Working Capital Facilities

Keep cash moving without starving operations. We arrange revolving and asset-based working capital facilities backed by receivables, inventory, and predictable cash flows. Clear reporting, clean controls, and lender-ready documentation.

We structure and place working capital lines with bank and private credit partners. Scope covers borrowing base design, collateral and cash controls, covenant and reporting packs, lender outreach, and closing coordination. Outcome is a facility that matches your operating cycle, funds growth, and stays workable under real-world constraints.

Scope of Services

Structuring

  • Facility type selection: revolving line, borrowing base, receivables purchase, or inventory finance
  • Advance rate targets by collateral class with eligibility and reserve logic
  • Tenor, amortization, and renewal mechanics aligned to operating cycle
  • Covenants and reporting calibrated to lender requirements and business reality

Underwriting

  • Business and cash flow review with stress cases and seasonality mapping
  • Receivables quality review: aging, dilution, disputes, concentration, and terms
  • Inventory review: valuation method, turn, obsolescence, and control feasibility
  • KYC, ownership, sanctions screening, and jurisdiction gating

Documentation

  • Lender-ready data room with a clean narrative and reconciled numbers
  • Credit agreement inputs: definitions, borrowing base, covenants, and events of default
  • Security package coordination: pledges, filings, guarantees, and collateral schedules
  • Appraisals, field exams, inventory audits, and insurance confirmations if required

Controls

  • Cash and proceeds controls: lockbox, blocked accounts, and cash dominion options
  • Borrowing base certificate logic and monthly reporting cadence
  • Collateral monitoring plan with triggers and cure pathways
  • Post-close support for draw workflow, renewals, and amendments

Structures We Arrange

  • Revolving working capital facilities for operating liquidity
  • Asset-based lending lines secured by receivables and eligible inventory
  • Receivables purchase and factoring style structures where fit
  • Purchase order finance and supplier payment programs tied to confirmed orders
  • Warehouse lines for repeat trade flows with defined collateral controls
  • Inventory and commodity-backed facilities where storage and insurance controls are bankable
  • Seasonal peak facilities for procurement build-up and sales ramp

Eligibility and Dossier

Minimums

  • Post-revenue operating company with documentable operating history
  • Typical facility size from USD 5,000,000, smaller sizes reviewed case by case
  • Collateral that can be verified and controlled: receivables, inventory, or contracted cash flows
  • Clean KYC with transparent ownership and acceptable jurisdictions

Core Dossier

  • Latest 24 months financials plus trailing twelve month management accounts
  • Accounts receivable aging and dilution history, plus top customer list and terms
  • Inventory report with valuation method, aging, locations, and insurance
  • Bank statements and existing debt schedule, including liens and covenants
  • Key contracts: customer agreements, supplier terms, and any purchase orders (if relevant)
  • Applicant KYC, ownership chart, corporate documents, and signatory proof

Process

Intake

Mandate signed, KYC received, and a clean document list issued. We confirm facility target, collateral scope, and timeline.

File Build

We reconcile financials, normalize collateral schedules, and assemble a lender-ready pack: borrowing base logic, concentration analysis, and risk notes.

Terming

We run lender selection and issue indicative terms: advance rates, reserves, pricing, covenants, and control requirements. You get a clear path, not vague promises.

Credit and Docs

Lender credit process and diligence proceed. We coordinate legal and collateral steps, push for workable definitions, and keep the document set aligned to the agreed structure.

Closing and Monitoring

Closing deliverables completed, facility funded, and reporting cadence established. We support draw workflow, renewals, and amendments where required.

Pricing Guidance

  • Interest and lender fees depend on collateral quality, controls, and leverage
  • Borrowing base intensity affects pricing, reporting cadence, and third-party diligence
  • Arrangement retainer from USD 59,500 based on scope and facility complexity
  • Success fee 2.5% of committed facility amount at closing unless agreed otherwise
  • Legal, collateral agent, appraisal, audit, and filing costs are passed at cost

Final economics depend on jurisdiction, borrower profile, collateral eligibility, concentrations, and the strength of controls available.

Request Working Capital Indicative Terms

Share your latest financials, accounts receivable aging, inventory report, and the facility amount you want. We respond with eligibility, structure options, and the fastest path to closing.

Include your current debt schedule, top customer list, payment terms, and any constraints on cash controls. We act as advisor and arranger and coordinate execution through regulated counterparties when lending, custody, or intermediation is required.

Request A Quote

All transactions are subject to KYC and AML, sanctions checks, credit approvals, document conformity, and signed agreements. No offer of securities is made.

Financely acts as advisor and arranger. We are not a bank and do not take deposits. Working capital facilities depend on lender approvals, diligence results, collateral controls, and executed documentation. Nothing here is a guarantee of funding.