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Working capital

Working capital is a recurrent theme in a company’s business cycle. BCV can help you assess your needs, and we offer suitable financing solutions. This means that you will have sufficient cash at all times.

How to finance it

Through a bank

Working capital covers current assets (receivables, inventories and work in progress). It can be increased by cash generated through operations and, if necessary, through bank loans.

Usefulness of cash-flow projections

Cash-flow projections – even if rudimentary – are important for correctly identifying working capital needs. If you take out a working capital loan, your working capital needs will be regularly reviewed and adapted in line you’re your company’s revenue trends.

Working capital loan

A working capital is a credit limit on your current account, which you can use at any time without further approval.

Learn more about working capital loan

Fixed-term advance

Fixed-term advances are commercial loans with a fixed rate of interest that provide you with a liquidity reserve when drawing up a cash-flow projection. The funds are released in the form of a lump sum and are also repaid in this form on a defined date.

Learn more about fixed-term advances

SME Direct credit facilities

Our SME Direct credit facilities help small businesses obtain the financing they need.
To apply, you can use our online application (in French).

Learn more about SME Direct credit facilities

Useful information

Budget de trésorerie (in French only)

Ce fichier vous permet de disposer d'un canevas pour faire votre budget de trésorerie.

File size : 30 KB - Last update: 10.04.2018

Other legal information

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