Working Capital Solutions
Keep Operations Moving While Capital Is in Motion
Working Capital Solutions
Keep Operations Moving While Capital Is in Motion
Working capital helps connect procurement, production, sales, invoicing and collection.
A business can be profitable and still experience temporary cash-flow pressure. This often happens because money moves through the operating cycle at different speeds:
01 · Purchase
Raw material or inventory is purchased.
02 · Produce / Deliver
Goods are produced or services are delivered.
03 · Invoice
The customer is invoiced.
04 · Collect
Payment is received after the agreed credit period.
Working-capital finance may help an eligible company manage the gap between expenditure and collection. The structure should reflect the actual operating cycle rather than simply providing a fixed amount without reference to business activity.
What Working Capital May Support
- Raw-material procurement
- Inventory purchases
- Seasonal stock build-up
- Supplier payments
- Order execution
- Receivables gap
- Payroll and operating expenses
- Production-cycle requirements
- Dealer or distributor finance
- Customer-credit periods
- Short-term business opportunities
Working Capital Structures
Working Capital Term Finance
A defined amount provided for eligible operating-cycle requirements.
Invoice or Receivable Finance
Finance evaluated against eligible receivables or invoices.
Purchase Finance
Support for eligible supplier or inventory purchases.
Order-Execution Finance
Finance linked to a confirmed and verifiable business order.
Channel Finance
Finance for eligible dealers, distributors or supply-chain participants.
Secured Business Finance
Finance supported by acceptable assets or security.
Structures shown are those that may be considered; availability of any specific product is subject to the company’s approved policy and applicable regulations.
Understanding Your Operating Cycle
Operating Cycle
Time required to purchase, produce, sell and collect.
Revenue Quality
Consistency, customer profile and repeat business.
Receivables
Age, concentration, collectability and customer creditworthiness.
Inventory
Type, turnover, marketability and value.
Banking Conduct
Account operations, repayment behaviour and financial discipline.
Existing Facilities
Current working-capital limits and other borrowings.
Seasonal Patterns
Periods of higher demand, procurement or collection pressure.
Repayment Visibility
The expected source and timing of repayment.
What to Prepare
- Company profile
- KYC and incorporation documents
- GST returns
- Audited financial statements
- Latest management accounts
- Bank statements
- Debtor ageing
- Creditor ageing
- Inventory statements
- Existing loan details
- Major customer list
- Major supplier list
- Confirmed orders or invoices
- Proposed use-of-funds statement
Frequently Asked Questions
How is working-capital requirement calculated?
It may be evaluated through the company’s operating cycle, inventory, receivables, supplier terms, cash flow and existing facilities.
Is collateral always required?
That depends on the product, amount, financial profile, risk assessment and company policy.
Can finance be linked to a specific order?
A confirmed-order or transaction-linked structure may be considered where offered.
Can a seasonal business apply?
Seasonality can be evaluated as part of the business’s normal operating cycle.
Start a Conversation
Does Your Operating Cycle Need Additional Support?
Share your recent financial information and the purpose of the working-capital requirement.
Submission of an enquiry does not constitute an approval, commitment or offer of finance.
