MAKE

DEBTORMANAGEMENTHAPPEN

Partnering with you to release cashflow for business growth

The secret to effective cashflow is just that – it needs to flow. Obstruct it and your business struggles to stay afloat. Free it andits powerful surge could take your business to the top.

Inspired by our client-centric philosophy of ‘partnering with you for growth’, Nedbank Business Bankinghas created a range of debtor management solutions aimed at releasing the growth potential of moneylocked in your debtors book. Partner with the leaders in effective debtor control and we could help yourelease up to 80% of your debtors book, resulting in a potent cashflow that you could use to fast-trackbusiness growth.

Nedbank Business Banking has earned a proud reputation as an expert knowledge partner. Thespecialised field of debtor management is no exception. Based on a thorough understanding of thechallenges associated with the efficient management of liquidity risks, our team of specialists havedevised practical business solutions to help you establish and maintain a reliable cashflow.

With our highly personalised approach to business banking, our knowledgeable service team will adviseyou about the best debtor management solution to address your unique cashflow requirements.

Debtor management solutions The administration of debtors can be costly and time-consuming, not to mention the potentially negative impact it could have on the growth of your business. However, if your business could access the moneythat is locked up in your invoices due for payment, it could give you the power to negotiate better termswith suppliers or the capital to expand faster.

With the help of our debtor management solutions you could instantly release the latent cashflow inyour outstanding debtors book. The procedure is simple: our team of experts will evaluate your debtorsbook to assess the viability. Depending on the outcome of the analysis, we could take control of yourdebtors book and in so doing could advance up to 80% of its value to your business.

Benefits that affect your bottomlineNedbank Business Banking’s market-leading debtor management solutions will have a direct impact on your business’s turnover. It could benefit your business in the following ways:• It helps to improve cashflow by advancing up to 80% of the value of your debtors book to your

business. The remaining 20% of your book debt will follow once the debts are fully paid.• It streamlines your debtor administration and credit control by providing detailed reporting to assist

you in the management and control of your debtors book on a regular basis.• It provides you with a financial facility that is linked to turnover.• It provides you with the bargaining power to secure settlement discounts, negotiate better supplier

discounts and to benefit from bulk purchases.• It gives you access to the funds you need to finance large orders and fund new sales.• It enables you to extend normal trade credit to your debtors instead of having to grant trade discounts.

Customised solutionsWe offer you four debtor management products, all expertly designed to vastly improve the flow of cash through your business.

Invoice Discounting • A confidential debtor management solution – you remain responsible for your own debtor ledger administration.

• There will be no annotation on invoices or statements indicating that the debtshave been sold to Nedbank.

• Debtor payments must be directly deposited into a designated deposi accountcontrolled by Nedbank.

Factoring • A disclosed facility in which Nedbank Debtor Management carries out the complete administration of the debtors ledger, including the credit control andsending out of statements.

• Invoices and statements will record that the debt has been sold to Nedbank, towhom payment must be made.

Export Factoring • With international trade, local exporters are increasingly exposed to risks relating to crossborder payments and exchange rate fluctuations.

• Export Factoring advances up to 80% of the invoice value in the currency of theinvoice, dispensing with the exchange risks.

• Payment is guaranteed by our overseas agents, making this a secure way ofdealing with such transactions.

Cash Solutions • A unique product that offers single-invoice discounting to ‘blue chip’ debtors.• It is the ideal solution to grow your company, especially if you are unable tosecure bank funding – reliance is placed on the debtor, not on the strength ofyour business.

Call on our expertiseIf you would like to accelerate the flow of cash through your business – and reduce the risks associatedwith your debtors book – please contact your Nedbank business manager or email us atbusiness@nedbank.co.za.

Nedbank 135 Rivonia Campus135 Rivonia Road Sandown Sandton 2196 PO Box 1144 Johannesburg 2000 South AfricaTel: +27 (0)11 294 4444 Website: nedbank.co.zaEmail: business@nedbank.co.za

Nedbank Limited, Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16).

Published September 2014