What is trade and working capital finance?

The day-to-day cash flow solution. This provides short-term funding to bridge the gap between paying suppliers (inventory) and getting paid by customers (receivables). It ensures a company can meet its immediate operating needs (payroll, utilities, etc.) and seize growth opportunities. Common products including Overdraft, Short-Term Loans.

Financing for transactions, especially international trade. This involves instruments like Letters of Credit (LCs) that reduce risk and facilitate the exchange of goods between buyers (importers) and sellers (exporters). It often funds the specific trade cycle, allowing parties to trust the transaction even without knowing each other.

ROLE OF “MAESTRO” A SEASONED FINANCIAL ADVISORY FIRM

MAESTRO a seasoned financial advisory firm acts as a crucial intermediary and expert partner, ensuring SME and Corporate clients secure need-based Working Capital or Trade Finance at a competitive price by following a precise strategy:

• Needs Assessment & Structuring (The “Right Fit”):
  • MAESTRO conducts a deep dive into the client’s cash conversion cycle (the time it takes to turn raw materials into cash) to precisely determine the required type and amount of finance (e.g., is Factoring better than a Letter of Credit?).
  • They structure the entire proposal and presentation package to clearly demonstrate the business’s repayment capacity to potential lenders.
• Market Mapping & Price Negotiation (The “Competitive Price”):
  • MAESTRO leverages its extensive network across multiple banks and non-banking financial companies (NBFCs).
  • MAESTRO maps the client’s profile against the best-suited lenders and simultaneously negotiate with several institutions. This competition drives down the interest rates and fees, securing the most favourable terms (lower cost, flexible tenure).
• Documentation & Process Management (The “Hassle-Free”):
  • MAESTRO prepares and organizes the complex legal, financial, and security documentation, ensuring flawless compliance to prevent delays or rejection.
  • MAESTRO manages the entire application and due diligence process, allowing the company’s management to focus on core business operations instead of spending weeks dealing with banks.

In short, the MAESTRO provides the expertise, market reach, and negotiating power that SMEs and Corporates often lack, transforming a complex, expensive process into a strategic, streamlined, and cost-effective funding solution.