (FRN:727220).

Last updated on 12 May 2022.

Pulse Cashflow Invoice Finance FAQs

Who is Pulse Cashflow?

Pulse Cashflow Finance was established in 2010 as an asset-based commercial lending specialist. They provide a range of tailored cashflow including invoice finance, factoring, construction linked finance and outsourced credit control.

What is Pulse invoice financing?

Pulse invoice financing is a financial product that enables businesses to take unpaid or outstanding invoices and borrow against them at times when they need additional liquidity at short notice.

Why do businesses ask for invoice financing?

One of the most common reasons businesses ask for the invoice financing Pulse and other providers offer is when they are facing late payment. This issue constrains cash flow, preventing businesses from investing in equipment and personnel. Invoice financing can offer a cash injection when a business needs it most.

Is invoice financing the best solution to late payments?

There are a wide range of financial products designed to help businesses overcome the cash flow constraints of late payment. Invoice financing is one of the quickest ways to secure cash injections at short notice. Your invoices serve as collateral and the provider can offer you sums up-front before invoices even arrive.

How do I compare invoice financing products?

Newable Finance – our business finance specialist partner – is a suitable way to compare the invoice financing Pulse provides with that offered by fellow providers. Just fill in a simple form or give Newable Finance a call, and one of their specialist consultants will help you find the best match to service your cash flow requirements.

Is invoice financing limited to set amounts?

Invoice financing doesn’t usually limit the amount you can expect to borrow. This is because a business might find it attains greater turnover over time, and lenders such as Pulse will be willing to provide higher sums to match that. In other words, the sums you can borrow grow in line with your turnover.

Do smaller businesses struggle to get invoice financing?

Sometimes a provider will set certain criteria for a business to meet before they are permitted to use invoice financing facilities, and a small business might be unable to meet them (e.g. insufficient turnover or insufficient time operating as a business).

What is Pulse invoice factoring?

Invoice factoring is just one of the forms of invoice financing Pulse and other lenders can offer. A business sells its invoices to a factoring company via a lender. The lender provides cash flow relative to the invoices, which are collected by the factoring company themselves.

How does factoring differ from invoice discounting?

Invoice discounting is a much more discreet form of invoice financing Pulse and other providers offer. Instead of having factoring companies chasing up on invoices, you take charge, meaning your clients don’t need to find out the invoices are being used as some form of leverage.

How does a recourse arrangement affect invoice financing?

Recourse arrangements in invoice financing mean you agree to be liable in the event that your clients fail to pay invoices properly. This means higher costs for you to factor in, but lower fees from your provider as well.

Does a non-course arrangement reduce risk?

Non-recourse arrangements reduce risk for you, as your lender will agree to absorb the risk and the costs if a client fails to pay their invoices. Risk is still present, however, and while you don’t shoulder the costs themselves, a provider will charge a higher fee, to compensate for absorbing the risk themselves.

Services offered by this provider may change over time. Always check Ts&Cs.

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