WORKING CAPITAL FINANCE
Keep your business moving forward.
Overdrafts, revolving credit facilities and supply chain finance tailored to your cash conversion cycle. We work with UAE banks to structure the right solution.
Working capital is the lifeblood of any trading business. When your cash conversion cycle stretches — because customers take 60–90 days to pay but your suppliers want payment in 30 — you need a bank facility that bridges that gap without costing a fortune.
Gulf Oasis Commercial Brokers analyses your cash conversion cycle, seasonal patterns and growth trajectory before recommending a structure. Sometimes the answer is a simple overdraft. More often, a revolving credit facility or a combination of invoice discounting and a short-term revolving line delivers the most cost-effective solution.
We ensure the facility is sized correctly — not too small to be useful, not so large that it attracts unnecessary commitment fees. We also negotiate the margin, ensuring you're not paying above-market rates simply because you applied without specialist support.
Our team monitors your facilities post-drawdown and advises when to review, renew or restructure as your business evolves.
The right instrument for every cycle.
Clean overdraft lines linked to your business current account — draw when needed, repay when you can, pay interest only on what you use.
Structured revolving lines with annual review cycles — borrow, repay and reborrow up to your approved limit throughout the year.
Convert approved receivables into immediate cash. Confidential facilities mean your customers deal with you directly while you receive funds within 24 hours of invoice approval.
Extend your payment terms to suppliers while they receive early payment — improving both your working capital position and your supplier relationships simultaneously.
Structured in four simple steps.
We map your receivables, payables and inventory cycle to understand the precise nature and size of your working capital requirement.
We design a facility structure — product type, limit, tenure and pricing — that addresses your cash flow gap at the lowest possible cost.
We prepare your credit submission, submit to selected banks and negotiate terms — particularly margin and clean vs secured structure.
We confirm facility activation, ensure you can draw down effectively and schedule a review before each annual renewal to ensure terms remain competitive.
Working capital questions answered.
An overdraft is linked to your current account and allows you to go below zero up to an approved limit. A revolving credit facility is a separate line of credit with a defined limit — you draw and repay as needed. RCFs typically offer larger limits and more structured terms than overdrafts.
Not necessarily. Clean (unsecured) working capital lines are available to businesses with strong revenue history and clean credit profiles. Invoice discounting is self-secured against receivables. We structure to minimise collateral requirements while maximising your facility size.
A business loan provides a lump sum with a fixed repayment schedule. A working capital facility is a revolving line — you draw only what you need, when you need it, and pay interest only on drawn amounts. This makes it more efficient for businesses with fluctuating cash flow.
Yes. We frequently help businesses renegotiate and increase existing facilities at annual review time. We prepare updated financials and a fresh credit case that justifies a higher limit or improved pricing, and we present it directly to the bank's relationship and credit teams.
Stop the cash flow squeeze.
Tell us about your working capital challenge and we'll design a banking solution that keeps your business moving — whatever the cycle throws at you.