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Invoice financing enables a business to borrow up to 95% of the total value of an outstanding receivable — often as quickly as 48 hours after issuing it. Once your customer pays the invoice, you’ll receive the remaining amount, minus service charges.
This is an increasingly popular way for businesses to improve their cash flow, with over 40,000 SMEs using invoice financing in the UK. It’s particularly popular with businesses with long collection cycles, like transport, retail, construction and manufacturing. What’s more: if you use invoice finance, your business might not need alternative financing sources, such as loans or credit cards or overdrafts.
However, invoice financing is not regulated by the Financial Conduct Authority (FCA) in the UK — so borrowers should research providers carefully. You should also know that there are different invoice financing options — most notably, invoice factoring and invoice discounting.
To help you understand your funding options, we’ll explain the difference between the two and provide a rundown of the best invoice factoring options on the market.
What are the differences between invoice factoring & invoice discounting?
Invoice Factoring
Factoring allows you to earn up to 95% of the value of an unpaid invoice. The factoring company will manage your sales ledger and collect invoices directly from your customer. They’ll then deduct the costs of their services, known as a service charge, before paying you the remaining balance.
Advantages of invoice factoring
- A quick way to improve cash flow.
- With invoice management outsourced, you free up time to work on your business.
- Customers are typically credit checked, so you’ll gain more reliable customers.
Disadvantages of invoice factoring
- Your customers will have to deal with a third-party company — be sure to read our reviews below to ensure your customers will get excellent customer service from your invoicing partner.
Invoice Discounting
Invoice discounting is similar to factoring, unlocking up to 95% of the unpaid invoice, but you keep control of customer payments — this means continuing to chase client invoices. You’ll pay a service fee for this and a discount charge, which is similar to interest until the invoice is paid.
Advantages of Invoice Discounting
- Also an efficient way to improve your cash flow.
- Invoice discounting is confidential, so your customers will not know about the invoicing provider.
Disadvantages of Invoice Discounting
- You need to chase and collect debts and invoices from your customers. This process typically must pass an audit.
- If your chasing process is lengthy, you’ll pay a greater discount charge.
Typical Costs of Invoice Financing
Service Charge
Invoice factoring companies charge a ‘Service Charge’ to cover the costs of chasing and collecting invoices. This is typically charged as a percentage of your business’s factorable turnover, ranging from 0.75% to 2.5%, depending upon the size of the business. The higher your turnover, the lower the percentage rate (companies with smaller turnovers will usually have the highest service fees, because they’re seen as higher-risk than the those with higher turnovers).
The invoice finance company will often charge a minimum fee (monthly or quarterly) which is based on 75-80% of the projected turnover. If a business has a projected annual turnover of £500,000 per year, and the agreed service fee is 1%, it will pay £3,700-£5,000 per year in service charges even if only £300,000 is raised by the end of the year.
Discount Charge
Discount charges are very similar to interest payments. Whilst the invoice is unpaid, you’ll pay an interest calculated daily until the invoice is delivered — so the longer a customer takes to pay, the more interest you’ll pay. This is typically between 1% and 3% over the base rate.
Requirements & Eligibility
The most common basic requirements are:
- You must have an established trading history and detailed financial statements covering the history of your business.
- Your customers must be businesses, not consumers.
- You offer standard credit terms on your invoices, typically no longer than 90 days.
- Some invoice financing providers demand a minimum revenue or a minimum number of invoices sent.
If you don’t meet all these terms, don’t worry. Invoice finance providers can be flexible but the amount of finance you could receive could be affected.
If you are looking for business finance quickly, you may also want to consider a merchant cash advance (where lending is paid back from your future card sales) or a business credit card which can be approved very quickly based on past card turnover.
Best Invoice Finance Companies
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): £100K.
- Application process: Short 5 minute online application.
- Speed of Decision: Typically within 24 hours, depending upon the product.
- Key Features:
- MarketInvoice offers a wide range of products, including contract finance, pay-as-you-go invoice discounting and selective invoice discounting
- Focused on customer service with a Trustpilot score of ‘Excellent’ (4.5/5).
- MarketInvoice has since funded invoices worth over £1.9 billion since its founding in 2011.
- Investors and partners include the British Business Bank, PwC and KPMG.
Summary
Kriya, formally MarketInvoice, was founded in 2011 as an online invoice marketplace which matches businesses with a network of investors. MarketInvoice’s unique advantage over other invoicing providers is its focus on technology; the whole financing process for application to payment is simple, thanks to an easy-to-use online platform.
Kriya has clear and transparent fees which depend upon the size of your company, expected payment dates and total invoice volume. These fees typically range from 1-3% of the invoice value. MarketInvoice’s customer service is one of the best rated in the industry, with telephone, email and online chat available. You’ll also have access to a dedicated account manager.
MarketInvoice does not offer invoice factoring, only offering invoice discounting. If you are looking to outsource invoicing and collections, look elsewhere.
Kriya’s products include:
- Selective Invoice Discounting, where you submit an individual invoice to MarketInvoice, then receive up to 90% of the invoice value within 24 hours.
- Confidential Invoice Discounting, where you submit all your invoices to MarketInvoice, which are then paid into an account set up by MarketInvoice in your name.
- Contract Finance, where an upfront cash advance is given against future subscription or contractual invoices. You can access this by uploading your contract documents and receive up to 80% of the contract value within 24 hours.
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): £250K.
- Application process: Telephone application.
- Speed of Decision: From a few days to a few weeks, depending upon your requirements.
- Key Features:
- You’ll have a dedicated Relationship Manager and an annual review of your product usage to ensure the best value.
- Access to the E3 portal, an online financing account — this is where you can manage, review and check your funding.
- Awarded ‘Invoice Finance Provider of the Year’ by Credit Today.
- Approves 9 out of 10 applications.
Summary
Aldermore was founded in 2009 and focuses on small and medium-sized businesses in the UK. The firm has over 37,000 business customers and have issued funding worth £2.2 billion.
Aldermore is similar to other banks in the invoicing finance sector, with a traditional offering. However, Aldermore’s 90% approval rating is one of the highest in the industry, thanks to a flexible and tailoring financing approach, making Aldermore a strong choice for those rejected elsewhere.
Customer service support can be accessed by email or telephone during business hours and Aldermore has SME offices across the UK, in Leeds, Manchester, Birmingham, Surrey, Peterborough and Reading. Aldermore will also assign you a dedicated Relationship Manager, based locally if available, who will review your account regularly.
Aldermore Invoice Finance offers a complete range of invoice financing, including both discounting and factoring. Bad Debt Protection is also available on the following services:
- Confidential Invoice Discounting, to access up to 90% of invoices within 24 hours.
- Invoice Factoring, which outsources your invoicing arrangements. This includes a full credit control service.
- Construction Finance, which gives access to cash locked in uncertified applications for payments or staged invoices not yet completed. This enables construction firms to make staff and supplier payments without relying on customer payments.
- Contract Finance, where funds are advanced against contracts or future subscriptions.
- Advance rate: Up to 100%.
- Minimum client turnover (approx.): Not disclosed, but open to SMEs with under £300K turnover.
- Application process: Online and telephone application.
- Speed of Decision: Not disclosed.
- Key Features:
- Bibby is one of the world’s largest invoice financing companies, supporting over 10,000 businesses in the UK over the last 35 years. The company manages over £5 billion of annual turnover for UK businesses.
- Client satisfaction rate of 93% and a TrustPilot rating of ‘Excellent’ (4.5/5).
- No minimum turnover to qualify for invoice factoring, so this offer is ideal for small businesses. However, you must have been established for over 6 months and demonstrate a capable management team.
- An online portal to review funding.
- Winner of “Best Factor and Invoice Discounter” at the 2017 National Association of Commercial Finance Brokers Awards.
Summary
Bibby Financial Services was founded in 1982 and offer invoice financing around the world.
Its parent company is one of the oldest family-owned businesses in the UK, founded in 1807 when John Bibby began his career as a shipowner. The business has survived and grown by focusing on building strong relationships with customers, evidenced by a 93% client satisfaction rate.
Bibby Financial Services has fees which vary depending upon the size of your business, your industry and how much funding is required.
Customer service is accessed by calling one of Bibby’s 18 office locations in the UK within UK business hours. The service also includes email, chat support on via the website and access to a dedicated advisor.
Bibby Financial Services offers a full range of products, including both Invoice Factoring and Invoice Discounting. Bad Debt Protection is also available on the following services:
- Invoice Factoring, where the Bibby invoicing team will handle your invoicing collection. Funds are accessible within 24 hours. Here, Bibby prides itself on discretion and confidentiality.
- Invoice Discounting, where you continue to collect your invoice. This offers a uniquely high advance rate of up to 100% of the invoice within 24 hours.
- Forward Finance, an offering designed for smaller businesses with a turnover below £300,000. It offers no long term contracts or setup fees and unlocks up to 90% of an invoice.
- Construction Finance, a specialist factoring offering for UK contractors and subcontractors who provide services under a contract, framework agreement or Purchase Order. It provides funding by advancing cash against the value of invoices or stages of a contract.
- Recruitment Finance, a specialist factoring offering for recruitment agencies. This enables agencies to pay temporary workers and contractors while waiting for your invoices to be paid. Bibby also offers back-office support designed for recruitment agencies, handling P35 and P60 forms, calculating PAYE, National Insurance and VAT, preparing and sending payslips and even issuing supplier invoices using your company letterheads. This back-office support is provided by RSM Employer Services Ltd, the largest pay and bill provider in the UK.
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): £250K.
- Application process: Undisclosed.
- Speed of Decision: Undisclosed.
- Key Features:
- RBS offers access to FacFlow, an online system for complete management of your invoice financing, including reports, funding and account handling.
- Specialist offerings are available for Haulage, Manufacturing, Recruitment and more.
- RBS has won multiple awards such as ‘Best in Asset-Based Lending and Invoice Finance 2015’
- Mixed online reviews and slow customer response time, with a guarantee that customers will receive an answer within 5 days, whereas others offer 24 hours.
Summary
RBS Invoice Finance is part of the Royal Bank of Scotland and is one of the largest invoice finance providers in the UK. Its invoice finance offering centres around Facflow, an online financing platform. Although Facflow’s interface is very dated, it’s a powerful system which enables an entirely paperless workflow. Plus, RBS Invoice Finance offers full training on the system as standard.
Unfortunately, the level of customer service leaves something to be desired — with bad online reviews focusing on slow response times and complicated contracts. However, you do get access to your Relationship Manager.
RBS Invoice Finance offers 2 main products, with additional specialised products for sectors available on request:
- Invoice Factoring, where you can get 90% of the value within 24 hours. RBS will collect money on your behalf, which is all managed through Facflow. To access this, your business must have a turnover of £250k to £6.5m.
- Invoice Discounting, where you can get 90% of the value within 24 hours. You must collect your monies, so RBS need to see evidence of ‘robust ledger control’, established credit control processes and will take your debtor book as security. Your turnover must exceed £300k.
- Advance rate: Up to 95%.
- Minimum client turnover (approx.): No minimum.
- Application process: Online enquiry and meeting.
- Speed of Decision: Decision by the next working day.
- Key Features:
- No minimum and £5M maximum.
- The only eligibility requirement is that you are a business selling to other businesses on credit.
- Issued £5 billion in funding over the last 17 years.
- Trustpilot rating of ‘Excellent’ (4.9/5) from 284 reviews.
- ‘Best Invoice Finance Provider’ in the Growth Finance Awards 2019.
Summary
Ultimate Finance is one of the newest companies in the invoice financing industry, launching in 2011. It focuses on high-quality customer service, offering a dedicated specialist relationship manager, telephone support during UK business hours and online chat. Ultimate Finance also provides an online portal, called E3, to manage your account easily. With an exceptionally high Trustpilot rating of 4.9 out of 5, other businesses specifically praising the quality of the relationship managers.
Ultimate Finance publishes most of the relevant terms on its website, but service fees and discount charges are not disclosed.
It’s important to note: Ultimate Finance do not offer invoice discounting, instead only focusing on invoice factoring. If you are looking to manage your own invoicing and collections, look elsewhere.
- Invoice Factoring, for invoices up to £5M. You’ll get access to 95% of the value within 24 hours. A dedicated team collects invoices and an optional confidential offering is available.
- Construction Finance can be used to unlock cash tied up in construction contracts, up to the value of £1.5M. This is a confidential offering.
- Recruitment Finance is a back-office and invoicing finance facility combined. Recruitment agencies can pass credit control and payroll responsibilities to Ultimate Finance, receiving up to 95% of your unpaid invoice value up to £5m in advance.
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): £50,000 per year.
- Application process: Online quote and telephone.
- Speed of Decision: Undisclosed.
- Key Features:
- No contract — start with a 6-month trial, then a 6-month rolling contract.
- The Relationship Management team can visit your premises in person to discuss your needs.
- Transparent and simple fees.
- Winner of Business Moneyfacts Award for Best Factoring & Invoice Discounting Provider 2019.
Summary
Novuna is one of the world’s largest factoring companies with over 800,000 customers. Novuna’s customer service is its biggest advantage, with a dedicated Relationship Management team available to visit your offices and review your situation. Telephone and email support are also available during UK business hours.
For startups and SMEs, the creatively-named ‘‘Inspired Cashflow’’ is ideal. There is no long-term contract and the fees are very transparent. You’ll pay a one-off setup fee (£250), followed by a percentage of the invoice. This service fees range from 0.45% for large businesses over £10 million, up to 5% for small businesses.
Novuna offers a complete range of products, including:
- Invoice Factoring, where you can receive up to 90% of the invoice amount within 24 hours. Note: this offering is not confidential and customers will need to make a payment directly to Hitachi Capital Invoice Finance.
- Confidential Invoice Discounting is available from Hitachi for businesses with a turnover of £250,000 or more. You’ll keep control of your credit control services, allowing you to stay confidential and maintain relationships with your customers.
- The firm’s Inspired Payroll solution is designed for a recruitment agency and includes full management of invoicing and payroll processing responsibilities including pensions, P32 Calculations and payments, raising of wage slips and more.
Credit protection is available for all these services, with up to 90% of your debt protected against insolvency or non-payment.
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): At least £100,000 p/year to fund some invoices or a minimum of £500,000 annual to fund the whole debtor book.
- Application process: Telephone Only.
- Speed of Decision: Undisclosed.
- Key Features:
- Barclays’ SME offering (previously called Cashflow Finance) is now provided by MarketInvoice, whereas the services for larger businesses are provided by Barclays Corporate. Do check who your offering will be provided by, as this determines the quality of the customer service.
- Can fund some or all invoices, depending upon your requirements and business turnover. To fund all invoices, your annual turnover must be at least £500,000
- A word of warning: Barclays Business Banking has a poor rating on Trustpilot (1/5) and only 14% of reviewers on Reviews.co.uk would recommend Barclays to another business.
Summary
Barclays is one of the biggest banks in the UK, with over 300 years in the financial services industry. The firm’s invoice financing product is partially provided by MarketInvoice, who we reviewed earlier in this article and recommended for high-quality customer service and an online portal. However, the products for larger businesses (such as Confidential Invoice Discounting) are directly offered by Barclays, who have problematic reviews online.
This, unfortunately, makes Barclays offering confusing for SMEs and difficult to review — we’d advise that customers speak to an advisor to clarify or go direct to MarketInvoice.
For Barclays’ corporate offering, things are clearer. It includes:
- Confidential Invoice Discounting, where you’ll receive 90% of the value of an invoice. As a corporate offering, the requirements are strict — you must have forecasted sales of over £500,000 between a range of customers, sell without staged payments, use a computerised credit control system and have a high level of invoicing activity.
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): £50,000 per year for invoice factoring.
- Application process: Undisclosed
- Speed of Decision: Undisclosed
- Key Features:
- Offer a six-month trial — if you aren’t satisfied, you’ll get a refund on the service fee. After 6 months, you can terminate with a 28-day notice.
- Offerings are tied to turnover: for businesses under £250k per year, only factoring is available. For companies over £250k, an invoice factoring offering is available.
- Despite the client turnover requirement, Lloyds will consider startups on a case-by-case basis, which is unusual for such a large bank.
Summary
Lloyds is one of the ‘Big Four’ banks in the UK with a well-known brand and national branch network. Through its commercial factoring arm, Lloyds offers a wide range of products with a range of factoring types available, including specialist funding solutions for many industries, such as construction, recruitment and healthcare.
Lloyds offers comprehensive but standard customer support, being available via telephone during UK business hours or by visiting a regional office for a meeting with an invoicing specialist. You’ll also be assigned a named Client Service Manager.
Whilst its online platform is dated, it is still powerful. This portal allows you to see a breakdown of available capital and question any disapproved funding instantly. You can also request funds and see account statistics.
Lloyds Commercial Factoring offers a range of products, including invoice factoring and invoice discounting. Both these products support multiple currencies and bad debt protection can be added if your turnover exceeds £200,000.
- Invoice Factoring allows you to access 90% of an invoice within the standard 24 hours. Your turnover must exceed £50,000 per year and you must use the credit control service, which is not confidential.
- Invoice Discounting offers the same access to 90% of an invoice within the standard 24 hours, but your business turnover must exceed £250,000 per year. You must also demonstrate that you have established credit control and sales ledger management procedures in place.
- Advance rate: Up to 90% with 100% access with Liquidity Plus.
- Minimum client turnover (approx.): £500k per year.
- Application process: Phone.
- Speed of Decision: Undisclosed.
- Key Features:
- Winners of Business Moneyfacts’ “Best Factoring & Invoice Discounting Provider” for 6 years between 2014-2019.
- Access to IDeal, a real-time invoice discounting platform, which offers seamless integration with over 285 accounts systems, including Oracle, Sage and QuickBooks.
- Wide range of products and unique add-ons, like Liquidity Plus, which enables access to 100% of an invoice when an immediate cash injection is needed.
Summary
Close Brothers Invoice Finance is part of the Close Brothers Group, one of the leading merchant banks in the UK. The firm is focused on larger businesses with a turnover above £500k per year, so SMEs and startups should look to another finance provider. As a result of this enterprise focus, Close Brothers adopts a fee structure which is bespoke to your business, with fees only being disclosed when the financing is arranged.
In return, you get comprehensive customer support, with a dedicated Client Manager being assigned to your account. Plus regular face-to-face meetings, phone calls or emails are available upon request.
The heart of the Close Brothers’ offering is the IDeal platform. This platform is one of the most complete we’ve reviewed, with full control over your invoice financing. It also automatically reconciles incoming factored payments with your existing invoices, via its integration with over 285 accountancy systems.
Close Brothers offers:
- Invoice Discounting for business with over £500k per year, with optional bad debt protection and Liquidity Plus available.
- Invoice Factoring for business with over £500k per year, where a dedicated team will collect payments.
Other invoice finance companies to consider are Skipton Business Finance and Calverton Finance.
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): Projected business turnover over £500k (including start-ups).
- Application process: Telephone.
- Speed of Decision: Undisclosed.
- Key Features:
- HSBC’s minimum client turnover is based upon projected business turnover, allowing new high-growth businesses to access its services.
- A global team allows support for global collections.
- For invoice factoring customers, HSBC offers a dedicated Credit Controller to take care of your sales ledger.
- Products are available to non-HSBC customers.
- But minimum contract terms apply.
Summary
HSBC is one of the world’s largest banks, with operations in 65 countries and over 40 million customers. Its offering is tailored to companies with a high projected turnover of at least £500k. Yet businesses with this sort of turnover can expect an exceptional level of customer support and a fully-featured online portal, called RF on HSBCnet.
For its factoring offering, HSBC offers a dedicated Credit Controller to monitor your sales ledger, as well as an account manager to ensure you are making the most of the factoring. Credit protection is also available, with up to 100% of the invoice being recoverable after 120 days past invoice due date. An in-house legal services team will also pursue unpaid invoices for no additional charge should a customer exceed their credit limits.
If you choose HSBC’s discounting offering, you’ll retain full control of your sales ledger, work with an account manager and have the same high level of optional credit protection.
On top of all this, businesses can also opt in to export invoice finance, allowing factoring on international invoices to over 200 different countries. Financing can be provided in any major world currency, shielding your business from currency fluctuations.
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): No minimum.
- Application process: Telephone.
- Speed of Decision: Undisclosed.
- Key Features:
- One of the lowest client-to-staff ratios, so you’ll have the direct dial number of your Relationship Manager and Account Executive.
- Fully transparent and published fees for the Interest-Free Invoice Factoring offering.
- Access to funds between £25,000 to £5 million.
Summary
Skipton Business Finance is part of Skipton Building Society, one of the UK’s oldest building societies. What Skipton offers is unique in this review, thanks to its localised service. Each of the offices in Leeds, Manchester, Birmingham and Bracknell, has its own underwriting and account management teams. This means decisions are made at the local level as a part of a long-term relationship and financing is awarded based upon the merits of individual businesses.
Skipton also offers a diverse range of products, including a fully transparent offering called ‘Skipton Select’. It charges no discount charge on invoices, no annual fees and no fees for transfers, instead of charging a facility fee per invoice depending on your turnover. For example, for a new business with a turnover from £0-£100,000, the minimum monthly fee would be £200, with a fee per invoice of 3.50%. For an established new business with a turnover from £750,000-£1m, the minimum monthly fee would be 500, with a fee per invoice of 1.35%.
Skipton’s other offerings include:
- Disclosed Invoice Factoring, where customers make payments directly to Skipton Business Finance.
- Recourse Invoice Factoring, where Skipton Business Finance will fund invoices for a predetermined amount of days past its due date.
- Confidential Invoice Discounting, where Skipton Business Finance will make an advance of up to 90% against unpaid invoices and debtors are not aware of Skipton Business Finance. Your existing credit control processes continue, chasing payments as usual.
- Invoice Discounting for SMEs, which allows business with turnover over £100k to access invoice discounting, if they can demonstrate their credit control and accounting functions.
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): Undisclosed.
- Application process: Via telephone.
- Speed of Decision: Undisclosed.
- Key Features:
- Offers a flexible contract term with no long term agreement, just 28 days notice.
- Access to an online management system and a named Relationship Manager.
- Funding lines are currently limited to £100,000 for new and smaller businesses.
- No setup fee or minimum fees.
Summary
Metro Bank is a relative newcomer to the British high street, being the only new high street bank to open in 150 years. Despite being new, it’s made a huge impact on banking in the UK, with a unique combination of best-in-class online banking and branches that are open 7 days a week.
Despite this revolutionary approach to high street banking, Metro’s invoice finance offering is disappointingly traditional. The terms, through friendly to SMEs, are commonplace in the industry. Further, Metro’s software is not the same quality as the rest of its offering; using the industry-standard E3 system used by Aldermore and others. Finally, invoice finance customer service is not available in any Metro branches.
Metro’s products include:
- Invoice Factoring, where credit control functions are handled by Metro Bank Invoice Finance. This is visible to your customers.
- Invoice Discounting, where you continue to control your credit control functions, which means that your customers will not be aware that Metro Bank is acting on your behalf.
- Advance rate: Up to 90%.
- Minimum client turnover (approx.): For invoice factoring, startups will require a good business plans and over £1M of forecasted revenues in the first year.
- Application process: Via telephone.
- Speed of Decision: A meeting will be arranged within 48 hours, followed by a visit and same-day decision, usually taking 5 days.
- Key Features:
- A dedicated Credit Controller and Relationship Manager who understands your business.
- Winners of M&A Alternative Finance Provider of the Year 2014.
- Wide product range, including cross-border financing.
- 6 month trial period without commitment.
Summary
ABN AMRO Commercial Finance is part of ABN AMRO Group, a Netherland’s based banking giant. Its fees and clear and transparent, with costs typically being determined by turnover and volume.
Clients can expect a level of customer service that’s amongst the best in the industry, with support available via telephone and email. You’ll also have use of an online portal to manage your account and access to a dedicated account manager.
ABN AMRO Commercial Finance offers a comprehensive range of products, with Bad Debt Protection with up to 100% cover being an optional add-on:
- Invoice Factoring is available for established business and startups with a sustainable business plan and forecasted revenues over £1m per year, through the website’s FAQ recommends that businesses should exceed £2.5M in turnover to get the best value from the service. You’ll also get access to a dedicated Credit Controller.
- Confidential Invoice Discounting does not specify a minimum client turnover. However, you must pass an audit of your credit control capability and have a record of making strong profits. You’ll get access to a dedicated Relationship Manager.
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