Optimize your cash flow and support your day-to-day operations.
1. Overview
A Working Capital Loan (or Short-Term Credit Facility) is a financing solution designed to cover temporary cash flow requirements arising from your company's operating cycle.
It is a flexible financing tool that helps bridge timing gaps between incoming and outgoing cash flows, ensuring the smooth operation of your business.
2. Purpose
This financing solution can be used to:
- Finance your Working Capital Requirement (WCR)
- Manage seasonal or temporary cash flow gaps
- Finance the purchase of raw materials or merchandise
- Support the day-to-day management of your business activities
3. Financing Ratio
The financing ratio is determined based on an assessment of your actual funding needs and repayment capacity.
In general, financing may cover up to 80% of justified needs, subject to banking regulations and a comprehensive review of your financing application.
Your Relationship Manager will support you in defining the credit facility best suited to your operating cycle and business needs.