Business financing & credit insurance with PrestaFlex

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More cash. Less risk. Faster growth.



Why combine financing & trade credit insurance (the decisive edge)




Immediate leverage: insured receivables = higher advance rates (up to 90%) and optimised cost.



Shorter DSO: cash at D+2 instead of D+45/90 → lighter working capital, shorter cash-to-cash cycle.



Counterparty risk neutralised: client default indemnified, lower margin volatility.



Banks reassured: better-rated assets, easier confirmed lines, covenants under control.





Result: available cash, greater investment capacity, zero dilution.




Our solutions, tuned to your working capital



1) Factoring / Invoice Finance (notified, confidential, export)




Advance 70–90% per invoice, balance on collection.



Non-recourse possible with credit insurance → risk transferred.



Semantic variants: factoring, receivables finance, AR finance, customer-receivables financing.




2) ABL – Asset-Based Lending (AR + inventory)




Dynamic borrowing base: 85% eligible AR + 40–60% eligible inventory − reserves (dilution, concentration).



Ideal for industry/commerce with strong seasonality.




3) Revolving working-capital line & committed overdraft




On-demand draws indexed to SARON + margin, without recurring paperwork.




4) Leasing & Sale-and-Leaseback




Free up tied cash (machinery, vehicles, IT) without stopping production.




5) Bridge / Mezzanine / Unitranche




Bridge a gap (acquisition, MBO, capex) without equity dilution.




6) Integrated trade credit insurance




Limits per customer, continuous scoring, prevention & indemnification (domestic/export).



Aligns insurer, factor and bank to maximise advances.




How it works (simple & fast)




Rapid diagnostic (48–72h): AR ageing, top debtors, DSO, anti-assignment clauses, dilution rate.



Clear term sheet: caps, advance rates by debtor, notified/confidential, with/without recourse, pricing.



Implementation (5–10 days): assignment/novation, lockbox, ERP/API flows, connected credit-insurance policy.



Run & scale: D+1/D+2 funding, dynamic caps, continuous cost/advance optimisation.




Use cases with numbers (concrete)



1) Immediate cash + neutralised risk




Insured receivables: CHF 500,000 (60-day terms) → 85–90% advance = CHF 425–450k within 48h.



Period cost (indicative): ≈ 1.6–2.4%.



Impact: payroll & suppliers funded, bad debt covered, “perceived” DSO cut.




2) ABL to absorb a peak




Eligible AR CHF 3.0M (× 85%) = 2.55M



Eligible inventory CHF 1.2M (× 50%) = 0.6M



Reserves 0.1M → Availability ≈ 3.05M



Impact: raw materials + production financed without bank pressure.




3) Self-funding operation




Assigned/month CHF 1.0M, average draw CHF 0.8M.



2% supplier discount at D+10 = CHF 20k.



Cost 50 days at 5% + fees ≈ CHF 7.5k.



Net gain ≈ CHF 12.5k/month while strengthening the supply chain.




What you gain (measurable, controllable)




Liquidity: more immediate cash (AR advance, revolving line, ABL).



Margin: fewer write-offs + more early-payment discounts.



Governance: audit-ready reporting on DSO / dilution / concentration.



Peace of mind: domestic + export cover, compliance audit-ready.




PrestaFlex, independent partner (CHF 100,000 to 60M)




A single, results-driven point of contact.



Access to banking & non-bank solutions often unavailable directly.



Bespoke structuring: factoring, ABL, leasing, mezzanine, integrated trade credit insurance.




Take action: send your AR ageing + top-20 debtors.
You’ll receive a quantified simulation (advance rates by debtor, facility cap, estimated cost) and a rollout schedule to finance today what you’ll sell tomorrow.



An article by Munur Aslan Direcror of PrestaFlex





  
  

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More cash. Less risk. Faster growth.

Why combine financing & trade credit insurance (the decisive edge)

Immediate leverage: insured receivables = higher advance rates (up to 90%) and optimised cost.
Shorter DSO: cash at D+2 instead of D+45/90 → lighter working capital, shorter cash-to-cash cycle.
Counterparty risk neutralised: client default indemnified, lower margin volatility.
Banks reassured: better-rated assets, easier confirmed lines, covenants under control.

Result: available cash, greater investment capacity, zero dilution.

Our solutions, tuned to your working capital

1) Factoring / Invoice Finance (notified, confidential, export)

Advance 70–90% per invoice, balance on collection.
Non-recourse possible with credit insurance → risk transferred.
Semantic variants: factoring, receivables finance, AR finance, customer-receivables financing.

2) ABL – Asset-Based Lending (AR + inventory)

Dynamic borrowing base: 85% eligible AR + 40–60% eligible inventory − reserves (dilution, concentration).
Ideal for industry/commerce with strong seasonality.

3) Revolving working-capital line & committed overdraft

On-demand draws indexed to SARON + margin, without recurring paperwork.

4) Leasing & Sale-and-Leaseback

Free up tied cash (machinery, vehicles, IT) without stopping production.

5) Bridge / Mezzanine / Unitranche

Bridge a gap (acquisition, MBO, capex) without equity dilution.

6) Integrated trade credit insurance

Limits per customer, continuous scoring, prevention & indemnification (domestic/export).
Aligns insurer, factor and bank to maximise advances.

How it works (simple & fast)

Rapid diagnostic (48–72h): AR ageing, top debtors, DSO, anti-assignment clauses, dilution rate.
Clear term sheet: caps, advance rates by debtor, notified/confidential, with/without recourse, pricing.
Implementation (5–10 days): assignment/novation, lockbox, ERP/API flows, connected credit-insurance policy.
Run & scale: D+1/D+2 funding, dynamic caps, continuous cost/advance optimisation.

Use cases with numbers (concrete)

1) Immediate cash + neutralised risk

Insured receivables: CHF 500,000 (60-day terms) → 85–90% advance = CHF 425–450k within 48h.
Period cost (indicative): ≈ 1.6–2.4%.
Impact: payroll & suppliers funded, bad debt covered, “perceived” DSO cut.

2) ABL to absorb a peak

Eligible AR CHF 3.0M (× 85%) = 2.55M
Eligible inventory CHF 1.2M (× 50%) = 0.6M
Reserves 0.1M → Availability ≈ 3.05M
Impact: raw materials + production financed without bank pressure.

3) Self-funding operation

Assigned/month CHF 1.0M, average draw CHF 0.8M.
2% supplier discount at D+10 = CHF 20k.
Cost 50 days at 5% + fees ≈ CHF 7.5k.
Net gain ≈ CHF 12.5k/month while strengthening the supply chain.

What you gain (measurable, controllable)

Liquidity: more immediate cash (AR advance, revolving line, ABL).
Margin: fewer write-offs + more early-payment discounts.
Governance: audit-ready reporting on DSO / dilution / concentration.
Peace of mind: domestic + export cover, compliance audit-ready.

PrestaFlex, independent partner (CHF 100,000 to 60M)

A single, results-driven point of contact.
Access to banking & non-bank solutions often unavailable directly.
Bespoke structuring: factoring, ABL, leasing, mezzanine, integrated trade credit insurance.

Take action: send your AR ageing + top-20 debtors.
You’ll receive a quantified simulation (advance rates by debtor, facility cap, estimated cost) and a rollout schedule to finance today what you’ll sell tomorrow.

An article by Munur Aslan Direcror of PrestaFlex

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Business financing & credit insurance with PrestaFlex

Why combine financing & trade credit insurance (the decisive edge)

Our solutions, tuned to your working capital

1) Factoring / Invoice Finance (notified, confidential, export)

2) ABL – Asset-Based Lending (AR + inventory)

3) Revolving working-capital line & committed overdraft

4) Leasing & Sale-and-Leaseback

5) Bridge / Mezzanine / Unitranche

6) Integrated trade credit insurance

How it works (simple & fast)

Use cases with numbers (concrete)

What you gain (measurable, controllable)

PrestaFlex, independent partner (CHF 100,000 to 60M)

Why combine financing & trade credit insurance (the decisive edge)

Our solutions, tuned to your working capital

1) Factoring / Invoice Finance (notified, confidential, export)

2) ABL – Asset-Based Lending (AR + inventory)

3) Revolving working-capital line & committed overdraft

4) Leasing & Sale-and-Leaseback

5) Bridge / Mezzanine / Unitranche

6) Integrated trade credit insurance

How it works (simple & fast)

Use cases with numbers (concrete)

What you gain (measurable, controllable)

PrestaFlex, independent partner (CHF 100,000 to 60M)

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