Working Capital Lines
Working capital is the backbone of a company’s daily operations. When structured effectively, it fuels growth; when misaligned, it can constrain even the strongest business models.
Our working capital facilities are designed to provide ongoing liquidity for essential needs such as supplier payments, payroll, inventory, and contracts with extended terms. Rather than rigid, one-size-fits-all products, we align limits, maturities, and repayment profiles with your receivables cycle and seasonal dynamics.
Typical use cases include:
- Stabilising cash-flow during periods of rapid growth or increased orders
- Covering gaps between supplier payments and customer collections
- Supporting inventory build-up ahead of peak seasons or new contracts
By structuring working capital lines around your actual cash-flows, we help you avoid unnecessary pressure on liquidity and keep your operational momentum.
Acquisition Financing
Strategic acquisitions can accelerate growth, unlock new markets, and consolidate fragmented sectors — but only when financing is thoughtfully structured and executed with precision.
Our acquisition financing solutions support companies that are:
- Expanding their portfolio of businesses or service lines
- Acquiring competitors or complementary players
- Consolidating market share in key regions or verticals
We structure acquisition financing around the deal: the target’s cash flows, the integration timeline, and how risk is allocated between the buyer, lenders, and other stakeholders. Depending on the transaction, this can include term loans, revolving facilities, bridge financing, or co-financing alongside banks or investors. The objective is to provide sufficient capacity to execute the acquisition while preserving financial flexibility for future investments and operations.
Equipment & Investment Loans
Investments in equipment, technology, and infrastructure are critical to sustaining competitiveness, driving productivity, and meeting evolving regulatory and market demands.
Our equipment and investment loans are tailored for:
- Industrial and production equipment
- Technology and software infrastructures
- Logistics, warehousing, and distribution assets
- Modernisation or expansion of existing facilities
We design tenors, grace periods, and repayment schedules to reflect the expected economic life of the assets and the ramp-up of the underlying project. This ensures that the financing supports, rather than constrains, the return on investment. The result is a structure where capital expenditure is matched with realistic cash-flow generation, allowing your business to grow with a stable financial foundation.
Project Finance
Certain initiatives are best financed at project level, with clearly defined budgets, timelines, and dedicated cash-flows.
Our project finance solutions are suitable for:
- Energy and utilities projects
- Infrastructure and logistics developments
- Real estate and industrial developments
- Other long-term, asset-heavy initiatives with identifiable revenue streams
We structure financing around the specifics of each project: contractual framework, construction and ramp-up phases, expected cash-flows, and risk allocation between stakeholders. Terms are calibrated to reflect project milestones, covenants are designed to monitor performance, and security packages are built to protect all parties over the full lifecycle of the project. This disciplined approach enables companies to execute complex projects with a clear, bankable capital structure.
Bridge Loans
In many transactions, timing is critical. Funds may be committed for the future but unavailable today. In these situations, bridge financing becomes an essential tool to ensure seamless execution and maintain momentum.
Our bridge loans are:
- Temporary, with clearly defined exit routes (long-term refinancing, grants, equity, disposals, etc.)
- Fast to arrange, with a focus on transaction timelines
- Flexible in terms of drawdowns and repayment, within agreed parameters
Typical scenarios include:
- Waiting for grants, reimbursements, or contractual payments to be received
- Bridging the period between signing and closing of a larger financing package
- Securing liquidity to complete a time-sensitive transaction or project stage
The objective is to ensure continuity and stability while the long-term funding solution is being finalised.
Financing for Distressed / Restructuring Companies
Businesses can face periods of pressure due to market shifts, operational challenges, or legacy financing structures. In such cases, access to capital can be limited — precisely when it is needed most.
Avant Credit provides specialised financing for companies in difficulty or undergoing restructuring, with a focus on:
- Recapitalising the business and improving balance-sheet strength
- Ensuring sufficient liquidity to stabilise operations
- Supporting restructuring plans agreed with stakeholders
- Other long-term, asset-heavy initiatives with identifiable revenue streams
We combine flexible structures with detailed financial analysis and a long-term partnership approach. The aim is not simply to provide short-term relief, but to contribute to a credible path towards recovery and sustainable performance.
Debt Restructuring
An effective capital structure should evolve with the business. Over time, what was once optimal can become inefficient or overly restrictive.
Our debt restructuring solutions are designed to:
- Consolidate existing facilities where appropriate
- Extend or adjust maturities and repayment profiles
- Rebalance the mix between different types of funding
- Reduce liquidity pressure and improve cash-flow visibility
We work with you—and, where relevant, with your existing lenders—to renegotiate and reorganise the debt framework. The outcome is a more stable, predictable, and supportive financing environment for your next phase of growth.
Co-Financing with Other Creditors
For some large transactions, involving multiple financing partners is often the most efficient and prudent approach.
Avant Credit can participate in:
- Club deals and syndicated structures
- Co-financing alongside banks or institutional investors
- Bilateral facilities designed to complement existing bank exposure
We focus on clear, transparent structures with well-defined roles, documentation standards, and decision processes. This approach allows companies to access larger pools of capital while maintaining balanced relationships with all financing partners.
