Who we serve
Built for firms that invoice the world
IT and management consultancies, software firms, PR and advertising agencies: get paid in your clients’ currencies, pay contractors wherever they are, and stop carrying late invoices.
The problem, honestly
Consultancies and agencies look simple on paper and awkward to a bank: no stock, no premises worth much, revenue that arrives in lumps from a handful of overseas clients, and a category label that tells an onboarding team nothing. The result is slow onboarding, or a decline with no reason attached.
Underwriting here starts from the work: who your clients are, which corridors the money crosses, and how the contracts run. A firm billing four clients in three currencies is a normal file, not an anomaly.
What you get
Invoice in their currency
Named IBANs and 23 currencies, so a US client pays dollars and a German client pays euros without either of them paying to convert first.
Pay contractors anywhere
Send to freelancers and subcontractors across 170+ countries on the group payments network, each payment on the rail that fits its corridor.
Late invoices, chased properly
Payment links your client can settle by card the day the invoice lands, plus statutory interest you are entitled to add and letters that escalate correctly.
Cards for the team
Physical and virtual cards for software subscriptions, ad spend and travel, with per-card limits and every transaction visible.
How matching works
Tell us your situation
Your model, markets, volumes and history. A specialist responds, typically within 24 hours.
Matched & underwritten
We match you to the right institution in the network; underwriting assesses your business on its merits.
Live in as little as 48 hours
Subject to all relevant documentation. Your specialist stays your contact after go-live.
Related: Late payment letter generator · Business accounts & IBANs · Currency exchange
Consultancies & agencies: your questions
Because the category is broad and the revenue is lumpy: a handful of large invoices from overseas clients looks irregular next to a retailer’s daily takings. It is a pattern-matching problem, not a risk problem, and underwriting that reads your actual contracts gets past it.
You can hold multiple currencies and separate flows using named virtual IBANs per client or project. If you hold money that is legally your client’s, tell your specialist: that carries its own obligations and the structure needs mapping properly.
Yes, and it is the common case. Hold the dollars, convert when the rate and your cash flow suit you rather than on every receipt, and pay your GBP costs from the balance you keep.
Check if we can help
Tell us what you need. You’ll deal with one team, with the group’s licensed institutions behind it, and get a straight answer either way.