working capital financing

As a medium-sized entrepreneur, you know better than anyone how dynamic your business operates. And that working capital is your lifeline to growth and continuity. You may need it to absorb seasonal peaks, pre-finance a large order or optimise your debtor management. The right working capital financing then makes all the difference. Many entrepreneurs stare blindly at the interest rate. While the crucial details are often hidden in the financing contract. Indeed, in the small print!

The past two years have marked a crucial turning point in the funding market. After a period of restraint, the major Dutch banks are again showing renewed growth in their corporate lending. However, this growth goes hand in hand with a fundamental change in role and selectivity.

Many entrepreneurs recognise it: you want to grow, innovate or simply keep your business running, but financing is a stumbling block. The first thought often goes to the bank. Logical, as that has been the place for business financing for years. But in practice, a single source of financing often no longer suffices. Especially in a rapidly changing economy. The solution? Smart combining, or 'stacking finance'.

In the dynamic world of the paper and board industry, where flexibility and quick adjustments to market demand are crucial, a leading producer of specialist paper and board recently faced a challenge. A combination of a growing order book and necessary investments in advanced production technology created an acute need for additional working capital.

Good cash flow planning helps ensure that your business has enough cash to meet operational needs, such as paying salaries, suppliers, taxes and debts. It also helps identify and capitalise on growth opportunities, such as investing in new equipment, expanding into new markets or launching new products. Good cash flow planning is also indispensable to avoid or mitigate risks such as cash shortages, liquidity problems or insolvency. It is an essential process for any business, from small start-up to large enterprise!

Working capital is an important topic in the financial world, especially for companies striving for growth and stability. But what exactly does it mean and why is it so important? In this article, we dive deeper into the definition of working capital and the role it plays in a company's financial management.

Dstrezzed is a menswear brand targeting the modern adventurous man who values comfort and quality. The company was founded more than a decade ago by Eric Aarden, and now his son Teun also joins the company. They are supported by a strong management team.

In today's times, the average entrepreneur has enough on his or her mind. Aftermath of the corona era, the war in Ukraine resulting in sharply increased energy and raw material costs. Not to mention the uncertainty of how the new cabinet's plans will affect business. Here, we almost forget the tightening labour market and sharply increased personnel costs. And then you also have to make sure your business is or stays well-financed.

In today's times, the average entrepreneur has enough on his or her mind. Aftermath of the corona era, the war in Ukraine resulting in sharply increased energy and raw material costs. Not to mention the uncertainty of what the impact on business will be of the new cabinet's plans (if we can even call it that). To this, we almost forget the labour market tightness and sharply increased personnel costs. And then you also have to make sure your business is or stays well-financed.

You prefer to work as efficiently and effectively as possible. Always have a good overview of your customers, your limits, your coverage and your claims. But how do you easily ensure that you are always up-to-date on your customers' creditworthiness and payment behaviour?