Working Capital Finance to Keep Operations Running

Working capital is the lifeblood of a manufacturing business. Between buying raw material, converting it, selling on credit and finally collecting payment, your money is locked up for weeks or months. A working-capital facility bridges that gap so production never stops for want of cash.

The most common facility is cash credit (CC) — a revolving limit secured against your stock and book debts, on which you pay interest only on the amount actually used. An overdraft (OD) works similarly against collateral or as a clean limit. Bill discounting and LC-backed finance let you turn receivables and purchase orders into immediate cash.

Getting the limit right matters enormously. Too small and you are perpetually strangled; too large and you carry unnecessary interest cost. We assess your operating cycle properly and negotiate a limit — and a margin and drawing-power calculation — that genuinely fits how your business runs, then arrange annual renewals and enhancements as you grow.

We also help fix the common problem of working-capital limits that no longer match a business that has doubled in size. If you are funding growth out of your own pocket because your CC limit is stuck where it was three years ago, an enhancement is usually overdue — and we can arrange it.