About Us

At Easy Factors International we believe that if a business is paying secondary rates of interest on loans and does not have the growth to effectively reduce the value of the borrowing over time as a percentage of sales and assets, then the business is unlikely to survive.

We encourage our clients to be aware of the ‘weighted average cost of capital’ and understand and plan to benefit from the various types of finance available in the market.

As business grows, we actively encourage our clients to obtain traditional bank finance at cheaper rates and we will step back in the security ranking to assist*. We also encourage the mix of equity, primary and secondary debt to be regularly reviewed. For example:

1. Equity – this can both be the cheapest and most expensive funding for a business. Cheapest (depending on structure) in terms of cash flow but most expensive in terms of the share of the business (and future profits or eventual share in the future sale of the business) that may have to be given up to achieve it.
2. Primary Finance – generally provided by banks and still the cheapest but often not very flexible.
3. Secondary Finance – often flexible but more expensive and priced for risk. In the case of Easy Factors International this can include factor finance, revolving credit and terms loans or a mixture.

Ideally a business will have a growth story, good consistent GP and the requirement for the secondary finance to take the business to a new level, where again the method of funding it can be reviewed to the mix that best suits the business.

So, if you’re looking for an alternative to traditional bank borrowing, more flexible and tailored financing options and a quick, no-nonsense response, talk with Easy Factors International today.

*Circumstances vary and terms and conditions apply. Each case is considered on its individual merits and our willingness to step back is subject to credit criteria.