Our case studies

• 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

• Assigned turnover: €70m
• Facility: uncapped

Ensure compliance with senior debt documentation requirements to preserve the contractual financing framework, while improving financial and leverage ratios to strengthen the balance sheet and enhance financing capacity

France

• Transition from spot financing to a recurring credit facility
• Implementation of a non-recourse factoring program aligned with senior debt covenants
• Deployment of ARI Trade to optimize factoring operations

• Assigned turnover: €4m
• Facility: €800k

Renegotiate an existing agreement that does not cover the full turnover, thereby limiting financing security and optimization

France

• Implementation of a second factoring agreement to finance the full turnover
• Securing attractive pricing conditions

• Assigned turnover: $75m
• Facility: $12m

United States

• Implementation of an undisclosed, derecognised financing facility in the United States, compliant with IFRS standards

• Assigned turnover: $120m
• Facility: $15m

Integrate the US acquisition into the group’s existing factoring program to harmonise financing and optimise receivables management

United States

• Integration of the US subsidiary into the existing factoring program
• Deployment of ARI Trade to streamline and simplify financing program management

• Annual revenue: €200m
• Facility: €38m

Implementation of a credit insurance policy upstream to strengthen contractual terms, improve conditions, and secure the guarantee level in order to support the factoring financing

France, Germany, United Kingdom

• Transformation of the existing agreement into a fully managed structure (with collections and payment reconciliation taken over) and non-recourse, while retaining the option of recourse financing (beyond the insured/guaranteed portion) up to a maximum of 10% of outstanding receivables
• Securing improved pricing conditions and enhanced financing terms

• Annual revenue: £610m
• Facility: £80m

Support the post-LBO growth trajectory by leveraging factoring to finance both organic growth and bolt-on acquisitions

United Kingdom

• Structuring of an undisclosed, derecognised factoring program combined with a delegated credit insurance policy
• Securing a recourse facility to finance guarantee excesses up to £4.5m (included within the £80m overall facility limit)
• Deployment of our ARI Trade platform to manage both factoring and credit insurance programs through a single unified interface

• Assigned turnover: €150m
• Facility: €30m

Optimize an existing structure built around two factoring programs by enhancing the scope of Program 1 and replacing the factor on Program 2

France

• Factoring: implementation of a new program with more favorable terms for the second scope, and improvement of the financing rate through reduced reserves on Scope 1
• Credit insurance: enhanced coverage levels

• Annual revenue: €670m
• Facility: €140m

Secure and optimise financing conditions in an LBO context to support both organic and external growth, by rationalising multiple local solutions into a single factoring facility

Italy

• Increase in total financing capacity by €100m, moving from 4 separate factors to a single factoring facility with one provider, for an equivalent total of €140m
• 3-year committed, confidential, non-recourse facility enabling off-balance sheet treatment
• Deployment of our ARI Trade platform to manage both factoring and credit insurance through a single integrated interface

• Assigned turnover: €6m
• Facility: €1m

Support growth and secure cash flow

France

• Implementation of a factoring program with delegated credit insurance to finance growth while securing cash flow