Working capital that keeps you ahead.
Fast and confident growth requires capital to stay ahead. We combine different working capital solutions around your business and the moves you are planning, with a dedicated partner who understands your needs and prepares with you.
Built for where you are going.
Every growth plan has a point where capital has to arrive before the revenue does. Production needs to increase, stock needs to be secured or a new market needs to be established, while the return on those investments is still ahead.
We start with your plans and how money moves through your business, then combine the working capital solutions that support them. Factoring, a complementary credit line and structured working capital finance could be used together to meet needs at different stages of growth.
Solutions
Three solutions, shaped around your ambition.
1. Factoring
Release capital from your customer invoices, so you can put it to work in your business while you wait for payment.
- Access to capital from eligible customer invoices.
- Financing that can grow with your invoicing.
- A structure shaped around your business and customers.
For businesses with annual B2B invoicing.
2. Complementary credit line
Additional working capital alongside factoring, helping you prepare for inventory needs and seasonal changes in demand.
- Complements your factoring arrangement.
- Supports inventory and seasonal working capital needs.
- Limits reviewed as your business and plans develop.
For businesses whose growth or seasonal activity creates working capital needs beyond their customer invoices.
3. Structured working capital finance.
Some plans create working capital needs that require a more tailored approach. We structure financing around the contracts, payment flows and business changes involved.
- Order and production finance linked to confirmed contracts.
- Financing against eligible platform and marketplace payouts.
- Solutions combined to meet the needs of each business.
Talk to us about your plans and the working capital they require.
How we work
A partner who plans ahead with you.
One dedicated partner.
Your Flow Partner takes the time to understand your business and brings the right people together to move the process forward. You have a clear point of contact and a clear view of the steps towards a financing decision.
Clarity behind every decision.
We explain how the proposed financing works, what it costs and how it affects your business. You have the information you need to assess the structure and discuss it with your board and advisers.
Your business. Your direction.
You set the direction of your business. We work with you to prepare the financing that supports it, with clear terms and a shared understanding of your working capital needs.
Combinations
Different plans. The right combination.
A larger contract, a seasonal peak or a new market can change when your business needs capital. We combine our solutions around those needs and work with you to prepare the financing in advance.
Stepping up to a larger contract
A larger order can require more working capital before you are ready to invoice. Order finance can support production, with factoring releasing capital from eligible invoices once the work is delivered.
Preparing for a seasonal peak.
Stock and production often need to increase before seasonal revenue arrives. A complementary credit line can support that preparation, with factoring releasing capital from invoices as sales develop.
Preparing for the next stage of growth
Growth can require more stock and increased production before you are ready to invoice. We combine working capital solutions to support those needs, with financing for orders and inventory ahead of delivery, followed by factoring that releases capital from eligible customer invoices.
Entering a new market
A new market can bring different payment terms and new working capital demands. Your Flow Partner helps assess those needs and explores how our solutions can support your business in the markets where we operate.
Cases
Ambition in motion.
Putting more satellites into orbit
With revenue tripling to approximately EUR 23 million in sixteen months, 1000 Satellites needs capital to stay ahead of its expansion. Flow & Partners provides working capital financing to support its growing network of workspaces across Germany.
We put the vision On rail
OnRail replaces around 100,000 truck journeys a year by moving freight from road to rail. Flow & Partners provides working capital financing to support its continued growth.
Let’s talk about your plans.
Oscar Bokvist
Head of sales
