For CFO's & Corporate Treasurer's

Reduce Your WACC.
Diversify Your Lenders.

Pinnacle helps businesses grow their sales revenues beyond the large buyers via financing receivables from non-IG and unrated debtors and unlocking working capital that banks under Basel IV increasingly cannot provide

Strategic Framework Receivables Finance Supply Chain Finance Platform & Network
Strategic Framework

The Problem. The Options. The Solution.

01

Problem Statement

Basel IV applies punitive risk weights to non-IG and unrated borrowers driving up pricing and reducing bank’s credit appetite. The result: higher costs, reduced availability, and lender concentration.

02

Existing Debt Solutions

DCM instruments like leveraged loans, high-yield bonds, syndicated RCFs have limited credit appetite from investors and tenor mis-match for 30-120 days working capital cycle leading to higher interest costs

03

Pinnacle's Solution

Shift 10–20% of debt into short-tenor trade & working capital finance that are 200 - 300 bppa cheaper than DCM, improved leverage ratios (via off-balance-sheet structures) and reduced WACC without complexity.

Overall Composition of Corporate DebtCurrent MixOptimised MixImpact
Long-term loans (>5 yrs)~40%~30%-
Medium-term loans (1–5 yrs)~40%~30%-
Short-term loans (<1 yr)~20%~20%-
Trade Finance (SCF / Receivables)~0–5%~20%WACC reduction
Solution 01

Sales & Receivables Finance

Your sales are the asset. Pinnacle makes sure you get paid on your terms, not your buyers'.

The Problem
  • Higher sales lead to more cash trapped in outstanding invoices (often for 60–120 days) starving the business of liquidity.
  • Banks only finance receivables owed by investment-grade (IG) buyers leaving non-IG and unrated buyers entirely unfunded.
  • Credit insurance for non-IG buyers is increasingly expensive, restrictive and in many cases simply unavailable.
  • For business based in India, Turkey, the Middle East, Egypt or Africa, sovereign ceilings routinely exclude cross-border receivables from standard programs.
Pinnacle's Solution
  • Access your full receivables book including non-IG, unrated and EM buyers your bank won't touch via Pinnacle's investor network.
  • True-sale structuring across your sales ledger reduces reported receivables, improves leverage ratios and balance-sheet capacity.
  • Digital platform automates invoice submission, credit approval and funding disbursement from days to hours for $10m to $100m+.
  • Competitive terms for all your buyers, lower DSO, diversified funding and infrastructure that grows with your business.
Solution 02

Supply Chain Finance

Your supply chain is only as strong as the weakest link's access to capital. Pinnacle ensures every link is funded.

The Problem
  • Most corporates fund procurement via expensive RCFs and term loans i.e. wrong instrument for a 60–180 day working capital need, inflating WACC unnecessarily.
  • Basel IV is making banks more selective raising pricing, tightening eligibility and reducing availability as working capital requirements grow.
  • When SME suppliers in emerging markets can’t access affordable working capital, SMEs demand earlier payment, reduce capacity or exit - disruption that flows back to you.
  • Single-bank dependency means one lender decision can destabilise your entire supply chain funding (SCF) program overnight.
Pinnacle's Solution
  • Multi-lender SCF program to help create resilience across volatile market conditions when supply chains need it most.
  • Extend DPO for your payables while providing early payment to suppliers - improving your own working capital without straining supplier relationships.
  • Covers non-IG and EM suppliers (systematically excluded from single-bank programs), thus protecting your most strategic supply chain relationships.
  • Off-balance-sheet structuring available – improving debt ratios and covenant headroom without adding to gross debt.
01

Approved Payables Finance

Classic reverse factoring - buyer-approved invoices funded at competitive rates, extended DPO for the corporate, early payment for suppliers.

02

Dynamic Discounting

Use surplus corporate cash to fund early supplier payments at a discount - simple, direct, and off-balance-sheet.

03

Inventory Finance

Finance goods in transit and warehouse inventory - unlocking working capital tied up between supplier payment and customer collection.

04

Pre-Shipment Finance

Fund production and procurement against confirmed purchase orders - enabling suppliers to fulfil larger contracts without balance-sheet constraint.

Platform & Lender Network

Multiple Lenders. One Platform.

20+ years of senior lender relationships and ability to structure working capital transactions to meet each lender's specific credit criteria for faster approvals and competitive pricing.

Regional Banks
DFIs & ECAs
Trade Finance Banks
Asset Managers
Institutional Investors
NBFIs & Factors

Automated Invoice Processing

Digital invoice submission, verification and buyer confirmation at scale.

Multi-Lender Funding

Simultaneous access to multiple lenders - diversification built into the infrastructure.

Real-Time Dashboards

Live portfolio performance, funding utilisation and covenant tracking.

Off-Balance-Sheet Structuring

True-sale structuring across jurisdictions - supporting IFRS 9 derecognition.

Restructure Your Capital Mix.

Speak to Pinnacle's advisory team about reducing your WACC and diversifying your lender base - tailored to your industry, structure and growth ambition.

Speak to Our Team