Working Capital Facilities
Revolving and term working-capital lines for the operating cycle.
Working capital facilities fund the gap between paying suppliers and receiving customer payments, keeping operations running. Matchpoint arranges revolving and term working-capital lines from regional banks and lenders.
As part of our Debt practice, Matchpoint Partners has originated and led $2+ billion of transactions across four continents, and every debt mandate is led by a partner, from first call to close.
Working capital and trade finance fund the gap between paying suppliers and receiving customer payments, and support import/export activity. Matchpoint Partners arranges working-capital lines, supplier finance, letters of credit and pre-export finance so businesses can keep operations running and grow without straining liquidity.
Finance the operating cycle at its strongest point
Decision
Separate permanent working-capital need from seasonal or transaction-specific peaks, then select the receivable, inventory, purchase-order or corporate facility that fits the cash cycle.
Evidence
Funders will test ageing, dilution, disputes, concentration, inventory controls, supplier terms, customer payment history, borrowing-base eligibility, cash conversion and the reliability of management information.
Execution
Reconcile the order-to-cash cycle, define eligible assets and controls, build a monthly borrowing-base model and preserve headroom for peak trading rather than sizing only to the current balance.
Our role on working capital facilities mandates
- Revolving and term working-capital lines
- Funding the day-to-day operating cycle
- Regional bank and lender access
- Sized to your trading cycle
Select transactions
Representative debt mandates led by Matchpoint partners.
Working capital via invoice discounting & supplier finance.
Research relevant to this area
Original analysis and decision frameworks from the Matchpoint team.
Working Capital Facilities — frequently asked questions
Funding to cover the gap between paying suppliers and receiving customer payments.
Against your trading cycle, receivables and inventory.
Working capital lines are usually secured against the assets they fund — assignments over trade receivables, pledges over inventory and collection accounts — often supported by corporate or personal guarantees. Stronger borrowers may obtain partially unsecured lines; the security package directly influences pricing, advance rates and the facility’s flexibility.
A revolving facility can be drawn, repaid and redrawn as your trading cycle turns, so you pay only for what you use. A term working-capital loan provides a fixed amount repaid to a schedule, suiting a permanent funding need. Many businesses combine both — a core term layer plus a revolving buffer.
Yes. Facilities can be structured around seasonal peaks — higher limits ahead of the busy period, stepping down as receivables convert to cash. Lenders will want to see the pattern in historical management accounts and a cash-flow forecast showing the facility clears or reduces in the off-season.
Matchpoint originates senior, mezzanine, hybrid and structured debt from regional banks, international lenders and private credit funds, structured around your transaction. Tickets range from USD 5m to USD 500m+.
Private credit is non-bank lending from specialist funds, typically senior or unitranche, offering speed and flexibility. We maintain relationships with private credit funds active in the GCC and India.
Yes. We structure Sukuk and Shariah-compliant private credit, including blended structures pairing a Sukuk tranche with conventional debt.
Engagements ordinarily combine a retainer with a success fee. Terms are agreed in writing before work begins and calibrated to the mandate’s size, scope and complexity.
Most mandates reach a first term sheet within 30 days, depending on diligence readiness and structure; closing follows once terms are agreed.
A short, confidential scoping call and NDA; we structure the requirement and prepare materials, then run a competitive process across our 5,000+ investor and lender relationships, and negotiate to close — with a partner leading at every step.
Matchpoint Partners is based in the UAE and runs cross-border mandates across the UAE, KSA, India and the UK, with active deal activity in wider Europe, Singapore and the United States.
Matchpoint undertakes corporate finance, financing, M&A and fund-placement mandates from USD 5m upwards, subject to mandate fit, diligence, applicable regulation, capacity and a written engagement. The partner team has originated and led $2+ billion of transactions.
Use the enquiry form, email contact@matchpoint-partners.com, or call/WhatsApp +971 52 345 1119. Every mandate is led by a partner from the very first conversation.
Yes. Confidential information is handled under the engagement terms and any applicable non-disclosure agreement.
More in Debt
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Investment roles, structures and decision criteria
Explore the participants and transaction options relevant to this practice. Each entry sets out a discussion scope, decision checks, a paid engagement starting point and the specialist responsibilities to confirm.
Debt and Asset Finance
Revolving Credit FacilitiesCME-218 · Debt and Asset Finance · Funding Instrument
- Ecosystem role
- Funding Instrument
- Related asset class
- Private credit
- Instrument context
- Debt or asset finance
Mandate context: corporate, project, asset and acquisition financing. The structure and rights are established by the specific transaction documents.
Decision focus: Cash obligations and risk allocation.
- Pricing, tenor and repayment obligations
- Collateral, covenants and priority
- Sensitivity to delays, cash shortfalls and refinancing
Scope to discuss: Capital-structure design, financing options analysis and execution support.
Paid engagement entry point: financing-options and term-sheet assessment; followed by lender or investor process execution.
Illustrative GCC scenario: An illustrative Saudi funding proposal can compare repayment, security, covenant and refinancing terms on common cash-flow assumptions before specialist documentation review. This is a hypothetical decision example.
What should be agreed before a mandate involving Revolving Credit Facilities?
Define the investment or transaction objective, the authorised decision-maker, the evidence available, the requested deliverables and the next approval. Use the decision checks above to identify gaps; agree the workplan, delivery responsibilities and fee terms in writing.
Delivery and specialist boundary: Confirm decision authority, evidence access, conflicts, scope and applicable jurisdiction-specific permissions before execution. Legal, tax, fund-marketing, securities and Shariah questions require the relevant appointed specialist. Capital availability, investment returns and execution dates remain subject to assessment.
Discuss a paid scopeWorking-Capital FacilitiesCME-219 · Debt and Asset Finance · Funding Instrument
- Ecosystem role
- Funding Instrument
- Related asset class
- Private credit
- Instrument context
- Debt or asset finance
Mandate context: corporate, project, asset and acquisition financing. The structure and rights are established by the specific transaction documents.
Decision focus: Cash obligations and risk allocation.
- Pricing, tenor and repayment obligations
- Collateral, covenants and priority
- Sensitivity to delays, cash shortfalls and refinancing
Scope to discuss: Capital-structure design, financing options analysis and execution support.
Paid engagement entry point: financing-options and term-sheet assessment; followed by lender or investor process execution.
Illustrative GCC scenario: An illustrative Saudi funding proposal can compare repayment, security, covenant and refinancing terms on common cash-flow assumptions before specialist documentation review. This is a hypothetical decision example.
What should be agreed before a mandate involving Working-Capital Facilities?
Define the investment or transaction objective, the authorised decision-maker, the evidence available, the requested deliverables and the next approval. Use the decision checks above to identify gaps; agree the workplan, delivery responsibilities and fee terms in writing.
Delivery and specialist boundary: Confirm decision authority, evidence access, conflicts, scope and applicable jurisdiction-specific permissions before execution. Legal, tax, fund-marketing, securities and Shariah questions require the relevant appointed specialist. Capital availability, investment returns and execution dates remain subject to assessment.
Discuss a paid scopeOverdraftsCME-220 · Debt and Asset Finance · Funding Instrument
- Ecosystem role
- Funding Instrument
- Related asset class
- Private credit
- Instrument context
- Debt or asset finance
Mandate context: corporate, project, asset and acquisition financing. The structure and rights are established by the specific transaction documents.
Decision focus: Cash obligations and risk allocation.
- Pricing, tenor and repayment obligations
- Collateral, covenants and priority
- Sensitivity to delays, cash shortfalls and refinancing
Scope to discuss: Capital-structure design, financing options analysis and execution support.
Paid engagement entry point: financing-options and term-sheet assessment; followed by lender or investor process execution.
Illustrative GCC scenario: An illustrative Saudi funding proposal can compare repayment, security, covenant and refinancing terms on common cash-flow assumptions before specialist documentation review. This is a hypothetical decision example.
What should be agreed before a mandate involving Overdrafts?
Define the investment or transaction objective, the authorised decision-maker, the evidence available, the requested deliverables and the next approval. Use the decision checks above to identify gaps; agree the workplan, delivery responsibilities and fee terms in writing.
Delivery and specialist boundary: Confirm decision authority, evidence access, conflicts, scope and applicable jurisdiction-specific permissions before execution. Legal, tax, fund-marketing, securities and Shariah questions require the relevant appointed specialist. Capital availability, investment returns and execution dates remain subject to assessment.
Discuss a paid scopeFurther reading on diligence, market frameworks and applicable requirements. These resources do not verify an individual mandate or Matchpoint permission.
