Working Capital Optimisation

Profitable but Permanently Cash-Constrained: A business can be consistently profitable and still run out of cash when the working capital cycle consumes it faster than the P&L generates it.

Debtor Days That Keep Slipping: Every day a receivable sits uncollected is a day the business is financing its customer.

Paying Suppliers Before Collecting From Buyers: When the payment cycle to suppliers is shorter than the collection cycle from customers, the business funds the gap.

Position Financing You're Paying Too Much For: Commodity traders financing positions in transit through expensive short-term facilities are paying a spread that reduces margin on every trade.

Supply Chain Finance You're Not Using: If your buyers have strong credit ratings, you may be able to access financing at their cost of capital rather than your own.

Payment Terms That Haven't Been Renegotiated: Payment terms set at the start of a supplier relationship are rarely revisited — extended terms are often achievable.

Receivables You Could Be Discounting: Confirmed receivables from creditworthy buyers can be converted to cash today at a cost lower than your working capital facility.

Early Payment Discounts You're Leaving on the Table: Suppliers who offer early payment discounts are offering a high annualised return — often better than deploying cash elsewhere.

Overdraft Facilities Used as Working Capital: Overdrafts are expensive and uncommitted — a revolving credit facility structured for working capital is cheaper and more reliable.

Facilities That Don't Match Your Cycle: A 30-day facility for a business with a 90-day conversion cycle is a structural mismatch we fix.

Banks Who Don't Understand Your Business: Working capital facilities for commodity traders require banks that understand the trade cycle — we position you to the right lenders.

No Fallback When the Primary Facility Is Reviewed: A single working capital facility under annual review is a point of failure — we build the multi-lender structure.

Commodity Trading Companies: Businesses managing the gap between payment to origin suppliers and receipt from destination buyers.

International Businesses With Extended Payment Cycles: Companies selling to large corporates on long payment terms where the receivables book ties up critical cash.

Growth-Stage Companies Funding Their Own Expansion: Businesses growing faster than their cash generation can support, where working capital is the bottleneck on new business.

Businesses Entering New Markets: New market entry typically worsens the working capital position before it improves it — we structure the financing to bridge the gap.