Experience suggests that the issue of fraud in invoice finance remains a persistent problem. Inherent in the operation of the sale of receivables is the temptation for unscrupulous or desperate directors to create ‘fresh air’ invoices, which do not represent the product of any genuine trading (or sometimes which exaggerate the extent of otherwise genuine trading), whether from the start of the facility or during times of poor trading.
Continue ReadingAt the end of this Summer, the Supreme Court delivered its anticipated judgment in the joint appeals in Hopcraft v Close Brothers Limited [2025] UKSC 33. The decision focused on motor finance, but the Court’s findings have far broader implications for all sectors in which brokerage services are available, including the invoice finance industry. The decision has come as welcome news across the UK finance world, though the story of compensation in relation to broker commission seems likely to rumble on for some time to come.
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The Economic Crime and Corporate Transparency Act 2023 (the Act) introduces a new era of corporate accountability in the UK. In two of our previous articles from March 2025 and November 2023, we explored the broader reforms introduced by the Act — including the push for greater transparency and the overhaul of Companies House powers. Now, with the mandatory identity verification (IDV) regime coming into force this month – a move designed to enhance transparency, reduce fraud, and prevent misuse of UK corporate structures, it’s time to focus on what businesses must do to comply.
Jon Davage
What’s Changing?
Big changes to Inheritance Tax (IHT) are on the horizon—and they could significantly affect owner-managed businesses.
While farmers have dominated headlines with protests over IHT reforms, business owners may be equally impacted, yet the changes have flown under the radar.
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Trainee Solicitor
Laura joined Bermans in October 2025 and is a Trainee Solicitor in our Asset and Invoice Finance teams.
She assists in asset finance, invoice finance and corporate finance.
Laura studied Law and the University of Liverpool before completing her LPC at the University of Law.
Outside of work, Laura enjoys travelling, as well as F1, tennis, and is also a rugby union enthusiast.
E: laura.bridson@bermans.co.uk
T: 0161 827 4617
Jonathan Berkson
When a customer or client fails to pay, it can disrupt cash flow and create unnecessary stress for your business. At Bermans, our Creditor Services team specialises in guiding businesses through the debt recovery process efficiently and professionally. Here’s a clear breakdown of the debt recovery lifecycle—and how we help you navigate each stage.
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Andrew Koffman
This is the latest in a series of articles on the “fixed recoverable costs” regime introduced in the civil courts in October 2023. The most recent articles before this one can be found here:
Continue ReadingAndrew Koffman
In an article in December 2023 we reported on the Court of Appeal’s decision which, for the first time, gave the courts the power to compel parties to mediate.
Court of Appeal backs compulsory alternative dispute resolution (ADR) | Bermans
There have been further developments since then. In October 2024, changes to the court rules (CPR) were made to give the court the specific power to order the parties to take part in alternative dispute resolution (ADR) such as mediation.
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Adrian Fryer
The UK’s employment landscape is undergoing a significant shift, with the proposed Employment Rights Bill introducing sweeping reforms that could redefine workplace rights and responsibilities. This article summarises 3 key updates every employer and employee should know.
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Trainee Solicitor
Ruby works in the Creditor Services team, focusing on debt recovery and litigation proceedings for Invoice Finance Providers, SMEs, and Funders.
Ruby studied Law (LLB) at Durham University, which included a year abroad in Berlin, and went on to achieve a Distinction in her LPC MSc in Law, Business and Management from the University of Law.
Outside of work, Ruby enjoys expanding her legal expertise and enjoys attending concerts, travelling, and learning German in her spare time.
E: ruby.griffiths@bermans.co.uk
T: 0151 224 0521
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