Increase working capital without adding debt
TowerCap turns approved invoices into cash you can use sooner.
If your customers pay on extended terms, we can help you access funds without adding debt or disrupting customer relationships.
Where appropriate, TowerCap can also take on the risk of customer non-payment.
Flexible capital for growing companies
TowerCap helps businesses unlock cash tied up in invoices, so growth is not held back by slow-paying customers.
We work with companies across industries where strong invoices, extended payment terms, and customer concentration can create cash flow pressure.
Simple structure.
Clear execution.
You invoice your customer
You deliver work or goods and invoice your customer on normal payment terms.
Your customer approves the invoice
Your customer approves the invoice, and this approval is shared with us.
We advance no later than 24 hours after approval
TowerCap advances up to 90% of the invoice value to you.
Your customer pays on normal schedule
Your customer continues to pay on their normal terms. Where the facility is confidential, payment is made to an account in your company's name.
You receive the balance, less our fee
After your customer pays, TowerCap releases the remaining balance, less fees. Under our non-recourse terms, credit risk on approved invoices is borne by TowerCap, meaning if your customer goes insolvent, you don't suffer a loss.