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CHOCCS

Get paid fast, and stay in control of collections

CHOCCs stands for Client Handles Own Credit Control. You get the cash from your invoices within 24 hours, while you carry on chasing and collecting payment yourself, keeping your customer relationships in your hands.

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Call 0161 710 4100

£115m+

Funded to UK SMEs this year

24hrs

From enquiry to approval

99%

Approval rate

£20k-£250k

Flexible facilities

What is CHOCCs?

Invoice finance, with collections kept in-house

CHOCCs works just like our invoice finance, with one difference: you keep chasing and collecting payment from your customers yourself, rather than us doing it for you.

You bill your customer as normal. We pay you most of the invoice within 24 hours. You carry on managing your own collections and customer relationships, and when your customer pays, you get the rest, minus our fee.

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Young business owners analysing finances

How CHOCCs works

In three simple steps

1

Issue your invoices

Bill your customers as usual, on your normal terms, for the work or goods you've provided.

2

We advance up to 90%

You get most of the invoice value within 24 hours, ready for wages, suppliers or the next job.

3

You collect, and get the rest

You chase and collect payment as normal. When your customer pays, you receive the balance, minus our fee.

Why Choose CHOCCS

The benefits at a glance

Cash within 24 hours

Get up to 90% of your invoice value within 24 hours, instead of waiting 30 to 90 days for your customers to pay.

You stay in control

You chase and collect payment yourself, keeping your own systems and your own voice with customers.

Relationships stay yours

Your customers deal with you over payment, not a finance company, which many of them prefer.

Why Choose CHOCCS

Who chases payment, you or us?

Both get you the cash from your invoices quickly. The difference is who handles collections. Here’s how to tell which suits your business.

CHOCCS

You handle collections

  • You chase and collect payment
  • Your customers deal with you over payment
  • You keep your own credit control systems
  • Best if your collections are already strong

full factoring

You handle collections

  • We chase and collect payment for you
  • We manage credit control professionally on your behalf
  • Frees up your time to run the business
  • Best if you'd rather hand collections over
Prefer us to handle collections? See invoice finance →

Is CHOCCS right for you?

A good fit if you like to stay hands-on

CHOCCs suits businesses that already collect well and want to keep their customer relationships direct. It tends to be the right choice when:

  • You have solid credit control already in place
  • You want to keep talking to your customers about payment yourself
  • You sell to other businesses on credit terms
  • You need the cash sooner than your 30 to 90 day terms allow
Young invoice finance staff member discussing work

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Good to know

CHOCCs questions, answered

With CHOCCs, you handle collections yourself. With full factoring, we chase and collect payment from your customers for you. The choice comes down to whether you’d rather keep collections in-house or hand them over.

It suits businesses that have strong collection procedures and want to keep direct customer relationships. If your collections are less established, full invoice finance may serve you better, since we take that work off your hands.

With CHOCCs you handle collections yourself, so your customers continue to deal with you directly over payment, just as they did before.

Keep control and get paid faster.

Tell us a little about your business and we’ll come back within one working day with a free, no-obligation quote.

Get a free quote
Call 0161 710 4100