What It Solves
Working capital facilities unlock cash tied up in receivables and inventory. The goal is simple: ensure you can pay suppliers on time, cover payroll, and seize purchase opportunities — without starving operations.
- Bridge cash gaps between payables and receivables
- Improve supplier terms with faster payments
- Finance imports and local purchases predictably
- Scale cycles without choking cash flow
Typical Requirements
- Trade Licence, MoA / AOA, Passport / Emirates ID
- 6–12 months bank statements, VAT returns
- Supplier / Buyer details, sample invoices / contracts
- Existing liabilities & facilities summary
Facility Snapshot
| Facility | Use Case | Collateral/Support | Tenor | Typical Margin/Cost* |
|---|---|---|---|---|
| Letter of Credit (LC) | Import purchases; supplier comfort | Cash margin / lien / corporate PG | 90–180 days | Bank LC charges + margin |
| Trust Receipt (TR) | Post-import financing | TR agreement, PG, inventory | 60–180 days | Cost of funds + processing |
| Overdraft (OD) | Day-to-day working capital | PG / assignment of receivables | Revolving, annual renewal | Rate on utilized amount |
| Invoice Finance | Advance on receivables | Assignment of invoices | 30–120 days | Discount rate per invoice |
*Illustrative only. Pricing depends on risk, tenor, collateral, and bank policy.
Cash-Flow Improvement (Illustrative)
Effect of a working capital line on monthly net position across a 6-month cycle.
How We Work
1️⃣
Pre-Check
Eligibility review vs. lender criteria; highlight gaps.
2️⃣
Structuring
Facility mix and limits aligned to your cash cycle.
3️⃣
File Prep
Banker-ready pack; reduce back-and-forth.
4️⃣
Liaison
Coordinate with RMs; negotiate terms and timelines.