Receivable Finance
Your Sales Ledger is Your Strongest Asset
Unlock the capital trapped in your outstanding invoices. Origin structures bespoke receivables facilities that accelerate cash flow across borders and currencies, without the restrictive covenants of traditional bank lines.
THE ORIGIN ADVANTAGE
BEYOND TRADITIONAL LENDING
True Sale & Off-Balance Sheet
Optimize your leverage ratios. We can structure facilities as a “True Sale” of receivables, potentially allowing you to treat the funding as revenue realized rather than debt incurred.
Concentration &
Flexibility
Where banks see risk in customer concentration, we see opportunity in strong debtors. We structure facilities that look at the credit quality of your customers, often allowing for higher advance rates and larger limits.
Multi-Currency Capabilities
We don't let borders bottle up your cash. We fund against receivables in USD, EUR, GBP, and other major currencies, allowing you to repatriate capital or fund local operations seamlessly.
Concentration
& Flexibility
Where banks see risk in customer concentration, we see opportunity in strong debtors. We structure facilities that look at credit quality of your customers, often allowing for higher advance rates and larger limits.
True Sale &
Off-Balance Sheet
Optimize your leverage ratios. We can structure facilities as a “True Sale” of receivables, potentially allowing you to treat the funding as revenue realized rather than debt incurred.
Multi-Currency Capabilities
We don’t let borders bottle up your cash. We fund against receivables in USD, EUR, GBP, and other major currencies, allowing you to repatriate capital or fund local operations seamlessly.
Estimate Your Liquidity
Potential
See how much capital is currently trapped
in your Days Sales Outstanding (DSO)
Strategic Applications
Structuring & Technical
Considerations
Is this structured as debt or a true sale?
Origin can structure facilities as either secured lending or a “True Sale” of the receivable. A True Sale structure generally allows you to derecognize the asset from your balance sheet, potentially improving DSO metrics, liquidity ratios, and leverage profiles without adding debt.
How does this work with my existing bank lines?
We frequently work alongside senior lenders. Because our facility relies on the creditworthiness of your customers rather than your firm alone, we can often carve out specific receivables or jurisdictions via an intercreditor agreement, providing liquidity that sits comfortably on top of your existing revolving credit facility (RCF).
How does this differ from traditional factoring?
Traditional factoring often requires selling your entire ledger with intrusive notification processes. Origin’s approach is surgical. We allow you to monetize specific customer segments, currencies, or high-volume accounts without disrupting your broader collections process.
Will my customers know I am funding their invoices?
We offer both disclosed and confidential facilities. In a confidential structure, your customer continues to pay into a collection account in your name and remains unaware of the funding arrangement. In disclosed structures, our team handles notification with white-glove, institutional professionalism.
Which currencies and jurisdictions can you fund?
We are built for cross-border trade. We can fund receivables denominated in USD, EUR, GBP, CAD, AUD, and SGD, among others. We can purchase invoices from sellers in North America, Europe, the Middle East, and Asia, provided the debtor meets our credit criteria.
How heavy is the technical integration?
We do not require you to overhaul your ERP. We operate a light-touch data exchange, accepting data via API, SFTP, or simple file upload. Our operations team maps your existing reporting formats to our risk engine, minimizing burden on your IT and finance teams.
How is pricing determined?
Unlike traditional loans based solely on your balance sheet, pricing is heavily weighted toward the credit strength of your customers. This often allows competitive rates that reflect the quality of your sales ledger, even during high-growth or capital-intensive phases.
Stop acting as bank for
your customers
Convert your ledger into Capital Today