invoice finance
Invoice finance is a powerful tool for optimising cash flow, and at Ocean Capital we bring this financial advantage within your reach. With our extensive network of over 100 commercial lenders, we are uniquely positioned to source the best deals for our clients. Whether you are a small business or a large corporation, our expertise in invoice finance, coupled with our lender relationships, enables us to secure competitive terms and flexible financing solutions tailored to your specific requirements. We understand that each business is unique, and our commitment is to find you the most advantageous invoice finance arrangement available in the market, ensuring your financial stability and growth. Trust Ocean Capital to be your partner in optimising your cash flow through invoice finance.
benefits
- Invoice Finance offers businesses enhanced cashflow, minimised risk of bad debts and augmented working capital.
- By selling outstanding invoices to a finance provider, businesses in the UK can access a portion of the invoice amount upfront, freeing up resources to focus on other areas of their operations.
- Outsourcing credit control and debt collection to a finance provider can help reduce the risk of bad debts and provide a valuable source of funding and financial management support for businesses.
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- This quote won’t affect your credit score
- Dedicated Business Finance Specialists
- Get Access to 250+ Lenders
REDUCE YOUR CASH-FLOW GAP
get credit to help finance your international goods and services
- Pay as you go: There are no up front or hidden fees, meaning you can use the facility whenever you like without incurring unnecessary costs.
- Pay us back 150 days later: Reduce your liquidity needs with our longer payment terms.
- Your goods are yours: We take no collateral, which means there’s no impact on any existing credit lines you have.
WHY CHOOSE OCEAN CAPITAL EXCHANGE'S TRADE FINANCE?
How does trade finance work?
1
Your supplier sends you an invoice
2
You forward us the invoice and we pay your supplier in any currency
3
You sell your goods or services
4
You repay us up to 150 days later in your domestic currency
currency accounts
Ensure seamless global trade with unique currency accounts in your company’s name. Collect funds locally, worldwide and ensure competitive exchange rates when repatriating your overseas revenues. All funds are automatically screened and reconciled, removing manual processes.
Pay your suppler in their local currency and repay in yours. Avoid currency fluctuation risks and reduce cost.
Pay your supplier earlier. Improve your supplier relationships and negotiate discounts
Align your outgoings with income and take control of your finances
Disclaimer: Ocean Capital Exchange’s Trade Finance Services are provided by Ebury partners UK Ltd. Ebury Partners UK Ltd is authorised and regulated by the Financial Conduct Authority as an Electric Money Institution. Reference Number: 900797. Ebury Partners UK Ltd is registered with the Information Commissioners Offce, with registration number: ZA345828.
We have the solution for you...
Navigating the world of trade finance can be a daunting task, but at Ocean Capital we simplify the process by offering access to a diverse panel of over 100 commercial lenders. Our extensive network allows us to source the best possible deals for our clients, ensuring that they receive competitive terms and favorable financing options. Whether you are looking to secure working capital, finance international transactions, or manage your supply chain efficiently, our expertise and lender relationships enable us to tailor trade finance solutions that align with your specific needs. With Ocean Capital you can confidently expand your global trade operations, knowing that we are dedicated to securing you the most advantageous financial arrangements available.
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secured business loans
Secured business loans provide businesses with access to larger amounts of capital by using assets, such as property, equipment, or inventory, as collateral. This type of loan typically offers lower interest rates and longer repayment terms due to the reduced risk for lenders. Secured loans are ideal for businesses looking for substantial financing to support significant growth initiatives or long-term investments.
benefits
- Lower interest rates: Due to the reduced risk for lenders, businesses benefit from more favourable loan terms.
- Higher loan amounts: Access larger sums of money compared to unsecured loans, supporting bigger projects.
- Longer repayment terms: More time to repay the loan, reducing pressure on cash flow.
- Credit flexibility: Businesses with lower credit scores can still qualify due to the collateral provided.
- Supports long-term growth: Suitable for large-scale investments and long-term strategies.
use cases for secured business loans
- Manufacturing companies: To purchase new machinery, upgrade equipment, or expand production facilities.
- Real estate businesses: For acquiring property or funding large construction projects.
- Logistics companies: To finance vehicle fleets or warehouse expansions.
- Agricultural businesses: For purchasing land, investing in farming equipment, or expanding operations.
- Wholesale businesses: To buy large quantities of stock or expand storage capabilities.
Get a Free, No Obligation Quote
- This quote won’t affect your credit score
- Dedicated Business Finance Specialists
- Get Access to 250+ Lenders
unsecured business loans
Unsecured business loans offer fast and flexible financing without the need for collateral. This type of loan allows businesses to access capital based on their creditworthiness, making it an ideal solution for companies that don’t have significant assets to pledge. With quick approval processes and fewer documentation requirements, unsecured loans provide much-needed cash flow to support day-to-day operations, expansions, or unexpected expenses.
benefits
- No collateral required: Businesses do not need to pledge assets, reducing risk.
- Fast approval and disbursement: Quick access to funds to meet immediate financial needs.
- Flexible usage: Funds can be used for various business purposes, from inventory purchase to marketing.
- Simplified application process: Less paperwork compared to secured loans.
- Preservation of assets: Business assets remain untouched and safe from risk.
use cases for unsecured business loans
- Retail Businesses: For purchasing inventory or renovating store premises.
- Technology startups: To cover early-stage operational costs or marketing efforts.
- Service providers: To manage cash flow during slow periods or cover payroll.
- Restaurants: For seasonal menu expansions, equipment upgrades, or new location openings.
- Freelancers and Consultants: To invest in professional development, marketing, or software tools.
Get a Free, No Obligation Quote
- This quote won’t affect your credit score
- Dedicated Business Finance Specialists
- Get Access to 250+ Lenders
asset finance
Asset finance is a financial solution that enables businesses to acquire or access the equipment, vehicles, and machinery they need without having to pay the full cost upfront. Instead of purchasing assets outright, businesses can spread the cost over time, preserving cash flow while still gaining the benefits of using the assets. Asset finance is especially popular with companies looking to manage working capital more effectively, as it allows them to obtain the tools and resources necessary to grow and compete, without straining their budget.
There are several forms of asset finance, including leasing, hire purchase, and refinancing. Each of these methods offers flexibility, enabling businesses to tailor financing options to suit their specific needs.
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- This quote won’t affect your credit score
- Dedicated Business Finance Specialists
- Get Access to 250+ Lenders
benefits
- Preservation of Cash Flow
Rather than making a large, upfront payment, businesses can spread the cost of an asset over a period of time. This keeps working capital available for other expenses, investments, or unexpected costs. - Access to New Equipment
Asset finance provides the opportunity to acquire the latest machinery, vehicles, or equipment, which might otherwise be too expensive if purchased outright. This can enhance business efficiency, productivity, and competitiveness. - Tax Advantages
Some asset finance solutions may allow businesses to claim tax relief on the repayments, particularly with leasing options, where payments can often be deducted as a business expense. - Flexibility
Asset finance offers flexible repayment options, with terms tailored to a business’s cash flow. This allows companies to choose a solution that best suits their financial situation. - Upgrading Options
Depending on the structure of the finance, businesses may be able to upgrade or replace their assets at the end of the finance term, ensuring they remain equipped with up-to-date technology without the burden of owning outdated equipment. - 6. Improved Budgeting
Fixed or predictable payments make it easier to budget for the future, providing clarity on monthly outgoings related to asset acquisitions.
merchant cash advance
A Merchant Cash Advance (MCA) is a financing solution where a business receives a lump sum upfront, which is repaid through a percentage of future sales, typically card sales. Instead of fixed monthly repayments, an MCA adapts to a business’s cash flow, with repayments automatically deducted from daily sales until the advance is repaid in full.
benefits
- Flexible Repayments: Repayments are tied to sales, so slower sales periods mean lower repayments, easing cash flow pressure.
- Quick Access to Funds: MCAs are often approved and funded quickly, making them suitable for businesses needing fast cash.
- No Fixed Repayments: Unlike traditional loans, there are no fixed monthly payments, which means businesses only repay when they make sales.
- No Collateral Required: MCAs are unsecured, so no assets are needed as security, reducing risk for the business.
- Simple Application Process: The process is generally less complex than traditional loans, with minimal paperwork and faster approvals.
- Credit Score Flexibility: MCA providers often focus more on sales performance than on credit scores, so businesses with lower credit scores may still qualify.
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- This quote won’t affect your credit score
- Dedicated Business Finance Specialists
- Get Access to 250+ Lenders
letters of credit
A letter of credit is a financial instrument issued by a bank or a financial institution that provides a secure payment mechanism for an international trade transaction. It reduces risk for both the buyer (importer) and seller (exporter).
benefits
- Payment Assurance: Ensures the seller gets paid as long as the terms and conditions of the LC are met.
- Risk Mitigation: Reduces risks for both buyers and sellers, particularly in cross-border transactions, by involving a trusted third party (the bank).
- Customisable: Can be tailored to suit the specific needs and requirements of both parties involved in the trade.
- Access to Finance: Sellers can use the LC as collateral to obtain financing or working capital from banks.
- Credit Protection: Buyers are protected as the bank only releases payment when the seller meets the agreed conditions.
when is an lc appropriate?
High-Value or High-Risk Transactions: Where there is significant compliance, fraud or non-delivery risk (such as in the purchase of specialised machinery, raw materials, or other critical goods) – an LC protects the buyer.
Commodities and Perishable Goods: The quality and condition of the goods are paramount, an LC ensures that the buyer does not pay for substandard or damaged goods.
Transactions Involving Unfamiliar Parties: LC’s are particularly useful when the buyer and seller have not previously engaged in trade and trust levels may be low.
Complex or Customised Goods: An LC means that payment is only made if the goods meet the buyer’s specifications.
Get a Free, No Obligation Quote
- This quote won’t affect your credit score
- Dedicated Business Finance Specialists
- Get Access to 250+ Lenders
Regulatory Information
Ocean Capital Exchange Ltd is a company registered in England and Wales (registered no. 10659900). Registered office: 8 Twisleton Court Priory Hill, Dartford DA1 2EN. Ocean Capital Exchange Foreign Exchange and Payment services are provided by 4 partners. Ocean Capital Exchange Ltd’s Payment and Foreign Currency Exchange services are provided by Ebury Partners UK Limited. Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution. Reference Number: 900797. Ebury Partners UK Limited is registered with the information Commissioner’s Office under the UK Data protection Act (registered no. Z209673X). Ocean Capital Exchange Ltd is a Programme Manager of Ebury Partners UK ltd – registered in England and Wales, registration number 7088713 Registered office: 3rd floor, 100 Victoria Street, Cardinal Place, London, SW1E 5JL. Payment services (Non MIFID related products, non-e-commerce accounts, non-lending products, non-trade finance products) for Ocean capital exchange are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). For clients based in the European Economic Area, payment services for Ocean Capital Exchange Ltd are provided by CurrencyCloud B.V.. Registered in the Netherlands No. 72186178. Registered Office: Nieuwezijds Voorburgwal 296 – 298, Mindspace Nieuwezijds Office 001 Amsterdam. CurrencyCloud B.V. is authorised by the DNB under the Wet op het financieel toezicht to carry out the business of an electronic-money institution (Relation Number: R142701). For clients based in the United States, payment services for Ocean Capital Exchange Ltd are provided by The Currency Cloud Inc. which operates in partnership with Community Federal Savings Bank (CFSB) to facilitate payments in all 50 states in the US. CFSB is registered with the Federal Deposit Insurance Corporation (FDIC Certificate# 57129). The Currency Cloud Inc is registered with FinCEN and authorised in 39 states to transmit money (MSB Registration Number: 31000206794359). Registered Office: 104 5th Avenue, 20th Floor, New York , NY 10011. For clients based in the United Kingdom and rest of the world, payment services (Non MIFID related products) for Ocean Capital Exchange Ltd are provided by The Currency Cloud Limited. Registered in England and Wales No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). FX and payments provided by GC Partners. Global Currency Exchange Network Limited T/A GC Partners is authorised by the FCA under the Payment Services Regulations, 2017. Registration number 504346. Global Currency Exchange Network Limited T/A GC Partners is registered with HMRC under the Money Laundering Regulations, 2017. Registration number 12137189. Payment services for Ocean Capital Exchange are provided by Equals Connect Limited, a company incorporated in England & Wales Registration No : 07131446. Equals Connect Limited is licensed and regulated by HMRC as a Money Service Business (MSB) Licence No : 12594438. Equals Connect Limited is authorised by the Financial Conduct Authority as an Authorised Payment Institution Firm Reference Number : 671508.
