Working Capital Redefined

We lend money to help your business succeed

What is Pay4?

Pay4 is a flexible revolving credit facility, which can be used to fund a company’s UK and international supplier payments. The facility is made available to creditworthy UK businesses and accessed via an easy to use online platform. No security is taken over the company’s assets, so the facility works well alongside other forms of finance and you only pay for the facility when you use it.

Key Features

Revolving credit facility from £50k
Up to 120 days credit (from date of invoice)
Works alongside existing finance
Pay your UK or international suppliers
No setup or non-utilisation fees
Easy to use online platform

Pay4 in a nutshell

You Upload Supplier Invoice(s)

You Choose Payment Terms

We settle the invoice(s)

You pay us back

Who can use Pay4?

any industry & have UK or international suppliers

profitable with a capital base of £200k+

limited company, LLP or PLC (registered in the UK)

turnover of £1.5m+ per annum

trading history of 3+ years

You can use the facility to

MANAGE CASH FLOW GAPS

Have access to working capital throughout the year. Easily bridge the gap between your supplier and your customer terms

SOURCE EQUIPMENT, PRODUCTS AND MATERIALS

Having more liquidity within your business on a long-term basis opens up a range of exciting possibilities.

SECURE PROMPT PAYMENT DISCOUNTS

Paying suppliers upfront doesn't affect your cash flow when you finance your supplier payments. Prompt payment discounts easy to negotiate because you use Pay4.

OFFER COMPETITIVE CUSTOMER TERMS

Extra working capital makes it easier for you to offer extended credit terms to your customers. This can help you win high value customers.

FINANCE LARGE ORDERS

Tendering for larger contracts that would otherwise stretch cash resources becomes possible thanks to Pay4. Stock levels can also be increased to meet the demand of larger customer orders.

Scale up

Scale-ups invest in supply chain optimisation, market research, innovation and production changes. All of which require flexible, readily available working capital.