Block discounting

Quick release cash for long-term growth.

Secure revolving credit facility that allows you to raise funds against future income streams so you can grow your business

Block discounting is a finance product that allows independent finance providers and lenders to release capital which is tied up in customer finance agreements.

We offer a revolving credit facility for an agreed amount that allows individual drawdowns to be structured where we purchase ‘blocks’ of your customer finance agreements. The drawdowns are structured to match the profile of the underlying agreements and are repaid over the average life of those agreements.

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18+ years' experience in block discount funding

SFS has been proudly providing block discounting solutions for more than 18 years to independent finance providers. Over this period we have been recognised as a trusted and reputable partner with consistent market presence. We have a team of specialists on hand to support our customers across the UK with an excellent service proposition to help grow your business.

We finance what matters so you’re free to grow your business.

What is block discounting?

Block discounting is a flexible approach to funding that allows you - an independent finance company - to release capital tied up in existing agreements. It’s a simple, secure, and flexible way to raise funds against a future income stream, allowing you to immediately reinvest in company growth and provide financial agreements to new customers.

How does block discounting work?

We release capital through a loan against a block of agreements at a discounted advance rate.

Benefits of block discounting:

You remain in control of collecting and managing the customers payments
Funds can be released as and when required
Capital is released to finance further agreements on your portfolio
The advance is repaid at a fixed price over a set period giving you confidence in your cash flow

Sectors we support

Our customers operate in a wide range of business sectors and use block discount funding to finance various underlying asset types.

Agricultural machinery

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Construction equipment

Commercial vehicles

IT equipment

Office equipment

Machine tools

Medical equipment

Why us for block discounting and wholesale funding?

We believe in simplicity. It’s our mission to save you time and money by providing expert support and block discounting facilities that allow your business to achieve its potential.

SFS is able to provide facilities sizes between £500k - £10m.
Highly experienced and dedicated partner with vast market knowledge
Flexible credit facilities
Efficient processes and quick access to capital

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Customer stories

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Tower Leasing extends block discounting facility

Tower Leasing needed Block Discounting for a new reseller MSA. SFS extended credit to include the MSA, letting Tower fund future income streams and grow their business.

Read case study