Keep the business moving while cash is still in the cycle.
WORKING CAPITAL FINANCE
Keep Your Business Moving. Keep Your Capital Working.
The Working-Capital Gap
A profitable business can still face a cash-flow gap.
Businesses may need capital while waiting for customer collections, funding inventory, paying suppliers, executing purchase orders or meeting operating commitments. The right working-capital structure can help bridge those timing gaps.
XYZ Arrow helps businesses explore structured Working Capital Finance solutions designed around their operating cycle, receivables, inventory, business performance and funding requirement
OUR FUNDING SOLUTIONS
Capital aligned to your operating cycle.
We assess the underlying cash-flow requirement first, then evaluate potentially suitable financing routes and capital providers.
From cash-flow requirement to funding conversation.
OUR FUNDING PROCESS
A disciplined process improves clarity before capital providers are engaged.
01. UNDERSTAND
We understand your business model, funding purpose, existing debt, financial position and repayment capacity.
02. ASSESS & STRUCTURE
Evaluate financials, receivables, payables, inventory, banking, contracts and existing facilities
03. MATCH
We approach potentially suitable banks, NBFCs, financial institutions and alternative lenders based on the transaction profile.
04. FACILITATE
We support the funding process, documentation coordination and communication with relevant financing institutions.
05. CLOSE
The transaction proceeds toward sanction and disbursement subject to lender due diligence, credit approval, documentation and applicable conditions.
Features of Our Services
Why Choose Us?
we have a network of best as well as cost effective Solution across Eco-system.
We work across a network comprising banks, NBFCs, financial institutions, private lenders, family offices and other capital providers.
We focus on understanding the underlying transaction and funding requirement rather than applying a one-size-fits-all financing model.
We help businesses evaluate different debt structures according to their business profile, cash flows and funding objective.
Our team brings experience across corporate funding, investment banking, financial structuring and business advisory.
From initial assessment and funding strategy to coordination with potential financing institutions, we support the process through the relevant stages.
Frequently Asked Questions
Working-capital funding provides liquidity for the day-to-day operating cycle of a business, including inventory, receivables, supplier payments and other eligible operating requirements.
Certain cash-flow-based, receivables-based or unsecured structures may be evaluated. Eligibility depends on business performance, repayment capacity, transaction quality, credit profile and capital-provider appetite.
Assessment may consider business performance, cash flows, existing debt, banking conduct, promoter profile, collateral where relevant, transaction purpose and repayment capacity.
Yes, enhancement or refinancing can be evaluated where the business profile, cash flows, existing facilities and lender appetite support a credible funding proposition.
Potential users include manufacturers, traders, engineering companies, EPC businesses, exporters/importers, service businesses, MSMEs and other established businesses with identifiable operating cycles and funding requirements.
Depending on the financing structure and lender, businesses may be asked to provide:
- Company / business profile
- KYC documents
- Certificate of incorporation
- Shareholding details
- GST returns
- Income-tax returns
- Audited financial statements
- Latest provisional financial statements
- Bank statements
- Existing sanction letters
- Existing loan statements
- Debtor ageing
- Creditor ageing
- Stock statements
- Sales / purchase data
- Major customer details
- Major supplier details
- Purchase orders
- Sales orders
- Trade documents
- Business projections
- Working-capital assessment
- Details of available security
Exact documentation varies according to the lender, facility and transaction
Working-capital financing is generally transaction- and borrower-specific.
Potential lenders may evaluate:
BUSINESS TURNOVER
Historical and projected revenue.
OPERATING CYCLE
Time taken from procurement to collection.
RECEIVABLES
Customer quality, ageing and concentration.
INVENTORY
Nature, turnover and valuation of stock.
PAYABLES
Supplier terms and payment obligations.
BANKING CONDUCT
Existing facility utilisation, repayment behaviour and account operations.
FINANCIAL PERFORMANCE
Revenue, EBITDA, profitability, net worth and leverage.
CREDIT PROFILE
Credit history and existing obligations.
SECURITY
Available collateral or other acceptable security, where required.
PURPOSE OF FUNDS
Proposed use and business requirement.
INVENTORY PROCUREMENT
Purchase raw materials, finished goods and inventory required to fulfil business demand.
SUPPLIER PAYMENTS
Manage vendor obligations while waiting for customer collections.
RECEIVABLES GAP
Bridge the period between sales/invoicing and customer payment.
PRODUCTION
Fund manufacturing, processing, packaging and other operating requirements.
BUSINESS EXPANSION
Support additional working capital generated by higher sales or new customers.
ORDER EXECUTION
Help eligible businesses meet confirmed orders where additional operating liquidity is required.
IMPORT & EXPORT CYCLES
Manage cash requirements associated with procurement, shipment and receivable realisation.
- No. Funding is subject to project due diligence, eligibility, documentation, lender or investor appetite, commercial terms and applicable legal and regulatory requirements.
LET'S DISCUSS YOUR WORKING CAPITAL REQUIREMENT
Financing is subject to borrower eligibility, financial assessment, documentation, lender credit policy, regulatory requirements and applicable approvals. XYZ Arrow does not guarantee sanction, pricing or disbursement.
Contact us
- +91-8260673300
- invest@xyzarrow.com
- Globally