Short-Term & Long-Term Credit Facilities

A well-structured credit facility does more than provide access to funds — it reduces your cost of borrowing, protects your liquidity, and supports predictable financial planning. Many businesses operate with facilities that are either misaligned to their cash cycle or unnecessarily expensive due to poor initial structuring.

Findirect provides facility design advisory, bank negotiation support, and submission management — ensuring your credit lines are built around your actual operating requirements.

Short-Term Facilities (up to 12 months):

• Overdraft Facilities — flexible access to funds for day-to-day operational needs
• Revolving Credit Lines — draw-down and repay within an approved limit as required
• Bridge Financing — short-duration funding to cover a defined gap between transactions
• Demand Loans — lump-sum borrowing for immediate, time-bound requirements

Long-Term Facilities (1 to 7 years):

• Structured Term Loans — fixed repayment schedules aligned to projected earnings
• Asset-Backed Long-Term Financing — property, plant, or equipment used as security
• Project-Linked Facilities — drawdown structures tied to project milestones
• Debt Refinancing Advisory — replacing existing facilities with more favourable terms

Our advisory spans facility design, lender selection, documentation preparation, and ongoing facility management guidance.