Production
Capex · Raw materials · Supplier terms
Business Financing & Capital
Funding that follows how the business works.
OUC helps businesses clarify the need, prepare the case and explore bank, non-bank and structured financing pathways.
Discuss a financing situation ↗
What situations OUC helps with
The need becomes clearer when the operating reality is visible.
01Facilities no longer fit the business
02Growth is consuming working capital
03Trade cycles create timing gaps
04A project spends before it earns
05The financing case is not yet clear to the bank or funder.
06A non-bank route may be relevant
The gap OUC helps close
Past performance matters. So does what happens next.
Historical accounts explain where the business has been. Orders, contracts, transaction flows, counterparties, execution capacity and owner intent help explain what must happen next.
- 01
Past
Financial performance, conduct, existing facilities and operating experience.
- 02
Future
Orders, contracts, pipeline, transaction flow, counterparties, timing and cashflow.
- 03
Controls
Account flows, documentation, monitoring, reporting and transaction controls where relevant.
- 04
Pathway
Bank financing, transaction-based financing, P2P, private credit, strategic capital or another suitable route.
A good case is not one that merely sounds attractive. It is one that can be understood, tested and followed through.
OUC starts with how the business operates and generates cash before considering the financing route.Bank financing & facility optimisation
Start with what the facilities must accomplish.
Existing limits, security, utilisation, covenants and repayment structure should match the business’s cashflow and growth plan.
- Review the need and current facility fit
- Clarify refinancing or optimisation priorities
- Prepare the commercial logic for serious discussions
Working capital & trade financing
Growth can be profitable and still consume cash.
OUC looks at purchase terms, inventory, production, receivables and collections as one cash-conversion cycle.
Inventory
Stock days · Seasonality · Holding cost
Distribution
Trade facilities · Logistics · Channel terms
Sales & collection
Receivables · Credit days · Growth
Project & cashflow financing
Spend, milestones and repayment must fit the same timeline.
Private development
Financing before operating cashflow begins.
Infrastructure
Manage the gaps between claims, certification and collection.
Renewable energy
Different structures for asset owners and EPCC or project contractors.
Non-bank, P2P & private credit
One problem can have more than one route.
Banks, non-bank funders, P2P platforms and private lenders assess fit differently. OUC helps organise the facts before the route is chosen.
Business & financial case preparation
Make the business understandable.
Connect the owner’s objective, cashflow, funding use, projections, documents and repayment logic into a coherent case.
For banks & funders
Better-prepared conversations.
OUC helps surface the business facts, clarify information needs and coordinate practical follow-up without replacing the funder’s own assessment.
Selected financing experience
Experience across operating cycles and complex project cashflow.
Selected experience from Victor Henry Yeoh’s prior banking career. Client and project identities are withheld where appropriate.
Financing & capital