06 · What we finance
Trade and working capital
Finance that moves with the trading cycle: imports, distribution, confirmed orders and receivables.
Tenor 90 days to 2 years
The facility
Working-capital facilities move with the trading cycle: a line against confirmed orders, pre-shipment and post-shipment finance, import and distribution facilities. Each drawing is tied to a transaction, so the facility pays for itself as goods are sold.
What it is for
- Import and distribution
- Confirmed orders and supply contracts
- Seasonal and cyclical liquidity
- Supplier and buyer finance
What stands behind it
- Trade documents and receivables
- Goods in transit and in store
- Collection and escrow accounts
What we ask for
- Confirmed orders or supply contracts
- Receivables ageing
- Trade documents: proformas, bills of lading
- Bank statements, twelve months
- Corporate documents and KYC
Also
The other five.
- 01Corporate lending
Term and revolving facilities for established companies: expansion, acquisitions, refinancing, and the balance-sheet moments between them.
Read - 02Private credit
Bilateral, confidential credit for situations a bank’s template does not fit: a timetable, an unusual asset, a sponsor’s structure, a need for discretion.
Read - 03Real estate finance
Development, investment and bridging capital for owners and developers, secured on the property and its income.
Read - 04Asset-backed finance
Facilities sized to what a business owns or is owed: receivables, inventory, plant and fleet. The line moves with the assets.
Read - 05Structured finance
Capital structures for transactions with several parties or several sources of repayment: vehicles, tranches, mezzanine.
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