Our case studies

• Annual revenue: €680m
• Facility: €65m

Transform the Group’s existing factoring programs into a centralized financing facility that is resilient to changes in ownership, in preparation for a potential exit

Italy, United States

• Consolidation of existing programs into a single centralized solution
• Implementation of a 3-year committed financing facility with no financial covenants
• Negotiation of an “exit-ready” and scalable agreement enabling plug-and-play onboarding of future sellers

• Annual revenue: £140m
• Facility: £15m

Bypass restrictions on receivables assignment clauses and implement a financing program for public-sector debtors in the United Kingdom

United Kingdom

• Structuring of a financing program for public-sector debtors in the United Kingdom
• Circumvention of anti-assignment clauses
• Non-recourse factoring compliant with IFRS, backed by delegated credit insurance and a 3-year committed facility
• Accelerated and optimised financing enabled by the ARI software platform

• Assigned turnover: €20m
• Facility: €5m

Meet a 2-month deadline to optimize a non-recourse financing solution

France

• Implementation of a €5m non-recourse program in 2 currencies (€ and $)
• Integration of a credit insurance policy with optimized credit limits
• Deployment of our ARI solution to secure the launch and optimize management
• Funding received into their bank accounts in under 2 months

• Assigned turnover: €92m
• Facilities: €6m for Italy and an uncapped financing line for France

Identify a credit insurer capable of integrating into a bank syndicate in order to unlock additional bank guarantee capacity

France, Italy, Norway

• Tailored financing solutions to prevent lost commercial opportunities for the client
• Establishment of a bank syndicate including a credit insurer to diversify risk and strengthen financial capacity

• Assigned turnover: €1.6bn
• Facility: €300m

Replace the existing financing structure with a global facility across Europe and the United States, and onboard 19 entities within 2 months

Belgium, Finland, France, Germany, Italy, Swiss, United Kingdom, United States

• €100m of additional financing secured through a syndicated facility covering both Europe and the United States
• Integration of 19 entities within 2 months, including 5 carve-outs
• Use of ARI Trade to facilitate entity onboarding and program management

• Annual revenue: €75m
• Facility: €10m

Ensure a smooth transition from one factor to another in a complex restructuring context

Germany

• Increased facility size and financing capacity through an optimized structure and credit insurance support
• Expanded scope by including additional debtors and increasing advance rates
• Enhanced protection through a co-insurance model ensuring a high level of coverage

• Annual revenue: €20m
• Facility: €5m

Transition standard contracts into a harmonised and optimised financing program shared across both group entities

France

• Transition from a disclosed to an undisclosed factoring arrangement, shared across both entities and secured on competitive financial terms (factoring fee 0.15% including credit insurance cost, spread 0.9%, etc.)
• Implementation of a limited reserve (10%) to cover invoicing-related risk

• Annual revenue: €690m
• Facility: €40m

Make a listed SaaS company eligible for factoring, despite a sector traditionally considered difficult to finance through receivables

Belgium, France, Germany, United Kingdom, United States

• Maximum financing rate achieved, with no reserve or guarantee fund required
• Seamless customer receivables collection without a dedicated collection account: customers pay the factor directly upon settlement
• No additional guarantees or financial covenants required

• Annual revenue: €230m
• Facility: €25m

Meet very tight deadlines and obtain auditor approval for non-recourse treatment and off-balance sheet accounting

Germany

• 22 days between the start of the RFP and first funding
• Structuring of an IFRS derecognised, undisclosed, balance assignment financing agreement with a 3-year committed factoring facility

• Annual revenue: €3bn
• Facility: €650m

Secure the group’s financing at the best possible cost and implement a sustainable, transferable solution (in the event of a private equity exit)

France, Germany, Italy, Portugal, Spain, United Kingdom

• Conducted multiple competitive tenders, enabling reduced overall margins, optimized advance rates, and increased facility capacity
• Structured a syndicated, scalable financing facility designed to support both organic and external growth, with a light change-of-control clause

• Annual revenue: $520m

Secure the group’s cash flow by renegotiating the existing credit insurance policy

Canada, United Kingdom, United States

• Negotiations: inclusion of Canada and the United Kingdom into the US policy at a lower overall cost / Improved premium rate / Optimised indemnification percentage / Extended claims reporting deadlines / Reduced investigation and monitoring fees
• Innovation: new types of contracts tailored to the complex payment flows of media buying

• Assigned turnover: €65m
• Facility: €5m

Identify a financing solution for a company recently acquired by a private equity fund

France

• Structuring of an undisclosed balance assignment financing agreement with recourse