Working Capital Facilities

Efficient management of working capital is crucial for the daily operations, liquidity, and sustained growth of any business. Working capital facilities provide businesses with the necessary short-term funding to bridge gaps between cash inflows and outflows, manage inventory, cover operational expenses, and seize immediate opportunities. IGAP Global specializes in advising and facilitating various types of working capital facilities, connecting businesses with suitable lenders to optimize their liquidity and operational efficiency.

Our Working Capital Advisory Services

We help businesses secure and optimize working capital solutions tailored to their specific needs and industry dynamics:

• **Needs Assessment & Strategy:**
  • Analyzing your business's cash conversion cycle, operational expenses, and growth projections to identify optimal working capital requirements.
  • Developing a strategic plan to secure the most appropriate and cost-effective financing solutions.
• **Product Selection & Structuring:**
  • Guiding clients through various working capital products, including revolving credit lines, overdrafts, trade finance solutions, and invoice financing.
  • Structuring facilities with appropriate tenors, interest rates, and collateral arrangements.
• **Lender Identification & Matching:**
  • Leveraging our extensive network of commercial banks, financial institutions, and specialized lenders (e.g., factoring companies, fintech lenders) to identify those offering the most competitive rates and suitable terms for your business profile.
• **Application & Documentation Support:**
  • Assisting with the preparation of comprehensive financial statements, business plans, and other required documentation to streamline the application process.
  • Ensuring all applications are accurate, complete, and compelling.
• **Negotiation & Optimization:**
  • Leading negotiations with lenders on behalf of our clients to secure favorable terms, covenants, and pricing that align with their operational and financial goals.

Types of Working Capital Facilities We Facilitate

Our expertise covers a broad spectrum of working capital solutions designed to support diverse business needs:

• **Revolving Credit Facilities (RCFs):**
  • Flexible lines of credit that allow businesses to borrow, repay, and re-borrow up to a certain limit, ideal for managing fluctuating cash flow needs.
• **Overdraft Facilities:**
  • Short-term facilities linked to a current account, allowing businesses to draw more money than is available in their account, up to an agreed limit, for immediate liquidity needs.
• **Trade Finance Solutions:**
  • **Factoring/Invoice Financing:** Selling accounts receivable to a third party (factor) for immediate cash, improving cash flow and reducing collection efforts.
  • **Letters of Credit (LCs) & Guarantees:** Facilitating international trade by mitigating payment and performance risks between buyers and sellers.
  • **Supply Chain Finance:** Optimizing cash flow across the supply chain, often involving early payment to suppliers or extended payment terms for buyers.
  • **Export & Import Financing:** Providing specific facilities to support international trade transactions.
• **Term Loans for Working Capital:**
  • Structured loans with fixed repayment schedules for specific, identifiable working capital needs or for growth initiatives that require sustained funding.
• **Asset-Backed Lending (ABL):**
  • Loans secured by a company's current assets, such as accounts receivable, inventory, and sometimes machinery, providing a flexible credit line that fluctuates with the value of the collateral.

Why Choose IGAP Global for Working Capital Facilities?

With over two decades of extensive experience in financial advisory, IGAP Global has a proven track record of securing optimal working capital solutions for clients across diverse industries and geographies. Our distinct advantages include:

• **Deep Market Knowledge:** Comprehensive understanding of the various working capital products and the lenders specializing in them.
• **Extensive Lender Network:** Access to a wide array of local and international banks, non-bank financial institutions, and alternative lenders.
• **Tailored & Flexible Solutions:** We design bespoke solutions that precisely match your business's unique cash flow patterns and operational needs.
• **Efficiency & Speed:** Our streamlined process and established relationships can significantly accelerate the funding process.
• **Unbiased Advice:** We provide independent and objective guidance, ensuring the chosen facility best supports your short-term and long-term financial health.

Ensure your business has the continuous liquidity it needs to thrive and grow. Partner with IGAP Global to secure optimal working capital facilities. Contact us today to discuss your financing requirements.