In the complex ecosystem of modern business, cash flow is king.
Even highly profitable companies can face liquidity bottlenecks when their capital is trapped in inventory, equipment, or outstanding purchase orders. At PrestaFlex, we specialize in unlocking this hidden potential through inventory financing, asset-based lending, and purchase order (PO) financing — solutions that convert balance-sheet assets into working capital.
1. Financing the inventory and working assets
Inventory often represents one of the largest components of a company’s current assets. Whether you manage industrial materials, finished goods, or distribution stock, this capital is immobilized until the products are sold.
Through inventory financing, PrestaFlex structures loans or credit lines secured by this stock, providing immediate liquidity while maintaining ownership of the goods.
This allows companies to fund operations, pay suppliers, or invest in growth without selling core assets.
Typical use cases include:
Manufacturing and wholesale firms with seasonal demand cycles.
Trading companies holding large volumes of commodities or spare parts.
Retailers needing to pre-finance upcoming sales campaigns.
2. Asset-based lending on fixed equipment and immobilized assets
Beyond circulating assets, companies also hold fixed assets — machinery, vehicles, or technical equipment — that can serve as collateral.
Through asset-based lending (ABL), PrestaFlex leverages these tangible resources to build a flexible credit line proportional to their appraised value.
The advantage lies in transforming depreciation into liquidity: instead of idle value on a balance sheet, assets become an active financial tool.
This approach often complements leasing or sale-and-leaseback strategies, releasing trapped capital while preserving operational use.
3. Purchase and order financing — supporting growth before invoicing
Many firms secure large contracts but lack the upfront cash to fulfill them.
Purchase Order Financing bridges this gap. PrestaFlex arranges short-term funding based on confirmed purchase orders or letters of intent from reliable clients.
Funds are advanced to cover production, sourcing, or logistics, and repaid once the client settles the invoice.
It’s a vital tool for fast-growing SMEs, allowing them to accept new business without liquidity stress.
This model reinforces relationships along the supply chain: suppliers are paid on time, customers receive their goods, and the company maintains a healthy cash cycle.
4. The strategic advantage
Combining inventory, asset-based, and purchase order financing provides a holistic working-capital architecture.
It diversifies funding sources beyond traditional bank credit and stabilizes liquidity through all market conditions.
At PrestaFlex, our role is to analyze each company’s asset composition, evaluate real collateral value, and design tailored hybrid solutions blending short-term credit, mezzanine, or equity instruments when needed.
5. From assets to agility
Liquidity isn’t just a financial metric — it’s a strategic advantage.
By transforming stock, materials, and equipment into active capital, businesses gain the flexibility to react, invest, and expand.
This approach aligns perfectly with PrestaFlex’s vision: enabling entrepreneurs to convert potential into performance through innovative financing.
PrestaFlex — Your trusted partner for working capital and asset-backed financing in Switzerland and Europe.
An article by Munur Aslan, Managing Director at PrestaFlex
In the complex ecosystem of modern business, cash flow is king.
Even highly profitable companies can face liquidity bottlenecks when their capital is trapped in inventory, equipment, or outstanding purchase orders. At PrestaFlex, we specialize in unlocking this hidden potential through inventory financing, asset-based lending, and purchase order (PO) financing — solutions that convert balance-sheet assets into working capital.
1. Financing the inventory and working assets
Inventory often represents one of the largest components of a company’s current assets. Whether you manage industrial materials, finished goods, or distribution stock, this capital is immobilized until the products are sold.
Through inventory financing, PrestaFlex structures loans or credit lines secured by this stock, providing immediate liquidity while maintaining ownership of the goods.
This allows companies to fund operations, pay suppliers, or invest in growth without selling core assets.
Typical use cases include:
Manufacturing and wholesale firms with seasonal demand cycles.
Trading companies holding large volumes of commodities or spare parts.
Retailers needing to pre-finance upcoming sales campaigns.
2. Asset-based lending on fixed equipment and immobilized assets
Beyond circulating assets, companies also hold fixed assets — machinery, vehicles, or technical equipment — that can serve as collateral.
Through asset-based lending (ABL), PrestaFlex leverages these tangible resources to build a flexible credit line proportional to their appraised value.
The advantage lies in transforming depreciation into liquidity: instead of idle value on a balance sheet, assets become an active financial tool.
This approach often complements leasing or sale-and-leaseback strategies, releasing trapped capital while preserving operational use.
3. Purchase and order financing — supporting growth before invoicing
Many firms secure large contracts but lack the upfront cash to fulfill them.
Purchase Order Financing bridges this gap. PrestaFlex arranges short-term funding based on confirmed purchase orders or letters of intent from reliable clients.
Funds are advanced to cover production, sourcing, or logistics, and repaid once the client settles the invoice.
It’s a vital tool for fast-growing SMEs, allowing them to accept new business without liquidity stress.
This model reinforces relationships along the supply chain: suppliers are paid on time, customers receive their goods, and the company maintains a healthy cash cycle.
4. The strategic advantage
Combining inventory, asset-based, and purchase order financing provides a holistic working-capital architecture.
It diversifies funding sources beyond traditional bank credit and stabilizes liquidity through all market conditions.
At PrestaFlex, our role is to analyze each company’s asset composition, evaluate real collateral value, and design tailored hybrid solutions blending short-term credit, mezzanine, or equity instruments when needed.
5. From assets to agility
Liquidity isn’t just a financial metric — it’s a strategic advantage.
By transforming stock, materials, and equipment into active capital, businesses gain the flexibility to react, invest, and expand.
This approach aligns perfectly with PrestaFlex’s vision: enabling entrepreneurs to convert potential into performance through innovative financing.
PrestaFlex — Your trusted partner for working capital and asset-backed financing in Switzerland and Europe.
An article by Munur Aslan, Managing Director at PrestaFlex
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