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Debt finance is a form of funding where a business borrows money that is repaid over time, typically with interest. It is commonly used to fund growth, acquisitions, working capital, or refinancing. Debt finance can be structured in many ways, including term loans, asset-backed lending, and hybrid facilities.

Inventory finance is a form of working capital that allows businesses to unlock cash tied up in stock. Instead of paying upfront for inventory, a lender provides funding against your stock, enabling you to purchase goods, manage supply chains, and support growth. As inventory is sold, the facility is repaid, making it a flexible solution for businesses with significant stock requirements.

Invoice finance is a form of working capital that allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting 30–90 days for customers to pay, you can access up to 85–90% of the invoice value within 24–48 hours. Once your customer pays the invoice, the remaining balance (minus fees) is released. Invoice finance helps improve cash flow, support growth, and reduce reliance on traditional lending.

Purchase order finance (also known as PO finance) is a form of working capital that enables businesses to fulfil customer orders without using their own cash. A lender pays your supplier directly to produce and deliver goods, allowing you to complete the transaction and generate revenue. Once your customer pays, the finance is settled. This type of funding is commonly used by growing businesses that need to fulfil large orders but have limited upfront capital.

We offer both recourse and non-recourse financing options. With recourse financing, your business remains responsible if the customer doesn’t pay. Non-recourse options provide additional protection but typically have different qualification criteria. 

Debt finance is used for a wide range of purposes including business expansion, acquisitions, funding working capital, supporting large projects. It provides businesses with access to capital without giving up equity.

Once your application is approved, you can typically access inventory finance funding within 3–5 business days and repeat clients often experience faster turnaround times.  Funding timelines depend on the complexity of your inventory and supply chain, but at Teybridge Capital Europe, our streamlined process and BRIDGE platform help accelerate access to working capital so you can keep your business moving.

Debt finance involves borrowing money that must be repaid with interest, while equity finance involves raising capital by selling shares in the business. Debt finance allows you to retain ownership and control, whereas equity finance involves dilution but does not require repayment.

The amount of inventory finance available depends on the type, value, and liquidity of your stock. Typically, lenders advance a percentage of the inventory value, with higher advance rates available for fast-moving or high-demand goods.

Invoice factoring and invoice discounting are two types of invoice finance: Invoice factoring involves the lender managing your sales ledger and collecting payments from your customers whereas Invoice discounting allows you to retain control of collections while using invoices as collateral for funding. At Teybridge Capital Europe, we offer flexible solutions, including selective invoice finance, tailored to your business needs. Read our full guide on the difference between invoice factoring and invoice discounting here.

The process involves submitting the purchase order, supplier details, cost breakdown, and customer information. Once approved, we pay your suppliers directly, enabling you to fulfil the order and generate revenue without using your own working capital.

Purchase order finance and invoice finance are both forms of working capital, but they are used at different stages of the sales cycle. Purchase order finance is used before goods are delivered, funding supplier costs so you can fulfil an order whereas Invoice finance is used after goods or services are delivered, unlocking cash tied up in unpaid invoices. Many businesses use both solutions together to fund the full working capital cycle and at Teybridge Capital Europe, we provide both options.

Initial feedback and indicative terms are typically provided within 1-2 weeks. The full approval and documentation process usually takes 6-8 weeks depending on the complexity and size of the financing. 

Once approved, supplier payments can typically be made within 48–72 hours and repeat clients often experience faster timeframes. Funding speed depends on the complexity of the order and supplier arrangements, but with Teybridge Capital Europe, our BRIDGE platform ensures fast access to purchase order finance so you can fulfil customer orders without delay.

Yes, a confirmed purchase order from a creditworthy customer is typically required to access purchase order finance. The order must be legally binding and supported by clear delivery and payment terms, ensuring the transaction can be completed and repaid.

Repayment terms are flexible and designed to align with your sales cycle and inventory turnover. Typically, repayments are made as inventory is sold, with full settlement expected within 3–12 months, depending on your business model and stock profile.

In many cases, we do not require personal guarantees, as we focus on structuring debt finance facilities that are supported by the strength of the business and underlying assets. Each transaction is assessed individually, allowing us to provide flexible solutions tailored to your specific circumstances.

We pride ourselves on being a flexible debt finance partner. If your business circumstances change or new opportunities arise, we work with you to adapt the structure of your debt finance facility wherever possible. Our goal at Teybridge Capital Europe is to support long-term growth by providing funding that can evolve alongside your business.

Invoice finance is not a traditional loan. It is a form of asset-based finance where funding is secured against your outstanding invoices. This means it does not create long-term debt in the same way as a loan and instead grows in line with your sales, making it a flexible and scalable funding solution.

Once your facility is approved, you can typically access funds within 24–48 hours of raising an invoice. The initial setup process usually takes 1–3 weeks, depending on the complexity of your business and debtor book. With Teybridge Capital Europe, our streamlined onboarding and BRIDGE platform help accelerate access to funding so you can maintain momentum.

Our valuation considers factors such as market demand, turnover rates, seasonality, and shelf life. We may conduct a physical inventory audit or review detailed inventory records during the application process to ensure accurate valuation and risk assessment.

We finance a wide range of inventory types including finished goods, raw materials, and work-in-progress inventory. Highly perishable goods or items with very limited shelf life may have different terms. 

Inventory finance and invoice finance are both forms of working capital but are used at different stages of the business cycle: Inventory finance provides funding before goods are sold, enabling you to purchase stock whereas Invoice finance unlocks cash after goods are sold, based on unpaid invoices. Many businesses use both solutions together to manage their full cash flow cycle and Teybridge Capital Europe provides both of these financing options.

We finance invoices issued to creditworthy businesses (B2B) for delivered goods or completed services. Typically, qualifying invoices are issued to established companies and are supported by clear payment terms.

Our fee structure is transparent and typically includes a small percentage of the invoice value. At Teybridge Capital Europe, we provide a clear, upfront breakdown of all fees so you can make informed decisions with no hidden surprises.

Yes, debt finance can often be combined with other funding solutions such as invoice finance, purchase order finance, or inventory finance. At Teybridge Capital Europe, we frequently structure a combination of facilities to create a comprehensive working capital solution tailored to your business needs.

We typically finance up to 80% of the purchase order value, depending on the strength of your customer, supplier, and transaction structure. This allows you to complete large orders without putting pressure on your cash flow or existing working capital.