Working capital.
A clearer basis for discussion.

A supplier pays for stock before customers settle invoices. Growth could increase the amount of cash tied up between purchase and collection.

1. Define the financing question

What is the peak cash gap, when does it arise, and what cash receipts could repay a facility? No amount can be proposed without examining the relevant information.

2. Build the evidence

Information to request	What it helps assess
Invoice ageing and collection history	When receipts are expected and how reliable those expectations are.
Supplier terms and stock commitments	When payments fall due and how much cash is committed.
Cash-flow forecast and existing obligations	The peak gap and competing claims on cash.

3. Challenge the assumptions

Compare the base forecast with later customer payments and slower stock turnover. Identify how the cash gap and repayment timing change. Record assumptions and unresolved evidence explicitly.

4. Prepare the discussion brief

Purpose and intended use of finance.
Amount and timing supported by the forecast.
Proposed repayment source and assumptions.
Existing obligations, sensitivities and information gaps.
Questions for potential lenders about eligibility, structure and terms.

5. Give technology a specific job

A structured forecast supports scenario comparisons. Document summaries may be explored with AI assistance, provided a person can check them against source information. Judgement and lending decisions remain with people and the relevant lender.

This is an original demonstration of an advisory approach. It contains no actual customer data, tested financial model, lender offer or claim of results. Any engagement requires an agreed scope and appropriate evidence.

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