Invoice Discounting solution

How our Management consulting team can help you

Our Management consulting team have created a data-driven solution that uncovers hidden risks and profitable opportunities in the sales ledgers of invoice discounting borrowers.

Our difference? We go one level deeper, analysing the customers of your borrowers. Together, we can uncover your key risks sooner and tackle them at their origin.

What our solution will do for you

This innovative solution uses trend analysis to provide lenders with greater foresight on upcoming risks and profitable opportunities within their borrower's sales ledgers, whilst simultaneously predicting future needs based on historical trends.

We help you to reduce the risk of malpractice and credit loss in a portfolio, whilst enhancing opportunities to confidently increase limits to meet borrowers’ needs. We shift the focus from detective controls to preventative controls, and help you uncover what can’t be seen.

The risks we uncover

At the heart of this innovative solution is the measurement of five key risks we aim to mitigate. The trend and risk analyses that have been built deliver a comprehensive risk score to assess the likelihood of borrowers, knowingly or unknowingly, being susceptible to these. We uncover specific invoices, debtors and trends which relationship managers can raise with their borrowers.

Pre-invoicing risk: The risk that invoices are raised in advance of the goods or services being delivered.
Ageing risk: The risk that as invoices approach the limit of their funding, they are credited and re-invoiced to the end customer.
Suppressing credit notes: The risk that credit notes are not issued on a timely basis, as it can reduce downdrawn ability.
Fresh air risk: The risk that a company issues invoices that have no legal substance to them whatsoever.
Direct banking risk: The risk that funds are maliciously diverted to unauthorised bank accounts.

The dashboard

Our interactive solution delivers three-layers of analyses to give you and your relationship manager’s both oversight and in-depth insights. These outputs are interactive and can be filtered by sector, date, borrower, and relationship manager.

Borrower-Specific view

The view drills down on individual borrowers, providing an unparalleled in-depth analysis by homing in on your borrower’s and their customers. This will support you in uncovering risks sooner, and at their origin, whilst also delivering your high-level metrics and forecast information.

Portfolio view

This focuses on the relationship manager’s individual portfolios. We provide a clear overview of each client’s risk score, categorising them by sector. This is coupled with a graph that tells the story of the change in risk of each client over the last 12 months. We also highlight your client’s facilities, using our bank of knowledge to suggest strategic and profitable adjustments that can be made to protection and grow profitability.

Organisation-Wide view

This view provides a holistic lens on all of your portfolios across the business, correlating risk scores and facility sizes to assess their relative overall position. This is coupled with key insights, allowing you to quickly and easily identify where strategic headroom adjustments can be made, and how your relationship managers are performing.

Get in touch

To organise a free demonstration, please contact our consulting team.

Book your free demonstration

Frequently asked questions about our Invoice Discounting solution

1. I’m a relationship manager, will my customers see these insights?

Only if you choose to share. No extra information will be needed from your customers to drive these insights. There could be insights that are news to the customer and can support their business, as well as protecting your debt.

2. Can you provide daily insights?

We can, but our business model prioritises monthly insights to ensure we only deliver true trends,rather than frequent notifications that may not accurately represent your most important information.

3. How do you measure your risk scores?

We have pre-defined risk parameters that draw from ledger information. These parameters are adjusted in the background based on the nuances of your borrower’s portfolios.