When a printing business with over 40 years of trading history approached us recently, they were exploring invoice finance to support their cash flow. Like many well-run businesses, they were experiencing temporary cash pressure—despite solid sales, delays in customer payments were tying up their working capital.
At first glance, invoice finance seemed like a logical choice. But once we got talking, it became clear it wasn't the right fit for them.
Why Invoice Finance Didn't Work for Them
The client had two major concerns:
Losing Control Over Their Debtors
Invoice finance often involves handing over your debtor book to a finance provider. That can mean someone else chasing your customers for payment—and for this client, that risked damaging the hard-earned relationships they’d built over decades.Cost Based on Customer Creditworthiness
Because many of their customers were in higher-risk sectors or relatively new businesses, the cost of invoice finance would’ve been much higher than expected. They didn’t want their own access to finance to be tied to the trading history of others.
So, we introduced them to something better.
A Smarter Alternative: Flexible Repayment Business Loan
At BusinessLoans.ie, we work hard to match clients with funding that truly fits their needs. For this client, the perfect solution was a flexible repayment loan.
Here’s how it worked:
✅ No Debenture Over Debtors – They kept full control of their customer relationships.
✅ Cash Flow Friendly Repayments – The loan is repaid in small, daily amounts based on real-time cash flow.
✅ Open Banking Integration – A read-only connection tracks performance without disruption.
✅ Flexible Terms – Repayments automatically adjust to keep the loan on track over 6 to 12 months.
Most importantly, this funding model works with the business—not against it. There's no need to give up control or rely on someone else’s credit score.
The Result? 3 Successful Facilities and Counting
We’re proud to say this client has now come back for funding three times:
💶 Deal 1: €80,000
💶 Deal 2: €200,000
💶 Deal 3: €200,000
Their positive experience—and the flexibility of the product—has made it their go-to finance solution. They’ve even been able to top up early when opportunities arose.
Is Flexible Repayment Finance Right for You?
If you're a growing business with a solid track record, but your cash flow doesn’t always match your ambitions, there may be a better option than invoice finance.
Talk to the BusinessLoans.ie team on 01 55 636 55 or APPLY HERE —we’ll guide you through the options and help you find funding that works for your business, not someone else’s.
