UGNA Core Expertise
More than loan sourcing — better working-capital management.
OD/CC structuring, renewal, enhancement, drawing power, CMA, stock/debtor statements, working-capital gaps and ongoing banking coordination.
OD
OD / CC Structuring
Assess facility type, operating cycle and borrowing need.
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Limit Enhancement
Prepare the financial and operational story behind a higher working-capital need.
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Renewal Management
Plan documents, statements and financial data before renewal due dates.
DP
Drawing Power
Support stock/debtor statement understanding and DP-related documentation.
Financial Readiness
What UGNA can review
- Working-capital gap
- Inventory and receivable cycle
- Cash flow / fund flow
- Financial ratios
- CMA / projections
- Existing banking facilities
- Renewal and enhancement readiness
Prepare before the bank asksWorking-capital management should be proactive, not renewal-day firefighting.
Continuous Credit Management
A working-capital facility should evolve with the business.
Sales growth, debtor days, inventory cycles, drawing power, renewals and lender covenants change over time. UGNA can help keep the information and banking conversation organised.
Before renewalPlan documents early
When business growsReview enhancement need
Monthly / periodicTrack DP inputs
When stress appearsReview cash-flow gap
Operating Cycle
What a working-capital review should connect
01Sales
Turnover and seasonality.
02Receivables
Debtor ageing and collection cycle.
03Inventory
Stock holding and business cycle.
04Banking
Limit use, account conduct and renewal readiness.