How we work

A closer look at each step

Step 1: We get to know your business

We start with a conversation. It's free, with no obligation. We want to know what your business does, who your customers and suppliers are, and where your cash is tied up. Together we work out which solution fits: factoring, a business loan, inventory financing, or something else. If nothing fits, we'll tell you so.

• Your part: you tell us about your business.

• The result: you know whether it makes sense to move forward.

Step 2: We map out your situation

You fill out a short form. What we ask depends on the solution. For factoring, it's mostly about your customers and your payment terms. For inventory financing, it's about your inventory and your suppliers. That shows us which partners are a match for you. You'll also get our terms of engagement, so you know where you stand from the start.

• Your part: you fill out the form.

• The result: an initial sense of what's possible.

Step 3: We put your file together

We collect the documents a partner needs and turn them into a complete file. A complete file makes approval much more likely. If the partner has questions, we answer them.

• Your part: you send us the documents. The sooner we have them, the faster things move.

• The result: a file that's ready to submit.

Step 4: We compare the partners and you choose

We take your file to the partners that fit. Then we lay their offers side by side: the price, the terms, and the fine print. You choose. The partner decides whether to accept your file.

• Your part: you pick the offer that suits your business.

• The result: an approved offer.

Step 5: You sign and we help you get started

You sign the contract with the partner. Then we help you get up and running. With factoring, for example, that means updating your invoices, notifying your customers, and getting you set up on the partner's platform. Then comes the first payout.

• Your part: you sign and follow the setup instructions.

• The result: money in your account.

How long does an application take?

With most partners, it takes 5 to 7 business days from application to first payout. The clock starts once your file is complete. Traditional factoring companies take longer: plan on 4 to 8 weeks.

How quickly your file comes together is up to you. There's a fair amount of paperwork involved. The sooner you send it, the sooner things move.

What documents do you need?

That depends on the solution and the partner. These are the documents we almost always ask for:

• Your annual accounts

• A list of your main customers and suppliers

• A summary of your outstanding invoices or your inventory, depending on the solution

If we need anything else, we'll tell you exactly what.

What happens once you're up and running?

For day-to-day matters, you deal with the partner. We stay your point of contact, even while your file is with the partner. Have a question, want to change something, or run into a problem? Call us.

What does it cost?

We only get paid if you get financing. No financing, no fee. We're paid by the partner you sign with.

There's one exception. If an offer has been approved and you decide not to go ahead with it, we charge a processing fee.

It's all spelled out in our terms of engagement. You'll get them before we start on your file.

Who will you be working with?

You're always in direct contact with Peter or Daan. That doesn't change once your file is with the partner.

For more, see About us.