This website and business was founded by Paul Ransley and Steve Blaby.

Steve Blaby

Steve holds a Masters Degree in Business Administration concentrating on marketing, finance and entrepreneurship.  He is skilled in marketing, publicity and internet related technology. He has owned and operated a number of small businesses.

Paul Ransley

Paul has owned and operated a mortgage and finance broking business.  Experienced in online marketing and communications. he has also worked as an award winning  journalist and television producer.

Here’s what they say about single invoice finance.

We are both experienced business people who understand the varied challenges faced by those operating small or medium enterprises.

We know that while concepts such as service, quality and price are vital to the success of all business it is cash which provides the lifeblood and growth.

Lateral thinkers

We also know how difficult  it is to fund a business when the economy turns or the going gets tough.   You know what they say about the banks:  ‘they’ll lend you an umbrella in sunny weather and grab it back as soon as it  rains’.

In fact, it’s no secret that a lot of business people are irritated by the way the banks and big financial institutions run things so,  because we like a challenge and think outside the box, we began looking for a way of providing cash flow to small businesses which was different to how the big guys did it.

Communication and respect

We wanted a product which was flexible, easy to understand and straightforward – preferably not a debt facility.

We wanted a business model which allowed for real relationships to develop rather than the fake kind the big lenders talk about in their TV ads.

We wanted a business culture which encouraged communication, respect and understanding.

Most of all we wanted to provide business people like ourselves with the funds they needed to create strong businesses, to build wealth, to employ staff, to make a positive contribution to their communities.

A perfect fit

We found single invoice finance fit the bill perfectly.  It is an exciting new take on the age old business practise of selling unpaid invoices to raise working capital.

The concept has been around since the time of Cleopatra and is variously called factoring, invoice discounting, receivables finance and a host of other names.

Up until now, it has mostly been offered by the banks and specialist factoring companies who sign customers to long contracts.

Unfair perception

Over the years it has also been seen as a last resort for troubled and failing enterprises.

It is an unfair perception, but it exists partly because traditional forms of invoice finance give the finance provider too much control over a customer’s business.

The customer is in control

Single invoice finance turns all that on its head.

There are no contracts. The customers are in control.

They decide when to sell an invoice and how many they’ll sell.

They can turn the cash flow on and off  like a tap depending on their needs.

It would be nice to say we invented this business model, but we didn’t.   However, we do love it because it ticks all the boxes that we needed ticked.

Single invoice finance can really help small and medium businesses maintain stability and grow.