At times like Basel II, III and the bank crisis, banks become very cautious about lending.   Banks’ restrictive lending policies can make life difficult for many small and medium-sized businesses.  If a company doesn’t have healthy liquidity, it’s difficult to make new investments and ultimately remain competitive.  

At some stage, many companies reach a point where their credit lines have been exhausted.  As a result, growing companies frequently need to add new banks or change their existing ones because the requirements have changed. 

Additionally, more and more companies are turning to alternative financing like Factoring, purchase financing or guarantee insurance. These innovative financing instruments allow companies to preserve and extend their financial scope, improve their competitive position and safeguard their business at the same time.