Our case studies

• Assigned turnover: €80m
• Facility: €20m

Take into account existing banking relationships while optimizing the cost-to-financing ratio

France

• Implementation of a derecognised financing structure within 2 months
• Negotiation of the factoring commission and financing fee
• Reduction of the group’s net debt (a key requirement of the investment fund)

• Annual revenue: €50m
• First facility: €4m
• Second financing facility: €3m

Structure a syndicated factoring solution tailored to this company, where 100% of revenues are generated through delivery subcontractors

France

• Full capture of revenue generated through delivery subcontractors (100% of turnover) via a syndicated financing facility
• Significant improvement in the company’s cash flow

• Assigned turnover: €450m
• Facility: €80m

Assess the feasibility of a factoring solution in a carve-out context, taking into account significant year-end rebates linked to the retail sector

France

• Secured a significant year-end rebate franchise and no factoring commission
• Increased the facility by +€10m
• Deployment of our IT interface to integrate entities and manage programs

• Assigned turnover: €4.5m
• Facility: €300k

Secure a rapid replacement financing solution ahead of the imminent termination of the facility by the outgoing factor, in order to address a high level of indebtedness and low profitability

France

• Securing cash flow through a tailored factoring program
• Improvement of the advance rate (financing ratio)

• Assigned turnover: €25m
• Uncapped facility

Structure a factoring facility in the context of a carve-out of a loss-making company, financing working capital needs to support operations and preserve cash flow, while identifying a responsive financing partner capable of supporting a temporarily elevated risk profile

France

• Factoring agreement signed prior to closing, ensuring financing continuity
• First funding within 2 days – fast and efficient execution
• Deployment of an optimized, digitalised factoring program with ARI Trade
• Competitive pricing despite a restructuring context

• Annual revenue: €3.2bn
• Facility: €520m

Negotiate a pan-European extension of a French factoring facility and standardise customer risk management across all European entities

European Union

• Negotiation of a pan-European extension of a French factoring facility
• Harmonisation of customer risk management across Europe
• Increase of more than €370m in the financing facility over 5 years
• Integration of 5 to 10 annual bolt-on acquisitions into the group’s factoring program
• Deployment of our ARI Trade IT solution to facilitate entity onboarding and overall program management

• Annual revenue: €7m
• Uncapped facility

Improve the financial structure to ensure cash flow availability at a competitive cost

France

• Deployment of a competitive financing facility at a 2.3% rate, excluding benchmark rate
• Implementation of a balance financing agreement despite a limited volume of customer accounts
• Minimal additional accounting documentation required thanks to negotiations with Fibus

• Annual revenue: €3.25bn
• Facility: €450m

Replace the existing ABL with a 3-year committed non-recourse facility and secure attractive terms with low margins and minimal non-utilisation fees

Germany, Norway

• Flexibility provided by a derecognised facility with full portability secured in the event of an exit
• Maximum advance rate achieved, with no retention, reserve, or discount, unlocking the full financing capacity of the receivables portfolio
• Deployment of ARI Trade to end-to-end optimize the factoring program, ensuring capture of 100% of available financing potential

• Annual revenue: €350m
• Financing facility: €65m

Secure liquidity during the restructuring to ensure business continuity, while managing a complex IT landscape and maintaining visibility and control over financial flows

France, Italy, Liechtenstein, Portugal, Spain, Swiss, United Kingdom, United States

• Rapid deployment of the factoring program, ensuring cash flows in a restructuring context
• Automation of invoice validation and receivables assignment through ARI Trade
• Enhanced visibility over financial flows and reduced invoicing discrepancies
• Optimised financing through automatic detection of underfinancing and cash optimisation opportunities

• Assigned turnover: €230m
• Facility: €40m

Overcome financing challenges linked to a subscription-based business model and select factoring partners capable of covering the Group’s international entities independently of the French entity

Canada, Germany, Swiss, The Netherlands, United Kingdom, United States

• Derecognition of the factoring program to ensure compliance with senior debt covenant ratios
• Achieved a significant financing ratio for the company at attractive pricing conditions, despite a business profile typically considered less suited to factoring
• Deployment of ARI Trade to optimize factoring operations and maximize financing efficiency

• Annual revenue: €1.8bn
• Facility: €250m

Renegotiate more favourable financing terms and reduce operational complexity of a program with a large volume of receivables

Czech Republic, France, Germany, Italy, Poland, United Kingdom

• Maximum advance rate achieved, with no guarantee fund required
• Accelerated cash flow and strengthened balance sheet flexibility, improving the company’s financial agility
• Reduced operational burden of the program through balance sheet receivables purchase (balance assignment)

• Assigned turnover: €460m
• Facility: €140m

Support the organic growth and post-acquisition build-up strategy of a Private Equity-backed group by centralising multiple local facilities with a single French factor, improving efficiency and increasing financing capacity

Italy

• Consolidation of four legacy programs (four different factors) into a single financing facility
• Increase in financing capacity by +€40m
• Confidential, derecognised program management through our ARI Trade platform