Financial Services
Working Capital
Fund the gap between what you spend and what you collect.
Overview
Cash credit, overdraft, bill discounting and buyer's credit sized to your actual operating cycle. We build the MPBF working, negotiate limits with your banker, and set up a renewal calendar so the limit never lapses mid-quarter.
Timeline
20–35 days for a new facility, 10 days for enhancement
Engagement
Quoted after a free scoping call
Includes
A named specialist owning your file end to end
Benefits
What you actually get.
Right-sized limits
Assessed on your operating cycle, not a generic multiple.
Interest on usage
Overdraft and CC structures charge only on utilisation.
Renewal discipline
Stock statements and renewals tracked so limits never lapse.
Cycle improvement
Receivable and inventory advice that reduces the need itself.
Process
How the engagement runs.
Typical duration: 20–35 days for a new facility, 10 days for enhancement.
Cycle analysis
Debtor, inventory and creditor days mapped to the real funding gap.
Limit assessment
MPBF working prepared to banker's format.
Negotiation
Rate, margin and collateral terms negotiated with the panel.
Ongoing management
Monthly stock statements and annual renewal handled.
“Our limit finally matches how the business actually runs.”
Sanjay Rana · CFO
Frequently asked
Related services
More from our financial practice.
Enquire about Working Capital
Free consultation. Written scope within three working days.