HOW TO IMPROVE YOUR CASHFLOW 如何改善你的現金流 A GUIdE TO FACTORING
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1 HOW TO IMPROVE YOUR CASHFLOW 如何改善你的現金流 A GUIdE TO FACTORING 應收帳融資指南 WE BELIEVE IN YOUR BUSINESS MANPOWER SUPPLY CONSTRUCTION MARINE & OFFSHORE
2 FACTORING EXPLAINED 應收帳融資是什麼 Managing cashflow is essential to the success of any business. If you issue invoices for goods or services to other businesses and find yourself waiting to be paid or managing late payments, factoring can offer many benefits to businesses. 現金流管理是任何業務成功的關鍵 如果你向其他企業發出商品或服務的發票, 並發現自己一直在等待對方付款或處理逾期欠款, 應收帳融資可為你的業務帶來很多好處 If any of these situations sound familiar, factoring could give your business the cashflow injection it needs. By releasing cash against your outstanding customer invoices before they ve been paid you can manage your cashflow, and your business, more effectively. In our guide, we explain what factoring is and how it could benefit your business. 如果上述這些情況聽起來很熟悉, 那麼應收帳融資會給你的企業帶來所需的現金流 在客戶付款之前, 利用未到期的客戶發票來套取現金, 你可以更有效地管理現金流和業務 在我們的指南中, 我們會解釋什麼是應收帳融資以及應收帳融資如何讓你的業務得到收益 2
3 How does factoring work? 應收帳融資如何運作? Factoring allows you to release a large proportion of an invoice s value usually within 24 hours of its issue. Then, once your customer has made payment, the remaining balance is paid to you, minus any fees. 應收帳融資可讓你在發票發出後通常 24 小時內套取相當於該發票面額的大部分款項 然後, 當你的客戶付款, 你將取得扣除適用費用後的剩餘款項 Factoring is an attractive option for smaller businesses, whose resource would be better spent on day-to-day activities. Because our dedicated credit control team collect your outstanding invoices, your time is freed up to concentrate on running your business. As part of factoring, credit protection lowers the risk of your business suffering from bad debt, in case your customers are unable to pay or end-up insolvent. 對於較小型企業來說, 應收帳融資是一項具有吸引力的選擇, 讓資源更有效地運用於業務的日常運作 我們專業的信貸管理團隊會代為催收你的未付款發票, 讓你有更多時間集中於處理你的業務 作為應收帳融資的一部分, 如果你的客戶無法償還或最終破產, 信用保障可以保護你的業務免受不良債務影響, 避免壞賬產生 WE PAY UP TO 80% OF YOUR INVOICE VALUE USUALLY WITHIN 24HRS 我們通常 24 小時內預付高達發票面額 80% 的款項 YOUR CUSTOMER WILL PAY US 你的客戶將直接付款給我們 COMPLETE YOUR WORK OR SELL YOUR GOODS 完成工作或賣出商品後 INVOICE $ INVOICE PAID SG$ INVOICE YOUR CUSTOMER AND SEND A COPY TO US 開出發票給客戶並提交副本給我們 WE COLLECT PAYMENT ON YOUR BEHALF 我們代你催收付款 WE PAY YOU ANY REMAINING BALANCES MINUS ANY PRE-AGREED FEES 我們扣除預先同意的費用後, 清付餘款給你 3
4 The benefits of FACTORING 應收帳融資的優勢 There are many reasons businesses are increasingly turning to factoring. Here are just a few: 有很多原因讓不同企業日益轉向應收帳融資 以下僅是幾個原因 : Boost your cashflow without the need for debt 有效改善你的現金流而無需增添債務 Because factoring is not a loan, you re not taking on any debt. This keeps your cashflow healthy. 因為應收帳融資不是貸款, 所以你沒有承擔任何債務, 讓你保持健康的現金流 MORE TIME AND RESOURCE TO FOCUS ON YOUR BUSINESS 有更多的時間和資源來處理你的業務 Dedicated credit control service, allows you to focus your time and energy on your business. 專業的信貸管理服務, 讓你可以將時間和精力集中於你的業務上 MINIMISE LATE PAYMENT AND BAD DEBT 把遇上逾期欠款和壞賬的機會減至最低 To safeguard your business, credit protection is provided to mitigate bad debt risk. 為了保障你的業務, 信用保障能有效減低壞賬風險 REALISE OPPORTUNITIES 把握機遇 With an improvement in cashflow you ll be in a better position to realise new opportunities, take on new orders or expand and invest in your business. 隨著現金流的改善, 你將更有實力把握新的機遇, 接受新的訂單或拓展和投資你的業務 TAKE ADVANTAGE OF DISCOUNTS FROM SUPPLIERS 充分利用供應商的折扣優惠 You will be able to take advantage of volume discounting deals with your own suppliers as you will be in a position to buy larger units or to take advantage of supplier discounts for early payment. 你將能夠享受你的供應商所提供的批量折扣優惠, 因為你有充裕的資金購買更多貨量, 或獲得向供應商提前付款的折扣優惠 GET TO KNOW YOUR CUSTOMERS BETTER 加深你對客戶的了解 We can give you useful information about the credit standing of your customers, which can help you to negotiate better terms with your suppliers. It also means you can take on better quality customers and improve your debt position between more customers instead of concentrated in just a few. 我們可以為你提供有關客戶信用狀況的有用資料, 幫助你與供應商談判, 以獲得更好的條件 這也意味著你可以吸納更高質素的客戶, 並改善你與更多客戶之間的債務狀況, 而不是集中於少數客戶身上 4
5 Helping businesses with their funding 幫助各類型企業獲得融資 YOUNG BUSINESSES 年輕公司 One of the main challenges for young businesses is securing financing for their new venture. Factoring gives you quicker access to cash without worrying about building up debt. Also, because it s flexible, your credit can increase quickly to accommodate your growing sales, allowing you to build your business more easily. 年輕公司面臨的主要挑戰之一是為他們的企業獲得融資 應收帳融資可以讓你更快地獲得資金, 而不用擔心增添債務 另外, 因為其靈活性, 你的信用額度可以迅速提升, 以配合你不斷增長的營業額, 讓你更輕鬆地建立你的業務 Businesses with growth aspirations 期望增長的企業 Without the necessary funding in place, expansion plans often stall. Factoring can turn your ambitions into reality, freeing up cash so you can invest or expand your business. 如果缺乏需要的資金, 業務拓展計劃往往會停滯不前 應收帳融資可以實現你的抱負, 騰出現金, 以便你投資或擴展業務 Businesses entering new markets 企業打入新市場 While exporting can have significant benefits, selling goods or services to overseas customers can present a number of financial challenges. Factoring can help you overcome unpredictable payment cycles, giving you access to money tied up in invoices without having to wait for bills to be paid. 雖然出口可以帶來顯著的好處, 但向海外客戶出售商品或服務可能會帶來潛在風險 應收帳融資可以幫助你克服不可預計的付款週期, 讓你預先取得發票的款項, 而無需等待賬單被支付 5
6 WHAT OUR CLIENTS SAY 看看我們的客戶怎麼說 ADRIAN TAYLOR, MANAGING DIRECTOR OF BRAUER LTD NEEDED TO FUND THEIR PLANS GROW THEIR TURNOVER: BRAUER LTd 董事總經理 ADRIAN TAYLOR 需要為公司的 計劃籌集資金來提升營業額 : We needed a funding partner who understood our goals and ambition to invest in new manufacturing machinery and recruit more skilled staff. Both have been made possible thanks to Bibby Financial Services. They also handle all our credit control which saves us valuable time and money. 我們需要一個了解我們的目標和抱負的融資夥伴, 支持我們投資於添置新的生產機器和招聘更多熟練的員工 感謝畢爾比財務, 讓我們實現了這兩方面 他們也處理我們所有的信貸管理, 為我節省了寶貴的時間和金錢 6
7 Kishore Vedangi, Director of TechnoPals Pte Ltd required cash to grow the business and realise their potential: TECHNOPALS PTE LTd 董事 KISHORE VEDANGI 需要資 金來發展業務並實現其潛力 : It was such a pleasant experience working with Bibby Financial Services in obtaining financial support for our company. They all make a great team, very responsive and make every effort to accommodate our request at the earliest possible time. 透過畢爾比財務為業務發展獲得融資, 是很愉快的經驗 他們是很優透的團隊, 反應迅速, 而且很用心去盡快滿足我們的要求 7
8 OUR PRODUCTS AND SERVICES 我們的產品和服務 Part of Bibby Line Group, Bibby Financial Services (BFS) is a leading independent financial services partner to over 10,000 businesses worldwide. We have over 35 years experience, delivering tailored, flexible financial solutions to businesses across Europe, North America and Asia. With over 40 operations in 13 countries, we provide specialist and adaptable trade, asset and working capital funding, helping businesses to grow in domestic and international markets. The information provided in this guide has been prepared for general guidance and does not constitute professional advice. Businesses should seek professional advice before making any funding decisions. If you would like to see how Bibby Financial Services can help your business needs, please get in touch with our expert team. 作為 Bibby Line Group 的子公司, 畢爾比財務是全球領先的獨立融資服務公司, 服務全球超過 10,000 家企業 我們擁有逾 35 年的經驗, 致力為身處歐洲 北美洲以及亞洲地區的企業, 提供貼身及靈活的融資方案 透過遍佈於 13 個國家超過 40 家分公司, 我們提供專業而可行的貿易 資產以及營運資金方案, 支持企業於本地以及國際市場的發展 本指南中提供的資料旨在給予一般性指引, 並不構成任何專業意見 在作出任何融資決定前, 企業應尋求專業意見 如欲了解畢爾比財務如何支援你的業務發展需求, 請與我們的專業團隊聯絡 WE BELIEVE IN YOUR BUSINESS MANPOWER SUPPLY CONSTRUCTION MARINE & OFFSHORE
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