Receivables Financing Strategy

A fast-growing facilities management company was landing more contracts than ever, but their cashflow was stuck in limbo. Despite the project wins, their customers operated on 60 to 90-day payment terms, while the company still had to settle monthly operating costs and vendor payments. To make matters worse, their existing credit lines were maxed out, and traditional lenders weren't keen to extend more funding without additional collaterals. With working capital thinning out and no clear view on where to turn, they needed a funding solution that was fast, flexible, and didn't put their assets at risk.

B.Smart stepped in to structure a financing solution that didn't require jumping through corporate hoops. We structured a high six-figure receivables finance facility—on an unsecured basis—through a trusted non-bank lender. No collateral. No delays. Our team handled the process end-to-end, ensuring a smooth experience from lender selection to disbursement. We chose a partner that understood the nature of their operations, reducing back-and-forth and accelerating approval timelines.

• $1.6M in working capital unlocked, instantly improving liquidity
• Zero collateral required—keeping the balance sheet lean
• Freed-up cashflow gave the team confidence to take on new contracts
• The entire process was handled for them, with minimal disruption to daily operations