GE Capital facilities are structured to finance the working capital demands of your business, which would otherwise be financed out of cash flow. The need to maintain or build product inventory or raw materials, to pay overheads, and to extend credit to customers, often occurs significantly before your customers pay you.

GE is a major manufacturer itself, and we use this experience when considering the best way to satisfy the financing needs of our customers. We provide facilities which can be used by you as you require, or left completely or partially undrawn as headroom to use as seasonal demands arise. Our revolving facilities are evergreen - you can utilise them and repay them whenever you want during the full term of the facility - and the underlying assets remain on your balance sheet unless you prefer to explore an off balance sheet solution.

GE will carefully review your trade receivables to ensure that we fully understand their value and the nature of your business. You then have the option to draw a high percentage of this value as cash. Thereafter the facility increases as you notify GE of new invoices raised, and is repaid as invoices are settled by your customers.

We can also provide financing against your inventory. We will review and assess your inventory, taking into account absorbed overhead costs, and determine its true underlying value - which can often be in excess of the value you attribute to it in the balance sheet. GE continuously updates this valuation using information provided by you, and you can borrow a high percentage of this value through a revolving inventory loan.

GE also knows that current assets aren't necessarily restricted to debtors and inventory. For some businesses it is appropriate to extend fully revolving facilities to what other lenders may consider long term assets such as plant and equipment. We always take the time to consider how these assets are used to ensure we can deliver the most suitable solution.