Pick the shape of your book.
One funds a placed-timesheet invoice this week. The other funds and runs an entire debtor book. Both underwrite on the same live company intelligence.
Recruitment factoring
Turn placed-timesheet invoices into same-week payroll cash. Score the debtor, size the advance, chase the invoice, keep IR35 clean.
Recruitment factoring →Receivables finance platform
Finance the whole debtor book, underwritten by an engine and run by agents. Origination to cash, with a console door for every partner.
Receivables platform →The same underwriting spine sits under both.
Every capability below is a real BRG engine. Live engine = wired and probe-verified in our platform. Staged = built, being wired in.
Covenant scoring
Score any UK debtor from filed Companies House accounts, a transparent 0–100 score, A–E band and flags. Shared across every BRG finance product.
Capital-stack DSCR solver
Sizes the facility to the binding constraint, the lesser of DSCR debt capacity and advance-rate headroom, so the book stays bankable.
Instant company report
A Companies House number in; every agent reports back, accounts, directors, distress, sector risk. Diligence in seconds.
Collections (InvoiceForge)
Automated payment-chase and reconciliation across the funded book, with VIPER debt-recovery escalation where a debtor slips.
Lender matching (OTTO)
Deals outside our own book: OTTO matches a company and its SICs to the right panel lender and produces the intro, introducer-fee aware.
Sanctions & counterparty gate
Every debtor and connected party runs a covenant and sanctions check before capital is committed, the gate behind our customs bonds.
Payment-practice radar
Statutory large-company pay-terms (average days, % late) as book-wide early warning on every debtor. Built; wiring in.
Product-specific layers sit on top: IR35 status (SHIELD) and the credit builder on factoring, the Get Paid OS board and per-partner console door on receivables.
Four steps. The engine does the underwriting.
The same sequence whether it is a single placed invoice or an entire debtor book.
Bring the debtor
An invoice or a whole book. We read every debtor from Companies House filings.
Engine underwrites
Covenant score, payment history, sanctions screen and DSCR headroom, computed in one pass.
Structure & fund
The DSCR solver and OTTO set the facility, the advance rate and, where needed, the syndication route.
Collect & report
InvoiceForge chases and reconciles. You keep trading; the ledger runs itself.
Tell us the shape of the book.
Monthly invoice volume and your typical end-clients is enough to come back with an indicative structure, underwritten on live data rather than a two-week wait.
Recruitment agency funding contractor payroll? Start at recruitment factoring. Funding or running a whole debtor book? Start at the receivables platform. Either page routes straight to the funding desk.