Service 02
Working Capital Finance
Cash credit, overdraft and short-term facilities sized to your operating cycle, so receivables and inventory never stall production or delivery.
Who this is for
Manufacturers, traders and contractors whose money sits in stock and receivables while wages and suppliers wait.
What we deliver on this mandate
- Working capital assessment against your actual holding levels
- CMA data for the limit or the enhancement
- Stock and book-debt statement formats you can maintain monthly
- Renewal file prepared before the limit lapses
How the file is built
- 01Financial SWOTWritten position on what you can raise, and on what basis.
- 02Instrument designFacility structure, tenure and repayment profile.
- 03End-use justificationEnd-use note tied to the project or operating cycle.
- 04Banker-grade appraisalCMA data, projections, ratio and DSCR workings, project report.
- 05Lender matchingA matched lender, with the reasoning shown to you.
Questions we get on working capital finance
Why does my sanctioned limit never seem to match what the business needs?
Usually because the limit was sized off a turnover thumb-rule rather than the real operating cycle. If your stock holds 90 days and your buyer pays at 60, the assessment has to show that. We rebuild the assessment on your own figures.
Can an existing limit be enhanced or moved to another bank?
Yes — enhancement, takeover and restructuring are all routine, and all of them turn on how well the last two years of conduct are presented. That presentation is the work.
Fifteen minutes will tell you if this is the right instrument.
Free eligibility assessment, then a written fee proposal if we take the mandate on.