object(WP_Post)#4931 (24) { ["ID"]=> int(14343) ["post_author"]=> string(2) "22" ["post_date"]=> string(19) "2025-10-01 14:07:36" ["post_date_gmt"]=> string(19) "2025-10-01 12:07:36" ["post_content"]=> string(14460) "Voici la traduction en anglais :
Financing the Wood Industry with PrestaFlex
Forestry, sawmills, timber trading, carpentry/joinery/cabinetmaking, panels & derivatives, furniture, pellets/biomass
The wood industry is characterized by strong price cycles, heavy inventories (logs, sawn timber, semi-finished wood) with long drying periods, significant industrial capex (saws, kilns, extraction, CNC) and certification requirements (FSC/PEFC).
PrestaFlex structures solutions from CHF 100,000 to CHF 60 million to secure supply, smooth cash flow, and modernize production facilities.
Your needs, our solutions
A. Cash flow, purchasing & seasonality
Revolving line / seasonal credit
- Tickets: CHF 250k–8m · Tenor: 12–36 months
- Uses: log purchases, stock building before frost/high season, advances during drying.
Inventory financing (ABL)
- Tickets: CHF 500k–20m
- Typical advances (subject to eligibility & turnover):
- Logs: 40–60 %
- Boards/timber under drying (WIP): 40–65 %
- Finished goods (glulam, CLT, panels, joinery products): 50–70 %
- Plus: stock audits, moisture/quality monitoring, haircuts for obsolescence/slow species.
Factoring (B2B, construction, trading, DIY chains)
- Lines: CHF 300k–25m · Advance: 80–90 % net · Typical DSO: 30–75 days
- Options: credit insurance, multi-currency, buyer limits.
Reverse factoring (Supply Chain Finance)
- Capacity: CHF 1–30m · Benefit: accelerated payments to sawmills/suppliers while extending your DPO (60–120 days).
VAT bridge / import duties financing
- Tickets: CHF 100k–7m · Tenor: 1–6 months (peaks of specific wood imports).
B. Capex & industrial modernization
Industrial leasing / finance lease
- Tickets: CHF 300k–12m · Tenor: 3–7 years · LTV: 80–100 % net
- Equipment: sawing lines, kilns, ATEX extraction/filtration systems, 5-axis CNC centers, edgebanders, presses, glulam/CLT lines, nailing/assembly robots.
Capex loan / Term loan
- Tickets: CHF 1–25m · Tenor: 5–10 years
- Projects: workshop expansion, energy modernization, ERP/traceability, automation for heavy timber handling.
Energy & sustainability (green loan/ESCO)
- Tickets: CHF 250k–6m · Payback: 3–6 years
- Uses: biomass boilers from woodchips, heat recovery from kilns, high-efficiency compressors, rooftop solar.
C. Commercial development & international growth
Innovation credit / new products (CLT, timber frames, eco finishes, treatments)
- Tickets: CHF 150k–3m · Tenor: 2–5 years
Trade finance import/export (LC, SBLC, guarantees)
- Capacity: CHF 500k–30m
- Uses: imported species (oak, larch, certified exotics), securing export payments.
E-commerce/D2C financing (kits, furniture, made-to-measure joinery)
- Tickets: CHF 100k–2m · Repayment: % of monthly revenue.
D. External growth & capital transactions
Unitranche / mezzanine
- Tickets: CHF 3–25m · Tenor: 5–7 years
- Uses: regional build-up, MBO/MBI of specialized workshops.
LBO / acquisitions
- Tickets: CHF 5–60m (club deal possible)
- Targets: complementary sawmills, CLT/glulam plants, distribution networks.
Typical benchmarks (wood industry)
- EBITDA margin: 6–15 % (lower end for volume trading; higher end for technical products/CLT).
- Working capital cycle:
- DIO: 60–240 days (up to 270–360 days with long drying/slow species)
- DSO: 30–75 days (construction/civil works/DIY)
- DPO: 30–60 days
- Acceptable leverage: ND/EBITDA 2.0–3.5x (up to 4.0x with strong stock collateral & project visibility).
- Typical advances: factoring 80–90 %, inventory 40–70 %, leasing 80–100 % net.
Quick case studies
Sawmill & drying — high season
- Structure: revolving CHF 2.0m + ABL stocks CHF 4.5m (60 % advance logs/boards)
- Effect: bulk purchases Q1–Q2, drying continuity, supplier discounts captured (–2/–3 %).
Industrial joinery — CNC modernization
- Structure: leasing CHF 3.2m (72 months) for 2x 5-axis CNC centers + ATEX extraction
- Effect: +28 % capacity, scrap rate –1.5 pts, lead times reduced from 6 to 4 weeks.
CLT producer — expansion & energy
- Structure: term loan CHF 6.5m (8 years) + green loan CHF 1.1m (5 years) for biomass boiler & heat recovery
- Effect: kWh/m³ –20 %, gross margin +120 bps, improved competitiveness in tenders.
Timber trading — client WCR stabilization for large projects
- Structure: factoring CHF 5.0m (85 % advance) + single-name limits by contractor
- Effect: DSO reduced from 62 to 48 days, smoothed cash flow without dilution.
PrestaFlex process (fast & pragmatic)
- 360° diagnosis (1–2 weeks): stock mapping (logs/WIP/finished), rotation & drying, margins by line, order book, FX/energy exposure.
- Term sheet: structure, pricing, simple covenants (ND/EBITDA, stock rotation, insurance/ATEX coverage).
- Implementation: securities (pledge of stock/receivables), ERP integration, moisture/quality reporting.
- Proactive monitoring: seasonal limits, extension options, energy/innovation tranches.
Why PrestaFlex for the wood industry
- ABL expertise on long-drying stocks & FSC/PEFC-certified supply chains.
- Multi-bank & private debt access for tickets from CHF 100,000 to CHF 60m.
- ROI-driven approach: every financed franc must improve cash, margin, or industrial competitiveness.
Book an initial meeting
Tell us about your stock profile (logs/boards/finished goods), client payment terms and key capex priorities: we will provide you with a tailored, modular financing structure aligned with your industrial plan and seasonality.
Contact PrestaFlex now:
- Email: info@prestaflex.ch
- Phone: +41 26 323 11 30
- Form: https://prestaflex.ch/en/contact/
An article by Munur Aslan, Director of PrestaFlex
" ["post_title"]=> string(40) "Business financing for the wood industry" ["post_excerpt"]=> string(0) "" ["post_status"]=> string(7) "publish" ["comment_status"]=> string(6) "closed" ["ping_status"]=> string(6) "closed" ["post_password"]=> string(0) "" ["post_name"]=> string(40) "business-financing-for-the-wood-industry" ["to_ping"]=> string(0) "" ["pinged"]=> string(0) "" ["post_modified"]=> string(19) "2025-10-01 14:07:38" ["post_modified_gmt"]=> string(19) "2025-10-01 12:07:38" ["post_content_filtered"]=> string(0) "" ["post_parent"]=> int(0) ["guid"]=> string(30) "https://prestaflex.ch/?p=14343" ["menu_order"]=> int(0) ["post_type"]=> string(4) "post" ["post_mime_type"]=> string(0) "" ["comment_count"]=> string(1) "0" ["filter"]=> string(3) "raw" }
Voici la traduction en anglais :
Financing the Wood Industry with PrestaFlex
Forestry, sawmills, timber trading, carpentry/joinery/cabinetmaking, panels & derivatives, furniture, pellets/biomass
The wood industry is characterized by strong price cycles, heavy inventories (logs, sawn timber, semi-finished wood) with long drying periods, significant industrial capex (saws, kilns, extraction, CNC) and certification requirements (FSC/PEFC).
PrestaFlex structures solutions from CHF 100,000 to CHF 60 million to secure supply, smooth cash flow, and modernize production facilities.
Your needs, our solutions
A. Cash flow, purchasing & seasonality
Revolving line / seasonal credit
- Tickets: CHF 250k–8m · Tenor: 12–36 months
- Uses: log purchases, stock building before frost/high season, advances during drying.
Inventory financing (ABL)
- Tickets: CHF 500k–20m
- Typical advances (subject to eligibility & turnover):
- Logs: 40–60 %
- Boards/timber under drying (WIP): 40–65 %
- Finished goods (glulam, CLT, panels, joinery products): 50–70 %
- Plus: stock audits, moisture/quality monitoring, haircuts for obsolescence/slow species.
Factoring (B2B, construction, trading, DIY chains)
- Lines: CHF 300k–25m · Advance: 80–90 % net · Typical DSO: 30–75 days
- Options: credit insurance, multi-currency, buyer limits.
Reverse factoring (Supply Chain Finance)
- Capacity: CHF 1–30m · Benefit: accelerated payments to sawmills/suppliers while extending your DPO (60–120 days).
VAT bridge / import duties financing
- Tickets: CHF 100k–7m · Tenor: 1–6 months (peaks of specific wood imports).
B. Capex & industrial modernization
Industrial leasing / finance lease
- Tickets: CHF 300k–12m · Tenor: 3–7 years · LTV: 80–100 % net
- Equipment: sawing lines, kilns, ATEX extraction/filtration systems, 5-axis CNC centers, edgebanders, presses, glulam/CLT lines, nailing/assembly robots.
Capex loan / Term loan
- Tickets: CHF 1–25m · Tenor: 5–10 years
- Projects: workshop expansion, energy modernization, ERP/traceability, automation for heavy timber handling.
Energy & sustainability (green loan/ESCO)
- Tickets: CHF 250k–6m · Payback: 3–6 years
- Uses: biomass boilers from woodchips, heat recovery from kilns, high-efficiency compressors, rooftop solar.
C. Commercial development & international growth
Innovation credit / new products (CLT, timber frames, eco finishes, treatments)
- Tickets: CHF 150k–3m · Tenor: 2–5 years
Trade finance import/export (LC, SBLC, guarantees)
- Capacity: CHF 500k–30m
- Uses: imported species (oak, larch, certified exotics), securing export payments.
E-commerce/D2C financing (kits, furniture, made-to-measure joinery)
- Tickets: CHF 100k–2m · Repayment: % of monthly revenue.
D. External growth & capital transactions
Unitranche / mezzanine
- Tickets: CHF 3–25m · Tenor: 5–7 years
- Uses: regional build-up, MBO/MBI of specialized workshops.
LBO / acquisitions
- Tickets: CHF 5–60m (club deal possible)
- Targets: complementary sawmills, CLT/glulam plants, distribution networks.
Typical benchmarks (wood industry)
- EBITDA margin: 6–15 % (lower end for volume trading; higher end for technical products/CLT).
- Working capital cycle:
- DIO: 60–240 days (up to 270–360 days with long drying/slow species)
- DSO: 30–75 days (construction/civil works/DIY)
- DPO: 30–60 days
- Acceptable leverage: ND/EBITDA 2.0–3.5x (up to 4.0x with strong stock collateral & project visibility).
- Typical advances: factoring 80–90 %, inventory 40–70 %, leasing 80–100 % net.
Quick case studies
Sawmill & drying — high season
- Structure: revolving CHF 2.0m + ABL stocks CHF 4.5m (60 % advance logs/boards)
- Effect: bulk purchases Q1–Q2, drying continuity, supplier discounts captured (–2/–3 %).
Industrial joinery — CNC modernization
- Structure: leasing CHF 3.2m (72 months) for 2x 5-axis CNC centers + ATEX extraction
- Effect: +28 % capacity, scrap rate –1.5 pts, lead times reduced from 6 to 4 weeks.
CLT producer — expansion & energy
- Structure: term loan CHF 6.5m (8 years) + green loan CHF 1.1m (5 years) for biomass boiler & heat recovery
- Effect: kWh/m³ –20 %, gross margin +120 bps, improved competitiveness in tenders.
Timber trading — client WCR stabilization for large projects
- Structure: factoring CHF 5.0m (85 % advance) + single-name limits by contractor
- Effect: DSO reduced from 62 to 48 days, smoothed cash flow without dilution.
PrestaFlex process (fast & pragmatic)
- 360° diagnosis (1–2 weeks): stock mapping (logs/WIP/finished), rotation & drying, margins by line, order book, FX/energy exposure.
- Term sheet: structure, pricing, simple covenants (ND/EBITDA, stock rotation, insurance/ATEX coverage).
- Implementation: securities (pledge of stock/receivables), ERP integration, moisture/quality reporting.
- Proactive monitoring: seasonal limits, extension options, energy/innovation tranches.
Why PrestaFlex for the wood industry
- ABL expertise on long-drying stocks & FSC/PEFC-certified supply chains.
- Multi-bank & private debt access for tickets from CHF 100,000 to CHF 60m.
- ROI-driven approach: every financed franc must improve cash, margin, or industrial competitiveness.
Book an initial meeting
Tell us about your stock profile (logs/boards/finished goods), client payment terms and key capex priorities: we will provide you with a tailored, modular financing structure aligned with your industrial plan and seasonality.
Contact PrestaFlex now:
- Email: info@prestaflex.ch
- Phone: +41 26 323 11 30
- Form: https://prestaflex.ch/en/contact/
An article by Munur Aslan, Director of PrestaFlex