Working Capital
Optimisation
Transactional Data Analytics identifying improvement opportunities providing actionable insights, and allowing businesses to track the value directly to the bottom line.
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CUSTOMISING LIQUIDITY
Gardenia promotes economic growth by facilitating trade at every scale.
We make Working Capital Finance accessible to all by digitally managing and algorithmically underwriting Trade Data and providing affordable at-scale funding.
WORKING CAPITAL
FINANCE
A fully systematic, scalable, and externally funded solution providing early payments Payables (purchase order, pre-approval and post approval) & Receivables (synthetic, financing and factoring) to Buyers and Suppliers.
Working Capital
Optimisation
Transactional Data Analytics identifying improvement opportunities providing actionable insights, and allowing businesses to track the value directly to the bottom line.
Working Capital
Finance
A fully systematic, scalable, and externally funded solution providing early payments Payables (purchase order, pre-approval and post approval) & Receivables (synthetic, financing and factoring) to Buyers and Suppliers.
Our proprietary technology increases the transparency of transactional finance, provides corporates with an interactive visualisation tool that allows them to pinpoint actionable insights, to decrease Net Working Capital and improve profits.
THE ISSUE
Working Capital is integral to companies from a financial and operational standpoint; companies with poor working capital performance require more funding to grow, and make up the largest percentages of business failures and insolvencies.
The negative effects are sharpest during periods of contracting credit cycle, and “the regulatory environment is designed to squeeze risk out of the banking sector, which will mean less lending...” James Nixon, Chief Economist, Financial Trade Services Body TheCityUK
A consequential symptom of this existential paradigm, is that corporates continue to borrow Trade Credit (Days Payables less Days Receivables) at an alarming rate, as a quick and easy way to cover working capital gaps.
The implicit costs and systemic risks of doing so are very high as slower payment terms hinder revenue growth and crowd out long-term investment. This is especially true for corporates with limited options of borrowing financial capital - predominantly SMEs.
SCF & Receivables Financing / Factoring programmes, fall short of providing a viable, comprehensive and scalable solution:
- Bank-dependant offerings are subject to the same regulatory constraints; often restricting them to the largest IG corporates
- Non-bank platforms are critically hamstrung, deposit-based lending structures; making them expensive and unscalable
- Platforms tend to have burdensome on-boarding and administrative costs; making them cost-neutral at best for banks to offer
- Credit assessment methods use 'validating' models to underwrite transactions, which rely on processes that are orthogonal to the risks of financing them
THE INTEGRATED SOLUTION
Data-to-cash in a single stop.
Gardenia is a platform that captures, analyses, and exchanges data to centralize various high-value services to buyers, suppliers and lenders. By connecting to corporate systems and using proprietary algorithms, we analyse transactional data to identify and reduce counterparty risks, as well as lower the complexities pertaining to Supply Chain Finance. As a result we are able to provide deeper, more efficient finance programmes, while reducing costs; making Working Capital Finance accessible to all participants. In addition, Gardenia provides Transactional Data Analytics and actionable insights that allow corporates to improve Net Working Capital and increase profit.
