Skip to content

Liquidity & supplier support

Businesses with a strong asset base, strategically important supplier relationships, and a low quick ratio, need incremental liquidity to support business growth.

Strong businesses that improve their liquidity with flexible working capital solutions are more nimble, especially when their success is directly tied to the success of smaller supplier partners.

Strengthen supply base

Stronger relationships with suppliers and contractors can accelerate growth, offering successful businesses both security and negotiating power.

Improve quick ratio

When an organization has a large number of assets and strong balance sheet, but negative cash flow, the banks may consider the business high risk.

Cash conversion cycle

Working capital is key for businesses with a long cash conversion cycle, who often find plans and business activities restricted by their cash position.

Supplier illiquidity

Businesses rely on a large number of much smaller suppliers, and may find growth is limited by supplier illiquidity. Let us help you to address this market inefficiency.

Innervation Finance understands the importance of liquidity to businesses across a huge number of sectors, from wholesale to construction, retail to professional services.

Increased liquidity for strong businesses

1

We look at more than your P&L

Our team of industry experts will look beyond your financial statements and credit profile, and understand that a long or negative cash conversion cycle should not necessarily be a barrier to growth.

2

Much more than a bank

Like you, we’re a growing business ourselves. InnervationSCF® complements existing funding for ambitious businesses that are limited by their cash position.

3

Realize your growth potential

Leverage InnervationSCF® to pay suppliers early to support growth within your existing supply base, and reach out to new suppliers with a unique proposition.

Remove liquidity-related barriers to growth with InnervationSCF®

We understand that illiquidity limits your potential to grow
  • When sales are growing consistently year on year, a negative cash conversion ratio can be deeply frustrating.
  • Our working capital experts will take the time to understand your business structure, operations and ambitions.
  • We work with many retail, construction, education, wholesalers and manufacturing businesses with long cash conversion cycles. Our experience can help you grow.
  • We will work with you to design an InnervationSCF® solution that sits gently alongside your existing banking relationships.
Traditional Trade finance has changed
  • Letters of credit and bills of exchange have their place, acting as a guarantee from a bank that your suppliers will receive a payment you owe them.
  • But they do not accelerate supplier payments, improve your working capital position, or offer your business any competitive advantage.
  • Our interest rates are much more competitive than may be available on a revolving cash facility, with no tie-ins, no exit fees and no fuss.

When sales are growing consistently year on year, a negative cash conversion ratio can be deeply frustrating.

We love to work with businesses that rely on a large number of smaller suppliers, especially MWBE and local market suppliers and subcontractors, perhaps spread across the globe, for whom strengthening those relationships, and making new ones, is the route to business growth.

Large, complex, and global businesses thrive with improved supplier relationships

We work across every industry sector
  • We love to work with businesses that rely on a large number of smaller suppliers, perhaps international, for whom strengthening relationships and making new ones, is the route to business growth.
  • We understand that there are some very strong businesses trading around the world today, for whom traditional financing options are either inaccessible or no longer fit for purpose.
  • In our experience, liquidity, flexibility and competitiveness are directly linked. Our facilities sit gently alongside existing bank finance with no conflict and no fuss.
We're happy to share what we know
  • We can meet you in person at your offices, you can visit us at our New York HQ, or we can organize a video consultation, to suit you, and share what we've learned working with other businesses like yours.
  • We really understand liquidity - it's our bread and butter - and offer a free working capital review to every eligible business.
  • We can normally offer you a term sheet for your InnervationSCF® working capital solution within a couple of weeks of our initial meeting, based not just on your published accounts, but on looking at a whole range of factors including: your quick ratio, management team, an analysis of your spend file, and assets and balance sheet.
Learn ABOUT InnervationSCF®

To book an initial working capital review, or to speak with one of our experts, get in touch.

Book a working capital review