An overdraft, LC, or working capital facility is assessed differently from a term loan — around seasonal cash flow and cycle-servicing ability, not a flat repayment plan.
Not a fixed-schedule loan document
Overdraft, LC, or working capital
Your figures never shared or reused
Overdrafts, letters of credit, and working capital lines are assessed on your business's cash cycle and seasonal fluctuation, not a fixed repayment schedule. A plan built around DSCR alone misses what the bank's trade finance team is actually evaluating.
We frame the assessment around your operating cycle and seasonal fluctuation — the actual basis for facility sizing.
Overdraft, LC, or working capital line each have different purposes and structures — the plan is built around your specific request.
We connect the facility's intended use directly to the operational cycle it's meant to support — clarity banks specifically look for.
Existing facilities and credit exposure are disclosed transparently, avoiding the delays that come from incomplete disclosure.
Cover letter stating the facility type and limit requested.
Valuation & financial assessment with seasonal cash flow.
Asset valuation for facilities offered or held.
Facility type, purpose & tenure, precisely stated.
Security/collateral offered, clearly described.
Existing credit exposure disclosure, transparently presented.
Risk analysis with facility-servicing mitigation.
Revision window included.
Facility type, limit, purpose, and available security.
Seasonal fluctuation and servicing capacity analyzed.
Structured to your bank's trade finance requirements.
Refined and delivered ready to submit.
Every plan is quoted individually — there's no flat rate.
This page covers revolving facilities (overdraft, LC, working capital), assessed on cash-cycle servicing ability. The Bank Loan page covers term loans with a fixed repayment schedule requiring a DSCR.
Yes — letters of credit and trade finance facilities have their own documentation logic, which we build the plan around.
No one can guarantee a bank's credit decision. We focus on presenting your cash-cycle servicing capacity as clearly and credibly as possible.
Yes — share your bank's required format or template and we'll structure the plan to match.
Share your financials and request — we'll take it from here.
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