A priority of financial managers with responsibility for cash flow and financing is to anticipate how market fluctuations will affect their plans and to consider diversifying financial sources and partners. This is becoming more important at a time when payment delays have a widespread impact and when “traditional” overdraft and credit facilities sometimes cannot fully support the momentum of commercial growth.
You wish to increase or diversify your short-term financing sources
“My financial partners have readjusted my short-term credit facilities following the publication of my most recent results. I therefore need to find alternative solutions to finance my WCR.”
Chief Financial Officer of an auto parts subcontractor SME.
Your company has international operations through local subsidiaries
“My group is a major player with operations both in France and, via local subsidiaries, in a number of other European countries. I need a short-term, centralized financing solution to cover the customer receivables of all my subsidiaries.”
CEO of an international import-export group
You have an acquisitions-based growth strategy
“I have the opportunity to speed up my company’s growth through the acquisition of a competitor. I need to mobilize my customer receivables to finance this deal.”
Chief Financial Officer of a regional aeronautical maintenance specialist
Solutions geared to your needs
– Topping up by balance or line-by-line
– Domestic and/or export
– Notified or confidential
– Dunning and collection by the factor or delegated to the company
Off balance sheet financing
Off balance sheet financing is strategically important for your company, primarily to reduce net debt, total assets and liabilities and associated covenants. Additionally, such arrangements help improve your credit rating.
You have subsidiaries in several European countries and you want the best terms for facilities secured by trade receivables centralised at the parent company level or decentralised by subsidiary.
You want to offer major suppliers a simple and effective receivables financing solution:
– Your suppliers are certain to be paid promptly by the factor, who settles their receivables before their due date, improving their cash flow.
– You strengthen the loyalty of strategic suppliers while improving your operating margin with a supply discount.
Your short-term credit and overdraft facilities are not enough and you want to have additional financial resources without disrupting your company’s commercial and financial situation.