Many medium-sized companies in Indonesia face a growth paradox: orders are increasing, but cash flow is depressed due to long accounts receivable cycles. This is where a structured working capital loan plays a crucial role. It is not just a bailout fund, but a strategic tool to ensure operations continue unhindered as the company escalates its business.
Acasia Capital's analysis shows that a common mistake entrepreneurs make is to use working capital for long-term capital expenditure (Capex), which often triggers a liquidity crisis. We encourage the Asset-Based Lending or Invoice Financing approach as a more flexible solution than conventional loans. By integrating credit scoring technology and a deep understanding of the supply chain, companies can gain faster and more targeted access to funding. Healthy working capital is the foundation for EBITDA stability and attractiveness to institutional investors.
