• Boost your turnover by bringing cash receipts forward
• The facility grows in proportion to your sales — no need to reapply
• No need for you to offer costly settlement discounts
• Use property assets to build personal wealth instead of locking them into the business
• Reduce the risk of losing the family home
• Get discounts from your suppliers for early payment
• Improve your buying power

It is our policy to be upfront at the very beginning. Our staff are empowered to represent us and clearly explain all the costs of dealing with Scottish Pacific Benchmark.

We believe that the decision to proceed should be based on what debtor finance can do for you and your business. Unless we can clearly demonstrate that the benefits outweigh the costs of using our services, we will advise against it.

The on-going costs of the facility comprise two charges, firstly we charge a management fee as a percentage of invoices received by us. This fee is negotiated with you at the outset so you know exactly what the cost will be. The management fee can vary between 0.25% and 2%.

Secondly, a discounting fee is charged on the balance of initial payments made, plus fees, less collections from debtors. This is normally 2% per annum over the quoted overdraft reference rate.

Finally a once only arrangement fee is charged to cover set up, legal costs plus government charges, this is deducted from the first payment we make to you.

All rates and/or costs are dependent upon turnover, workload and perceived risk. There are no hidden charges.