Explore Our Financing Solutions
ELEA FINANCE SPA offers a comprehensive range of non-bank financing products designed to address the specific cash flow and credit challenges faced by SMEs and growing corporates. Each solution can be deployed independently or combined into an integrated facility that covers multiple aspects of your working capital cycle. Our product suite is continuously refined based on client feedback and evolving market conditions, ensuring that the tools we offer remain practical, competitive, and aligned with real business needs. Explore the full range of what ELEA FINANCE SPA can provide and identify the solution that best matches your current and future financing requirements.
Receivables and Invoice Finance
Recourse Factoring
In a recourse factoring arrangement, we advance funds against your invoices while you retain the credit risk on your debtors. This structure offers the lowest factoring fees in our product range and is best suited to businesses with well-established, creditworthy customers whose payment reliability has been proven over time.
Non-Recourse Factoring
Under our non-recourse factoring product, ELEA FINANCE SPA assumes the credit risk on approved debtors, protecting your business against bad debts arising from customer insolvency. This is particularly valuable for businesses entering new markets or extending terms to customers whose financial position may be less certain.
Selective Invoice Finance
Rather than assigning your entire receivables ledger, selective invoice finance allows you to choose specific invoices to fund on an as-needed basis. This flexible approach suits businesses that only occasionally require liquidity support and prefer not to commit to a whole-ledger factoring facility.
Export Receivables Financing
For businesses with overseas customers, our export receivables product addresses the additional complexities of cross-border invoicing, including currency considerations and extended international payment terms. We work with your trade documentation to structure a facility that supports your international growth.
Credit and Lending Products
SME Term Loans
Our SME term loans are structured over 12 to 48 months with fixed or variable interest options, designed to fund capital expenditure, business acquisitions, or strategic investments that your current cash flow cannot absorb. Repayment schedules are tailored to your earnings cycle, with seasonal adjustments available where applicable.
Revolving Credit Facilities
A revolving facility from ELEA FINANCE SPA provides an agreed credit limit that you draw down and repay as needed, paying interest only on the amount outstanding at any given time. This structure is ideal for businesses with fluctuating working capital requirements who need reliable access to funds without the cost of maintaining an unused fixed loan.
Supply Chain Finance
Our supply chain finance programme enables your business to offer extended payment terms to customers while ensuring your suppliers are paid promptly. This strengthens your commercial relationships at both ends of the chain and improves the financial health of your entire supply network.
Receivables Management Services
Commercial Collections Support
Beyond funding, ELEA FINANCE SPA provides professional receivables management services including debtor monitoring, payment chasing, and collections support. Our team handles debtor communication with discretion and professionalism, protecting your customer relationships while improving your collection efficiency.
Debtor Credit Assessments
Before advancing funds against invoices raised to a new customer, we conduct a thorough credit assessment of that debtor using a combination of financial data, payment behaviour analysis, and market intelligence. This protects your business from extending large credit exposures to customers who may not be able to pay.
Ledger Reporting and Analytics
Every ELEA FINANCE SPA client has access to a dedicated reporting portal showing real-time visibility of their funded invoices, available facility headroom, debtor payment timelines, and fee statements. Clear data empowers better financial decision-making at every level of your business.