Our case studies

• Annual revenue: €85m
• Facility: €16.5m

Implement a global financing agreement for a high-growth group to optimise financial resources and harmonise pricing conditions across its European entities

France

• Transformation of the existing financing structure into an undisclosed factoring program
• Increase in the financing facility and harmonisation of conditions across all entities
• Deployment of ARI Trade to manage factoring and credit insurance programs through a single unified platform

• Assigned turnover: €360m
• Facility: €60m

Increase the bank’s exposure while optimising the financing of a private equity acquisition involving a large client portfolio

France

• Structuring of a factoring and credit insurance program covering a large client portfolio (approximately 30,000 customers)
• Deployment of our ARI Trade platform to manage both factoring and credit insurance programs through a single unified interface
• Planned increase of the financing facility to €70m after one year

• Annual revenue: €8m
• Facility: €1m

Strengthen the coverage of an existing agreement to include the full turnover and secure financing

France

• Implementation of a full factoring program at competitive pricing
• First funding achieved in just one month

• Annual revenue: €30m
• Facility: €6.5m

Support the carve-out of an entity from a group acquired by a private equity fund

The Netherlands

• Sustainable secured financing
• Structuring of a full factoring program

• Annual revenue: €100m
• Facility: €18m

Optimize existing financing arrangements at the request of the new shareholders

Spain

• Securing an amendment to transition the existing program into a non-recourse facility

• Assigned turnover: €1.5bn
• Facility: €180m

Diversify short-term funding sources

France

• Structuring a factoring program with unencumbered (non-pledged) collection accounts
• Deployment of an IFRS derecognised, non-recourse agreement compliant with accounting standards

• Assigned turnover: €525m
• Facility: €70m

Strengthen financial management in a challenging, highly leveraged market environment, while harmonising IT systems and processes and optimising local accounting practices

Belgium, France, Germany, Portugal, The Netherlands, United Kingdom, United States

• Structuring a new credit insurance policy compatible with factor requirements and enabling off-balance sheet treatment of the factoring agreement
• Structuring a 3-year committed, non-recourse factoring program with no financial covenants
• Deployment of ARI Trade to provide consolidated reporting to the corporate team while enabling local teams to manage operations autonomously

• Annual revenue: €1bn
• Facility: €200m

Support growth and diversify funding sources for a carve-out entity resulting from a group recently acquired by a private equity fund

Belgium, Germany, The Netherlands, United Kingdom

• Harmonisation of the pan-European factoring program across all group entities
• Structuring of an IFRS derecognised, non-recourse agreement supported by a delegated credit insurance policy

• Assigned turnover: €12m
• Facility: €1.75m

Secure the financing required for post-acquisition growth by covering increased working capital needs and ensuring short-term liquidity

France

• Implementation of an undisclosed balance assignment program
• Deployment of the ARI Trade platform to reduce operational workload and efficiently manage the program

• Annual revenue: €59m
• Facility: €15m

Unlock additional financing to optimise working capital requirements

France

• Structuring of a non-recourse agreement supported by a delegated credit insurance policy
• €5m additional financing through enhanced credit coverage on a key strategic customer and by mitigating debtor concentration limits within the factoring program

• Assigned turnover: €52m
• Facility: €20m

Rapid implementation of a non-recourse program (a key requirement from the investment fund) while minimising financing costs to protect operating margins

European Union, France, Swiss, United Kingdom

• 4 months from project initiation to first funding
• Negotiation of a competitive factoring offer and validation of off-balance sheet (derecognition) treatment
• Undisclosed receivables assignment, off-balance sheet treatment under French GAAP, including credit insurance coverage
• Deployment of ARI Trade to ensure better integration within the company and its finance team

• Annual revenue: €250m
• Facility: €70m in multi-currency ($ / €)

Structure a global financing framework in Mexico and other geographies to support international growth

Mexico, The Netherlands, United States

• Implementation of a unique solution in the Mexican market with our partner Coface Finanz: a significant volume of assigned turnover under an undisclosed, non-recourse agreement
• No additional covenants were required by the factor