Working capital
Fund the gap between doing the work and getting paid.
A business may pay suppliers and staff before it receives customer cash. Working-capital financing addresses the timing of that gap.
The cash cycle
Start with the operating cycle.
Follow the order, stock purchase, delivery, invoice and payment. The funding need is connected to when money leaves and when it is expected back.
Repayment sources
Identify the repayment source.
A customer invoice, merchant settlement or other cash flow may support repayment. Its reliability, legal rights and timing need assessment.
Choosing a facility
Match the facility to the need.
Duration, currency and repayment arrangements should fit the underlying activity. A reusable profile can preserve the history while a new request is reviewed.