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Cash flow — the secret of success

The most successful companies are those that manage their cash flow effectively. And that means keeping a keen eye on credit. Bridging the gap between the point at which an invoice is raised, and the point at which the money enters your bank, can be a challenge. It’s why there are specific financial ‘services’ that can help. And one of the best known — and most widely used — is factoring.

How does it work?

Factoring is a form of cash flow funding that allows you to release up to 100% of the value of cash tied up in unpaid invoices, usually within 24 hours of raising an invoice. How it works is simple: you send a copy of the invoice to both your customer and the lender. The lender will then make a pre-agreed percentage of the invoice value available to you, collect the payment from your customer, and return to you the remaining percentage of the invoice value, minus any fees. Different types of Factoring service are available to suit different needs; for example, it does not always require the customer to pass the management of their sales ledger over to the lender. Ownership of the ledger can be retained in-house.

Benefits of using Touch Financial

  • Release up to 95% of the value of your invoice
  • Our award winning service is free and confidential
  • Short term contracts and trial periods available
  • Favourable rates when going through Touch
  • Access to over 30 of the UK’s leading lenders

Why should I factor?

Factoring tends to suit smaller businesses whose principal ‘asset’ is their sales ledger (ie their invoices). The main advantage, of course, is that it provides an immediate injection of cash. Rather than having to wait 60 or 90 days, or perhaps even longer, you will have money immediately available to you to re-invest in your business. Having cash up front enables you to pay your suppliers more quickly, and negotiate better terms as a result, taking full advantage of supplier discounts for early settlement. What is especially good is that the more invoices you generate, the more cash you will receive. It therefore ‘rewards’ growing businesses, encouraging growth rather than holding it back.

Touch Financial reviews

Feedback for Touch Financial has been compiled from 132 customer reviews

Date Product Score Customer Comment

Invoice Finance Introduction


*personal info removed by Feefo* is an on-line spot invoice finance provider. Financiers bid to provide you with finance. Works as explained. Use as and when - no volume pressure.

Touch Financial


Provided lots of options and helped to secure the right package for us. Very pleased with the service!

Touch Financial


I recently used Touch Financial to help me to engage a series of invoice finance companies and to get a good deal for our company as we grow our business to business product offering.

I will say that I was initially sceptical about using a broker, but Mike Cass at Touch immediately showed his exceptional knowledge of the market and what I could expect to happen next, and predicted who would contact me, what would happen next and prepared me with a list of information I should be prepared to provide.

The whole subject of invoice finance is pretty complex, and a broker like Touch financial is positioned well to help to guide a non-technical novice through to conclusion.

Sure enough, the predictions about the offers and process were very accurate and after providing enough information and sitting a few meetings with potential providers, I had a series of quite different offers on the table.

Mike helped me to narrow down the field to 2 good offers, gave me very good advice to negotiate a good price from our preferred provider, which considering a company of our size, I feel the deal we got we could not have obtained without Mike's advice and help.

I paid no fee to Touch for their support and help, which involved all in all a bit of work from them and while I believe they earned a commission for the deal done in the end, this is most definitely not apparent in any reduction in competitiveness of the price I ultimately obtained, which even Mike commented was one of the better deals they had helped to broker.

I am thoroughly satisfied with the help I obtained. It sets my business up for growth and at an affordable price which I know is market leading. I do not know how I would have navigated to the final outcome without their help. Probably expensively and with a lot more of my time spent.

I will definitely be speaking to these guys again when I come up to thinking about comparing the market again.

So thanks. I suspect we as a company will be stronger, and better off to the tune of thousands of pounds through using Touch Financial to help us to broker our deal.

This probably sounds like a planted glowing review, but I assure you it is not. I am happy to provide any referral information as needed. One good turn deserves another.

Richard Warburton

Touch Financial


They helped us find a new accountant and the best factoring company for our growing business. They where very helpful throughout the whole process and never slacked even when I was too busy to talk to them they would call back as promised. I would highly recommend there service.

I was very pleased with the service and advice given to me and will look to get in touch with Touch Financial as and when I require their service in the future