Our case studies

• 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

• Annual revenue: £1.5bn
• Financing facility: £85m

Adapt the financing structure to a deteriorated construction market by addressing the incompatibility of the Excess of Loss insurance credit policy with off-balance sheet treatment

United Kingdom

• Structuring of a credit insurance policy compatible with off-balance sheet treatment
• Implementation of a non-recourse factoring agreement with no financial covenants
• Deployment of the ARI Trade software to optimise financing and operational efficiency

• Assigned turnover: €60m
• Facility: €13m

Optimise financing capacity by enhancing guarantee coverage and structuring an IFRS derecognised factoring solution with a new partner

France

• Implementation of credit insurance policies to optimise financing, unlocking an additional €4.5m in funding, and establishment of an IFRS derecognised factoring facility
• Deployment of the ARI Trade platform to manage the factoring agreement and credit insurance policy, enabled through API connectivity with the insurer

• Assigned turnover: €118m
• Facility: €60m

Harmonise systems, processes, and decentralised accounting management to efficiently absorb high volumes of customers and invoices

France, Italy

• Renegotiation of the existing credit insurance policy
• Implementation of an IFRS derecognised factoring program under highly favourable financial terms
• Deployment of the ARI Trade platform to facilitate operational management across local subsidiaries

• Annual revenue: €15m
• Facility: €4m

Enable the integration and financing of the acquisition before the end of 2025, while aligning the new entity with the group’s favourable financing terms

Italy

• €4m increase in the credit facility
• Securing the same pricing conditions as the group following intensive negotiations

• Assigned turnover: €15m
• Facility: uncapped

Secure the financing required to support increased working capital needs in the context of a private equity fund intervention in a special situation

France

• Implementation of a factoring agreement at a highly competitive cost (1.1% per annum), which is uncommon for this industry
• Integration of 3 French entities

• Assigned turnover: €72m
• Facility: €32m

Secure, by the end of 2025, a new factoring partner and a $15m financing facility in Mexico for a standalone entity, aligned with the existing setup in Europe and the United States

Mexico

• Increase USD liquidity by $15m by end of 2025
• Establish a lower-cost funding source compared to local currency, together with a revolving credit facility
• Deployment of the ARI solution to optimise management of the entity operating with two different ERP systems across two sites

• Assigned turnover: $450m
• Facility: $60m

Secure growth financing following a recent LBO acquisition, in a challenging market environment

The Netherlands, United Kingdom, United States

• Structuring of a tailored non-recourse factoring program
• Implementation of a green factoring solution aligned with the group’s ESG key performance indicators