In the era of Basel II, III, and banking crises, financial institutions are being very cautious about extending credit. The banks’ restrictive lending practices are making life difficult for many small and medium-sized businesses: Without healthy liquidity, it is impossible to make new investments and thus remain competitive.

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

In addition, more and more companies are turning to alternative forms of financing, such as factoring, purchase financing, or guarantees. These innovative financial instruments help companies maintain and expand their financial flexibility, improve their competitive position, and safeguard the business at the same time.