Looking after your interests

A Guide to Our Services

Make the first moveWe are here to support yourbusiness aspirations

At Cost Saving Financewe are committed tohelping UK businessesof all sizes finding theright solution and thebest possible option fortheir financial servicesrequirements. Thisguideguideguideguide is to help youunderstand where wecan assist you.

The are so manyfinancial products andservice optionsavailable, whichtypically, businesses areaware of the options,but they are short oftime when running their

businesses, to spendtime looking at thealternatives available-this is where we comein!

The appropriatepackages can help youhelp save money andhelp you manage yourbusiness cash flowbetter, even take partsof the invoice processaway, and remove thehassle of visits to thebank to pay cash-in.

At Cost Saving Financethis is where we excelmaking life easier by

helping source thesolution a business islooking for. Even if manyof the products listed inthis guide are alreadyused by a business, weare happy to look atsaving money byresearching alternativeproviders i.e. MerchantServices up to 10providers and IF tomany of the leadingproviders.

InvoiceFinancingIf your business sells to otherbusinesses on credit, you willunderstand the benefits of turningunpaid invoices into working capital.The money tied up in outgoinginvoices can strangle your business ifyou have to purchase supplies andservices in order to provide productsto your customers.

Improved cash flow can lead to betterrelationships with your customers andsuppliers, and allow you to plan forthe year ahead with greaterconfidence.

There are two ways to raise financeagainst you outstanding invoiceswhich are factoring and discounting.They both provide access toimmediate funds against you invoices.However, the only real differencebetween invoice discounting andfactoring is you are responsible for theinvoicing and the chasing ofpayments. This means that yourcompany still has to pay for resourcesfor processing invoices and collectingthe monies owed.

AssetFinancingCost Saving Finance will help yousecure on all types of business assets.From manufacturing plant andmachinery to motor vehicles, ourexpertise will allow you to fund yourspecific assets.

Paying cash for new assets can drainyour business of needed capital, whichis where asset finance can help yourbusiness.

New assets are the driving forcebehind your business. And at CostSaving Finance, we will work toprovide a solution that secures theassets you need. So whatever yourasset requirements or sector, take afew moments to explore our solutions.The right asset finance package awaitsyou.

AcceptingCardsWhether you are a brand newbusiness, or have been trading for awhile and are considering takingcard payments, Cost Saving Financecan help you. Credit and debit cardsare now the preferred method ofpayment for the majority of peoplein the UK. We will help youunderstand the options available toyou and look at ways to provide themost cost effective solution.

If you already accept card paymentsor if you are taking over an existingbusiness already accepting cards, wemay be able to review and reduceyour annual costs significantly.Reducing the fees for processingcredit and debit cards for our clients,through the use of a consultancyservice. Send us three months cardstatements and your requirementswill be reviewed by up to 10providers to find the best deal foryou.

Business CashAdvanceIf you accept card payments it’spossible to raise cash against yourcredit and debit card sales, which canhelp provide smaller retailers, such asrestaurants, garages, hairdressers andshops with alternative fundingoptions.

Selling your future credit cardreceivables is a great alternative toconventional loans and overdrafts. TheBusiness Cash Advance turns yourcredit and debit card sales into cash,giving you a cash injection into yourbusiness. This lump sum is based onprevious credit and debit card salesand is repaid through future credit anddebit card transactions - typically overa 6 month period.

This is not a conventional loan as thereis no monthly fixed-sum repayment forthis cash advance, just a fixedpercentage on each future debit andcredit card transaction.

CommercialPropertyLendingAt Cost Saving Financewe can help you arrangea mortgage to suit yourproperty needs frominvestment to owneroccupied commercialmortgages.

We don’t just look to thehigh street, but we alsohave links with a numberof finance houses so wedo our utmost to find apackage that fits yourneeds.

Typically we can source:

DevelopmentFinanceIf your undertaking orconsidering adevelopment project andrequire propertydevelopment finance, CostSaving Finance can helpyou.

We will look after thesourcing of thedevelopment, whichallows you to devoteyourself to themanagement of thedevelopment project inthe knowledge someoneelse is taking that hassleaway from you.

We work with lenders whounderstand the challengesand issues that eachindividual developmentpresents. Therefore, welook at sourcing thepackage that suits yourneeds.

Lenders will always look atthe Gross DevelopmentValue, during thiseconomic climate this sitsat 50% to 60% GDV. Mostlenders will usually lend100% of development costif it does not exceed theGDV parameters.

We help source finance forNew Builds,Refurbishments andBridging.

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Loan to Value (LTV) 75%Lending Amounts£25,001 - £ 5m

Commercial InvestmentMortgages

Commercial Mortgageson Leasehold as well asFreehold properties

Buy to Let finance forresidential propertyinvestments

Terms between 5 to 20Years

Non-status CommercialLoans for clients withadverse credit history

Other Services weprovide via partnersWe at Cost SavingFinance are alwayslooking to provide youeven more services tohelp you operate yourbusiness. Therefore, wehave we have partneredwith a Foreign Exchangebusiness who typicallysave you 3% againstbank prices and amultiple award winninglife insurance advisor tohelp you.

Both can typically saveyou money against thecompetition andworthwhile consideringwhen thinking aboutthese services.

Foreign ExchangeForeign ExchangeForeign ExchangeForeign ExchangeWe have teamed upwith a leading providerof foreign exchangeservices, offeringcompetitive currencyexchange rates forinternational moneytransfers and anincomparable personalservice to both privateindividuals andcompanies with aforeign currencyexchange need.

There are no chargesand free internationaltransfers. Opening anaccount is quick, simpleand free.

Life InsuranceLife InsuranceLife InsuranceLife InsuranceWe have teamed theUK's Best ProtectionAdviser in eight of thelast nine years, to bringyou the best advice andprices best suited toyour individual needs.They will help youchoose the right LifeInsurance Cover, decidethe level of life coverneeded and term ofcover.

Cost Saving Finance Ltd145-157 St John Street, London, EC1V 4PW

Telephone: + 44 (0) 75401 53500Email: costsavingfinance@gmail.co.uk | Website: www.costsavingfinance.co.ukTwitter: @costsavingfinan | Facebook: www.facebook.com/costsavingfinance

Looking after your Interests

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