Poland ยท Food production
A producer bought most of its raw material inside a ten week harvest window but sold across the whole year, creating a severe cash mismatch.
Existing bank lines were sized for average trading, not for the peak, so the company bought less than it wanted and paid spot prices later in the year.
Warehousing and stock records were strong, which had never been used as a funding argument.
We evidenced stock turn, storage controls and independent stock counts, then approached lenders who fund inventory rather than lenders who discount it.
The facility was sized to the seasonal peak with a lower resting limit, so the business does not pay for capacity it is not using.
A EUR 2.8m stock facility supported a full harvest purchase for the first time.
Margin improved because raw material was bought at harvest pricing rather than in the spot market.
Details are anonymised. Figures are rounded and identifying information is removed or altered to protect client confidentiality. Past transactions are not a guarantee of future outcomes.
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