Align business funding with the operating cycle
SNV Consultancy Services assists MSMEs and established businesses with working-capital assessment, CMA projections and documentation for cash-credit, overdraft and eligible short-term business facilities.
We analyse how cash moves through inventory, production, sales, receivables and supplier payments so the funding request reflects a genuine operating requirement.
Understand where funds are tied up in the business
Inventory Cycle
Raw material, work in progress and finished-goods holding based on procurement, production and sales patterns.
Receivables Cycle
Customer credit terms, collection history, ageing, concentration and realistic debtor days.
Supplier Credit
Normal creditor days, advance-payment requirements and the stability of trade-credit arrangements.
Operating Expenses
Payroll, rent, utilities, statutory payments and other recurring costs that must be funded through the cycle.
Seasonality and Growth
Peak-month requirements, confirmed orders, capacity ramp-up and the additional cash required for expected turnover.
Existing Bank Facilities
Current limits, utilisation, drawing power, account conduct and facility terms affecting the proposed assessment.
CMA data and projections supported by operating assumptions
- Historical and projected turnover
- Profitability and gross-margin assumptions
- Projected balance sheet and cash flow
- Inventory, receivable and payable levels
- Working-capital gap and bank-finance assessment
- Current ratio and key financial indicators
- Month-wise or seasonal cash requirement where relevant
- Existing limits, obligations and proposed enhancement
Working-capital requirements differ by business model
Cash Credit or Overdraft
Assessment for regular operating needs where funding varies with eligible current assets and business activity.
Limit Enhancement
Justification based on sales growth, changed credit terms, confirmed orders, capacity and operating-cycle movement.
New Business or Division
Projection-led assessment using realistic ramp-up, inventory, customer credit and supplier-payment assumptions.
Seasonal or Order-based Requirement
Cash-flow planning for peak procurement, large orders or temporary operating-cycle pressure, subject to lender products.
From working-capital cycle to lender submission
1. Review
Understand turnover, margins, operating cycle, banking and the reason for the requirement.
2. Analyse
Assess inventory, receivables, creditors, expenses and cash-flow gaps.
3. Prepare
Develop projections, CMA data, ratio analysis and the application document set.
4. Coordinate
Support lender queries and clarify assumptions during appraisal.
Is business growth increasing your cash requirement?
Share the latest financials, bank limits, stock and debtor information, expected turnover and funding purpose for an initial review.