Case Summary:
Our client approached FBX in need of some form of a working capital facility, their existing IF lender had recently informed them that they were exiting the market soon. This meant that our client would lose financing within the next few weeks. What made this more time constrained is our client had large expenses coming up roughly while their existing lender was leaving the market.
FBX came up with a plan to replace their existing lender with a dynamic and agile lender who could serve their unique needs, namely: the client had business all over the world which meant the lender had to be in the position to back international debtors.
Solution:
FBX found a lender who was able to selectively fund debtors, this meant that our client was able to leverage their largest debtors to unlock capital and pay down their large upcoming expenses.
The company was multinational and thus we needed to find a lender who would find international debtors, this is a hard challenge to find lenders who would support this in the world of invoice financing.
Main Benefits of Invoice Financing:
- Improved Cash Flow
- Access cash tied up in unpaid invoices, often within 24–48 hours, improving liquidity.
- Quick Access to Working Capital
- Faster than traditional loans, allowing businesses to meet short-term obligations like payroll, inventory, or overheads.
- No Need for Collateral
- In most cases, the invoices themselves serve as security, so no need to pledge other assets.
- Supports Business Growth
- Enables reinvestment into operations, marketing, or expansion without waiting for customer payments.
- Flexible and Scalable
- The amount of funding can grow with your sales—more invoices mean more financing potential.
