Financial Facilities & Loans arrangement

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Working Capital, Project Financing & Asset Leasing – We Bridge the Gap Between You and the Bank

You need money to grow. A working capital loan to buy inventory. A letter of credit to pay your overseas supplier. Project financing for that new factory. Or maybe you just want to lease machinery instead of buying it outright. Here’s the problem: banks don’t say “no” because your business is bad.

Why DigitalGlare Beats a Typical Accounting Firm & Your In-House Team

In-House Team

Has no relationships with banks – doesn’t know which lender offers what facility
Struggles to produce projected cash flows or working capital gap analysis
Does not understand LC documentation, assignment of proceeds, or standby LC structures
Has no process for tracking loan covenants or submitting periodic utilization reports

Typical Agency

Prepares loan financials once, then disappears when the bank asks follow-up questions
Charges separately for every bank query, every revised projection, every supporting document
Hands you a balance sheet and says “good luck” – no help with the actual application
Takes weeks to respond to bank requests – by then, the loan offer expires

We Don’t Just Introduce You to Banks – We Make Banks Say Yes to You

Getting a loan is not about knowing a friendly relationship manager. It’s about presenting a financial package that ticks every box on the bank’s internal checklist. Clean historical financials? Check. Realistic projections? Check. Evidence of repayment capacity from your cash flow? Check. Properly aged receivables and payables? Check. Clear documentation on how you’ll use the money and how you’ll repay? Check. We help you build that complete package. We start by reviewing your current financial health – your trial balance, your profit & loss trends, your inventory turnover, your collection period. Then we identify the right type of facility. Need to pay a supplier overseas? That’s a Letter of Credit, not a term loan. Need to bridge a 60-day gap between paying staff and collecting from customers? That’s working capital, not project financing.

Frequently Asked Questions

Business owners hesitate to apply for loans because they’ve been rejected before or they don’t know where to start. Here are the real questions we answer every week.

1. How much working capital do I actually need? Can you calculate that?

Yes, and we don’t guess. We use a simple formula: (Average inventory days + Average receivables days – Average payables days) × Your daily operating cost. We pull these numbers directly from your ERP or financial statements. Many business owners overestimate and apply for too large a loan (which gets rejected) or underestimate and run out of cash anyway. We calculate your precise gap – and then we add a reasonable buffer (10–15%) for unexpected delays. That’s the number we take to the bank.

2. My credit score is not great. Can you still get me a loan?

Maybe. It depends on why the score is low and what collateral or guarantees you can offer. We won’t lie to you. If your score is very poor and you have no assets, traditional bank loans might not work. But there are alternatives – asset leasing (where the asset itself is collateral), assignment of proceeds (where a contract secures the advance), or trade finance (where the LC is self-liquidating). We’ll be honest about your chances before we waste your time or money.

3. How long does it take to get a Letter of Credit approved?

If your documents are ready and your bank limit is already in place, an LC can be opened in 2–5 business days. If you need a new credit limit from the bank, add 3–6 weeks for their internal approval process. We help speed this up by submitting a complete, error-free application the first time. Common mistakes that delay LCs: mismatched invoice amounts, incorrect HS codes on the goods description, missing insurance documents, or expiry dates that are too tight. We review everything before submission.

4. Do you work with Islamic banks for Sharia-compliant financing?

Yes. We’ve worked with several Islamic banks on Murabaha (cost-plus financing for assets), Ijara (leasing), and Wakala (agency arrangements). The key difference is documentation and accounting treatment – Islamic facilities often have different profit recognition and asset ownership structures. We understand those differences and can present your application correctly. Just tell us upfront if you require Sharia-compliant financing.

5. What happens if I can’t repay the loan on time?

First, don’t panic. Most banks will work with you if you communicate early. We help you do that. If you see a cash flow shortfall coming, we help you prepare a revised repayment schedule and approach the bank for a restructuring – before you miss a payment. If the situation is severe, we can also help you explore refinancing from another bank or converting the debt into a longer-term facility. What we don’t do is hide from the bank or ignore the problem. That only makes it worse. We’ve helped clients navigate temporary cash crushes without losing their assets or their business.