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COMMERCIAL FINANCE CONSULTING

OUR SOLUTIONS

COMMERCIAL FINANCE SOLUTIONS WITH MAXIMUM CONFIDENTIALITY

Our company’s Commercial Finance division aims at implementing bespoke commercial financing solutions for your company, by analyzing and understanding in depth your business and trading activity and then assisting in the correct and comprehensive presentation of your business case to lenders within our extensive global network.

The assignment to the lender of your accounts receivables in relation to invoices that you have issued to your corporate customers. The lender will typically pay you a discounted value on the amount to financed and take on the repayment risk by such customer in relation to the invoice in question.

The assignment to the lender of your accounts payable in relation to invoices that your corporate suppliers have issued to you. The lender will typically advance directly to your supplier part or the whole of the amount invoiced by them at an accelerated rate in exchange for a discount.

BENEFITS FOR YOUR BUSINESS

Fast and timely access to working capital funding

Get funded as fast as within 24 hours.

Debt collection services

Streamline your account receivables processes turning over collections to a specialised third party, allowing you to focus on sales and other core business areas of your choice.

Protection against debtor insolvency

Trade credit insurance solutions can also be packaged to secure your business turnover.

Financing without credit requirements or ties to fixed assets

An additional cashflow source that grows with your business and does not accrue more debt. Instead of taking out a loan and paying it back with interest, you are receiving an advance on the money you are owed from your clients.

Improved commercial terms with your suppliers

An efficient accelerated payment plan can greatly benefit your relationship with your own suppliers and possibly improve commercial terms.

OUR PROCESS

1. IN-DEPTH ANALYSIS

We analyse your business needs, supply chain organisation and current funding structure.

Objective:

To determine a realistic and viable financing strategy, relevant to your business unique needs and characteristics.

Deliverables:

Recommendations to optimise existing facilities and/or alternative solutions.

2. SUPERVISION OF THE LENDER’S EVALUATION AND STRUCTURING PROCESS

We reach out to the most appropriate lenders for your business case within our network and supervise their evaluation and lending facility structuring process.

Objective:

To obtain the most suitable financing facility with the right features. The key factors to getting a receivables finance facility approved differ significantly from traditional business loans.

Deliverables:

Presentation of solution providers, support in securing a financing facility and implementation of the desired terms and conditions.

QUALIFICATION CRITERIA

Time in Business

At least 2 fiscal years.

Geographies

Europe, USA, UAE, Hong-Kong, Singapore, South-East Asia.

Industries

Goods and/or Services [ NOT ACCEPTED: Arms Dealing, Mining, Precious Stones Dealing, Physical Commodities, Perishable Goods ]

Credit Terms

Up to 120 days

Trade Terms

Formally documented (sales agreement, purchase order, invoice, delivery note, etc.) [ NOT ACCEPTED: Conditional sales (rebates, buy backs, work in progress stage invoicing, etc.) and buyers that are also suppliers (or any form of compensation of contra account) ]

Buyer

Medium to large, reputable, preferably with own Trade Credit Insurance, who accept assignment notification, with no connection with the borrower/supplier.

Program size

Assigned turnover > USD 5mn p.a. or facility limit (funding amount) > USD 500K.

Trading Track Record

Ideally > 2 years of track record with the buyer.

Personal Guarantee

Personal guarantee of UBOs is often required.