Five years ago this month Creative Capital launched its selective invoice finance product and we’re celebrating another major milestone – providing £30 million of small business finance.

It’s a triple celebration though…as we’ve also added another product to our growing portfolio of cash flow and working capital solutions.

The launch of a bad debt protection product complements our range of short-term funding facilities and allows SMEs to insure single or multiple invoices to securely fund higher risk growth opportunities.

This follows Creative Capital introducing a set of trade finance products in 2014 which provide our clients with the working capital boost needed to fulfill confirmed orders and buy stock on favourable terms.

Between our single invoice discounting and trade finance facilities, the last five years has seen us lend £30 million to support the growth plans of over 150 SMEs across a diverse range of sectors such as construction, wholesale and manufacturing.

As an owner-managed alternative lender, we’re proud to be supporting growing businesses by providing quick access to flexible facilities on a tailored, transaction-by-transaction basis.

Dai Rees, Director of Creative Capital, said: “Our rapid development over five years reflects the need amongst small businesses for alternative lenders who are responsive and aligned with their demands and requirements.

“We’ve found our simple but flexible facilities resonate with owners who need certainty and confidence to get on and grow. They’re tired of being hamstrung by lack of access, slow decisions, hidden charges or onerous contracts. They find our straightforward approach a breath of fresh air.

“Reaching these milestones and achieving a 98% client retention rate is testament to the strength of our team who are focused on making quick and sound lending judgements.

“Launching the trade finance and bad debt protection products over the past 12 months shows our desire to continue innovating. Many SMEs don’t realise that complementary and flexible facilities like stock finance are available and cost effective.”

We allow clients to choose the individual invoices and contracts they want to fund and use the transparent total cost of finance to better plan and forecast. Facilities can be put in place quickly and used in conjunction with other forms of secured lending to fund new growth opportunities such as contract wins, large orders, international trading or seasonal spikes.

Our new bad debt protection facility was arranged by Stuart Grice at Bluefin and is underwritten by QBE Insurance.

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