Funding Solutions

Our range of flexible business finance solutions includes Asset Based Lending, Invoice Discounting and Factoring along with Bad Debt Protection.


Founded on expertise. IGF is a leading independent commercial finance provider with a national presence.

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Products / Asset Based Lending

Asset Based Lending

Unleash the combined strength of your business assets to power your success.

Asset Based Lending can provide the liquidity you require at every stage of your business cycle, including growth, management buy outs, buy ins, mergers and acquisitions, expansion, turnarounds, restructurings, and major investments.

What we offer

IGF Group’s highly experienced ABL team can generate a higher level of funding for your business by unlocking the maximum value tied up in the combined assets within your business, including: Debtors, Inventory, Plant & Machinery and Property. We can also structure a top up Cash Flow Loan to support Mergers and Acquisitions activity.


Benefits of Asset Based Lending

Asset Based Lending is a versatile finance solution driven by strategic reasons, such as expansion plans, funding an acquisition or a management buy out.

  • Maximises availability and certainty of funding

  • Minimises execution risks

  • Ideal for growth, acquisitions and MBOs

  • Meets the demands of your timeframes

  • Cash flow loan creates additional headroom

Asset based Lending Products

Invoice Discounting

UK businesses are increasingly turning to their assets to release working capital for growth. Invoice Discounting is at the heart of every Asset Based Lending facility we deliver.

Not only does Invoice Discounting provide a substantial initial cash injection, it is a revolving funding line that will sustain your growth trajectory.

Our focus is always to maximise the availability and certainty of your funding, so we often supplement Invoice Discounting with funding against additional assets as an integral part of a full ABL package. Advances of up to 90% of the Sales Ledger are available.

  • Up to 90% of Sales Ledger

    Advances of up to 90% of the Sales Ledger are available.


With IGF, you can also use your Inventory (Stock) as security as part of a wider Asset Based Lending package.

In the case of Inventory, we will advance up to 85% of the Eligible Value on a revolving basis. Your availability of funding therefore goes up and down in line with your stock levels. This can be very useful to a business that has seasonal trading fluctuations or that carries high values of stock to cover customer needs.

  • Up To 85% of Eligible Value

    Advances of up to 85% of the Eligible Value on a revolving basis.

Plant & Machinery

In respect of Plant & Machinery, our advance will take the form of an amortising loan of up to 4 years.

An advance of up to 75% of the value of existing equipment can prove an excellent way to raise funds for further capital expenditure (capex) or other developments.

  • Up To 75% of Equipment Value

    Up to 75% of the value of existing equipment can prove an excellent way to raise funds.


Commercial Property provides a business with stability but there may be equity as a result of loans being paid down that could be re-used profitably in the business.

Our facilities of up to 75% LTV are amortising but may be structured to offer a lower level of repayments during the term with a bullet repayment of the balance.

  • Up to 75% LTV

    Our facilities of up to 75% LTV are amortising but may be structured to offer a lower level of repayments.

Cash Flow Loans

In addition to the ability to release working capital, is often necessary to provide an additional loan based on the cash flow of a business – particularly to support private equity sponsored transactions and M&A activity.

This supplemental facility is available to organisations with strong capital structures and can make all the difference in making deals a reality.

Commercial Loans

A Commercial Loan from IGF is the perfect way to raise money for your business quickly and easily.

We offer a fully flexible Commercial Loan with options designed to make your life easier.  Create the loan you want.  Reduce your payments.  Pay off your loan anytime.  Pay just the interest.  Draw down in stages.

With IGF you’re in the driving seat.

Looking for a fast decision?

Our decision makers will see you at your business premises.

Call us now on 0800 051 8397 to speak with our sales team,
or email

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  • What our clients say

    IGF understands the issues and goals facing a global supply company like us – both long and short-term – and offered the most flexible and cost-effective package, tailored to meet the our business and cashflow aims. Through invoice factoring, IGF enables us to draw down cash as and when required – prior to invoice settlement dates – thereby smoothing the peaks and troughs in the company’s cashflow.

    IGF was recommended to us by our accountants, and when I started talking to them I got a good feeling. I liked the fact they explained things in layman terms, with none of the jargon you normally get. After all, we’re an engineering company not a financial company! There’s always someone on the end of the phone who can answer the call and sort out any problems. We deal with real people in real time and get things done.

    Trevor Carlin , Business Operations Director of Coler Supply Solutions Ltd