Pinnacle connects non-IG and unrated corporates to a curated network of 100+ lenders — unlocking working capital that banks under Basel IV increasingly cannot provide.
Basel IV applies punitive risk weights to non-IG and unrated borrowers — driving up pricing and reducing bank appetite. Sovereign ceilings in Turkey, India, Egypt and Africa compound the effect. The result: higher costs, reduced availability, and dangerous lender concentration.
DCM instruments — leveraged loans, high-yield bonds, syndicated RCFs — are tenor-mismatched for 30–120 day working capital needs, create single-arranger dependency, and carry significant ratings, roadshow and covenant overhead.
Shift 10–20% of medium-term debt into short-tenor trade finance — priced 200–300bps cheaper. Funded by Pinnacle's 100+ lender network. Off-balance-sheet structuring improves leverage ratios and reduces WACC without refinancing complexity.
| Debt Bucket | Current Mix | Optimised Mix | Impact |
|---|---|---|---|
| Long-term (>5 yrs) | ~40% | ~30% | — |
| Medium-term (1–5 yrs) | ~40% | ~30% | — |
| Short-term WC (<1 yr) | ~20% | ~20% | — |
| Trade Finance (SCF / Rec.) | ~0–5% | ~20% | ↓ 15–30bps WACC reduction |
Your sales are the asset. Pinnacle makes sure you get paid — on your terms, not your buyers'.
Your supply chain is only as strong as the weakest link's access to capital. Pinnacle ensures every link is funded.
Classic reverse factoring — buyer-approved invoices funded at competitive rates, extended DPO for the corporate, early payment for suppliers.
Use surplus corporate cash to fund early supplier payments at a discount — simple, direct, and off-balance-sheet.
Finance goods in transit and warehouse inventory — unlocking working capital tied up between supplier payment and customer collection.
Fund production and procurement against confirmed purchase orders — enabling suppliers to fulfil larger contracts without balance-sheet constraint.
20+ years of senior lender relationships — structured to meet each lender's specific credit criteria for faster approvals and competitive pricing.
IFC · DEG · FMO · Proparco and specialist DFIs across emerging and developed markets
Real-time transaction risk assessment — reducing processing from days to hours.
Digital invoice submission, verification and buyer confirmation at scale.
Simultaneous access to multiple lenders — diversification built into the infrastructure.
Live portfolio performance, funding utilisation and covenant tracking.
True-sale structuring across jurisdictions — supporting IFRS 9 derecognition.
Platform designed to grow with your programme — no rebuild required.