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How funding can work
Four illustrative examples showing how different finance structures can address common business requirements.
Food production
A UK food producer and distributor supplied packaged products to national retailers on payment terms of up to 90 days. Waiting 90 days for payment was having a major impact on its cash flow. Invoice finance released up to 85% of eligible invoices shortly after issue, providing working capital for ingredients, packaging and production.
Invoice finance
International trade
A trading business needed to purchase imported goods, but its overseas suppliers required payment upfront and would not offer credit terms. A revolving trade-finance facility allowed 100% of approved supplier invoices to be paid, ensuring the right level of stock was on hand to service its customers. The facility was repaid and reused as goods were sold.
Trade finance
Engineering
An established engineering business manufactured specialist components for UK and international customers. A three-year asset-based package released equity tied up in its machinery and provided revolving working capital to support expansion into new markets.
Asset-based lending
Business services
An established business had several facilities with different repayment dates and limited remaining capacity. Its borrowing was refinanced into a more manageable structure, creating additional headroom and clearer repayment terms.
Refinancing and restructuringThese are example funding scenarios, not transactions completed by Northstar Funding. Funding is subject to status, lender criteria, satisfactory due diligence and formal approval. Products, rates, fees and security requirements vary.
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