"Because it’s more flexible than a normal bank overdraft. Last year over £208bn of invoices were factored or discounted - a huge figure that has eaten into and overtaken the market share of the bank overdraft.

We can, dependant on certain factors, advance up to 85% of approved outstanding receivables (debtors) less than 120 days old. That’s often more money than a business could negotiate on overdraft. Also, the sum available automatically rises as the level of trading increases. There’s a choice between full service factoring (where the sales ledger is administered and debts collected on your behalf) or invoice discounting (where you administer your own ledger)."

You can talk to your bank, but they already have a vested interest in minimising their exposure to risk, so their practical help will probably be limited or expensive. Your accountants should be able to offer suggestions, but they will not be able to provide financial help.

Talking to ultimate is your best option. We will take the time and trouble to thoroughly understand your business and your concerns. We also have the independence and expertise to provide the very best solutions. As our initial meeting is free and without obligation, you have absolutely nothing to lose and everything to gain.

Yes - if you want the best for your business, because not all factors are the same. Choose ultimate finance group plc and you are assured of the highest standards of personal attention and guaranteed the fastest response available.

The latest technology enables us to streamline administration and keep accurate records. But there are two other crucial reasons.

First, ultimate's use of internet-based technology gives us instant access to the information we need, so we can provide funds faster.

Second, it provides you with instant live access to your accounts - you can see where you stand, in 'real time', at any moment, even outside banking hours.

With ultimate our speed of response is down to our use of superior technology and our insistence that funding decisions are made by the people who run the company - so there is no long chain of command and no 'chinese whispers'. This is what sets us apart from other invoice finance companies. With ultimate, the faster response times are evidence of a better quality of service.

For three reasons. Firstly, to demonstrate the seriousness of our intent. Secondly, to ensure sufficient funding to meet the full needs of our clients and offer them ample support. And thirdly, to offer investors the opportunity to share in the ongoing success of an organisation which has a unique proposition and all the elements for continual, stable expansion.

We talk directly to accountants and other introducers to make them aware of our superior funding solutions. This obviously benefits these introducers, because they can maintain their clients' trust and goodwill by suggesting ultimate.

Not surprisingly, we also receive a great deal of business through recommendations from satisfied clients. If they can help to improve the cash flow of their customers they are effectively helping themselves, by ensuring that the customer can pay promptly.

Factoring means we advance the funding and provide the credit control. With Invoice Discounting we advance funds, but you remain responsible for collecting the debt - the customers only have contact with you and are not aware of your arrangement with us.

Bright. Increasing numbers of businesses, and their customers, will appreciate the benefits of invoice finance. It delivers the stability of a predictable cash flow, enabling better deals and discounts, whilst minimising the risk of interrupted services or supplies of goods to the client. It’s therefore rapidly becoming accepted as the most sensible way to provide working capital.

Although invoice finance is not new, we see ourselves as pioneers. We bring you the twin bonuses of direct and easy access to directors and other decision-makers, plus faster service through the use of internet technology. We are also a proactive company, always seeking and implementing innovations that will improve our service to you – we’re passionate about making your business easier and more profitable to run, as well as promoting our unique selling proposition of “faster access to more flexible funding”.