Working Capital
Growth consumes cash. So do seasonality, long payment cycles and big new contracts. We help you put the right working-capital structure in place so liquidity never becomes the thing that limits the business.
The Problem
Working-capital problems rarely mean the business is failing — usually the opposite. Growth, seasonality and slow-paying customers create gaps that a well-structured facility should absorb, not a scramble for expensive short-term money.
Strategic Considerations
How long capital is tied up between spend and payment.
Structuring facilities that flex with the business rhythm.
How the debtor book can support funding.
Whether stock can be leveraged appropriately.
Financing the delivery of large new orders.
Building capacity for the opportunity you can't yet see.
Capital Options
Revolving credit sized to the business cycle.
Funding against invoices to accelerate cash.
Leveraging stock to free up capital.
Funding the delivery of large orders.
Facilities matched to card or transaction volume.
Short-term capital for defined, temporary gaps.
Our Advisory Role
We diagnose where cash is actually trapped, then structure facilities that release it — giving you headroom without over-borrowing or over-paying.
How our advisory engagement worksExecution Process
We define the real liquidity need and the right structure.
We analyse the cash cycle, debtors and inventory.
We select and size the right facilities.
We prepare the package for lenders.
We compare providers and negotiate terms.
We coordinate set-up to funds available.
Frequently Asked Questions
An overdraft is one tool, and often the bluntest. Depending on your cycle, receivables finance, inventory finance or contract funding can provide more headroom at a better effective cost. We match the structure to the business.
Very. Rapid growth consumes working capital; it is one of the most common reasons profitable businesses feel squeezed. The answer is structure, not panic.
Often, yes — through contract, purchase-order or receivables finance designed around the delivery timeline. We help you say yes to the order with confidence.
It depends on the structure. Some facilities are balance-sheet efficient, and we factor presentation and covenants into the recommendation.
It varies by type and provider. Some receivables and flow-based facilities move quickly; larger bank lines take longer. We manage timing against your need.
Let's Begin
Book a capital strategy call and we'll structure working capital that gives you room to grow.