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In the dynamic world of British consumer business, our spotlight shines on a company dancing through omni-channel sales, gracefully navigating the seasonal ebb and flow of products across Europe and the UK. Armed with VC backing and the financial embrace of HSBC, this company leverages its financial symphony to harmonize growth.
The challenge? Products scattered across bulk, retail, and online channels, each with its unique margins and, crucially, cashflow cycles. A single source of finance? No, that’s not the tune this company plays. Instead, it orchestrates a financial ensemble, with an overdraft, Bill Discounting for customer bills, and Trade Loans for vendor payments, each playing a vital role.
Enter our role: crafting a financial strategy that not only optimizes cost but ensures each financial instrument performs its solo with finesse. Our team dives into simulations, plotting scenarios to stretch the limits of the least expensive facility while strategically topping up others. The goal? Extend the working capital cycle, recognizing the rhythm of the seasonal dance.
But our contribution doesn’t stop at cost efficiency. We become financial architects, advising the company on which limits to boost and which to trim, not solely driven by the cost of finance but guided by removing the most significant growth hurdles. The bank, evaluating the trio of limits collectively, finds a harmonious balance in exposure.
This financial ballet, a testament to the symbiosis of innovation and tradition, propels the consumer business to new heights. From overdraft pirouettes to Trade Loan leaps, the company twirls through the financial stage, a masterpiece in the making.
