A factoring facility that underwrites on live Companies House intelligence, not a slow credit committee. Score the debtor, size the advance, chase the invoice, keep IR35 clean.
Every capability below is a real BRG engine. Live engine = wired and probe-verified in our platform; Staged = built, being wired in.
Score any UK debtor from filed Companies House accounts, a transparent 0–100 score, A–E band and flags. The advance rate follows the covenant.
A Companies House number in; every agent reports back, accounts, directors, distress, sector risk.
Assess IR35 risk on the placements you're funding so a reclassification never lands on your facility.
Sizes the facility to the binding constraint, the lesser of DSCR debt and advance-rate headroom.
Automated payment-chase and reconciliation on every funded invoice. Your team works placements, not the ledger.
Deals outside our own book: OTTO matches the right panel lender and produces the intro, introducer-fee aware.
Statutory large-company pay-terms (average days, % late) as early warning on every debtor. Built; wiring in.
A facility-graduation path for growing agencies, advance rates rising as the record proves out. In build.
Every debtor and connected party runs a covenant + sanctions check before funding, the gate behind our customs bonds.
For staffing agencies funding weekly or monthly contractor payroll against placed invoices.
Upload the placed-timesheet invoice and the end-client. We read the debtor from Companies House.
Covenant score, IR35 status, payment history and DSCR headroom, computed in one pass.
Up to 90% of the approved invoice is advanced to fund payroll; the rest released on debtor payment.
InvoiceForge chases and reconciles the debtor. You keep placing; the ledger runs itself.
Tell us your monthly placed-invoice volume and your typical end-clients. We come back with an indicative advance rate and structure, underwritten on live data, not a two-week wait.
Your enquiry routes straight to the funding desk.