Receivables Finance · Platform, not a product

Finance the whole debtor book, underwritten by an engine, run by agents.

Covenant-score every debtor from live Companies House data, size senior debt to the binding DSCR constraint, and run collections automatically. Give each partner their own console. One platform, origination to cash.

0–100Transparent covenant score & A–E band per debtor
DSCRSenior debt sized to the binding constraint
AutoCollections & reconciliation on every invoice
Per-partnerOwn-branded console on each partner's domain
One assembled platform

Every layer a receivables lender needs, already built.

Live engine = wired and probe-verified in our platform. Staged = built, wiring in.

Live engine

Covenant engine

Score any UK debtor from filed accounts, transparent 0–100, A–E band and risk flags. Shared across every BRG finance product.

Live engine

Capital-stack DSCR solver

Sizes senior debt to the lesser of DSCR capacity and asset headroom, so the book stays bankable, never over-geared.

Live engine

Lender matching (OTTO)

Matches a company and its SICs to the right panel lender and produces the intro, introducer-fee aware for syndication.

Live engine

Instant company report

A Companies House number in; every agent, accounts, directors, distress, sector, reports back. Diligence in seconds.

Live engine

Collections (InvoiceForge)

Automated payment-chase and reconciliation across the funded book. VIPER debt-recovery escalation where a debtor slips.

Live engine

Get Paid OS board

A PII-safe risk-ranked debtor board: exposures, actions and escalations at a glance for the credit-control desk.

Live engine

Per-partner console door

Cloudflare-native partner OS: one bundle skinned per partner on their own domain, same-origin, data flows home.

Staged

Payment-practice radar

Statutory large-company pay-terms (avg days, % late) as book-wide early warning. Built; wiring in.

Live engine

Sanctions & counterparty gate

Covenant + sanctions screen on every debtor and connected party before capital is committed.

The bankability check

Size the facility to what the cash flow can service.

The DSCR solver takes annual serviceable cash flow and a target cover ratio and returns the senior-debt capacity that stays bankable. Move the inputs, see the constraint bite.

This preview is illustrative. The live solver fuses filed accounts, covenant band and asset headroom.

DSCR debt-capacity preview

Illustrative, not a lending decision.
Annual debt service capacity£400,000
Indicative senior-debt capacity£3,636,000
Illustrative simplification (capacity ≈ service ÷ rate). Real sizing applies amortisation, covenant band and asset headroom. Not a credit offer.
Origination to cash

How a receivables programme runs on the platform.

Onboard the book

Import debtors; the engine scores every covenant and flags concentration and distress from live filings.

Structure & size

DSCR solver and OTTO set the facility, advance rates and, where needed, the syndication route.

Fund & monitor

Advances release; the Get Paid board tracks exposure and payment-practice signals in real time.

Collect & report

InvoiceForge and VIPER run collections; each partner sees their own console, data flowing home.

Talk to the platform team

Book a walkthrough of the receivables platform.

Whether you're a lender wanting the engine white-labelled or a business funding its own receivables, tell us the shape of the book and we walk you through origination, sizing and collections on live data.