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Author: roryray

  • Understanding the Four Levels of Working Capital Maturity

    Understanding the Four Levels of Working Capital Maturity

    The Road to Working Capital Maturity – Blog Series – Post #2

    Working capital management is no longer just about liquidity –it’s about business agility and long-term resilience. Yet, our research shows that only a fraction of companies achieve best-in-class working capital optimization.

    Where does your organization stand? The Working Capital Forum Maturity Model defines four distinct stages of working capital maturity.

    The Four Maturity Levels

    Onlookers (16%)

    • No dedicated working capital strategy
    • Finance and treasury functions operate in silos
    • Disconnected systems with manual data entry

    Risk: Cash management is reactive, increasing exposure to market volatility

    Adopters (63%)

    • Basic working capital KPIs reported in treasury
    • Some financing solutions in place
    • Improvements in cash flow forecasting

    Opportunity: Moving from finance-only metrics to organization-wide cash culture

    Transformers (21%)

    • Dedicated working capital teams and processes
    • Multiple financing tools in use
    • Integration of systems for real-time data visibility
      Advantage: Proactive decision-making and improved operational efficiency

    Innovators (N/A)

    • AI-driven cash forecasting and automation
    • Working capital KPIs linked to executive incentives
    • Fully integrated, enterprise-wide cash culture

    Best Practice: Continuous optimization and agility in financial planning

    How to Move to the Next Level

    The journey to working capital maturity requires a combination of process improvements, financial strategy, and technology integration.

    Download the Full Report to See How You Compare.

  • Navigating Uncertainty: How Connected Capital Drives Sustainable Growth

    Navigating Uncertainty: How Connected Capital Drives Sustainable Growth

    In today’s volatile economic landscape, sales growth remains a challenge for growth corporates and enterprises. Macroeconomic headwinds, including persistent supply chain disruptions and fluctuating interest rates, are creating unprecedented levels of uncertainty. Traditional working capital solutions often prove inadequate in these dynamic conditions, leaving businesses struggling to maintain momentum.

    The Balancing Act: Bank Capital vs. Alternative Funding

    Companies find themselves caught between two seemingly disparate options: the cost-effectiveness of bank capital and the speed and flexibility of alternative funding solutions.

    How Connected Capital Solves the Growth Dilemma

    1. Flexibility and Configurability

    Connected Capital combines the agility of alternative capital with the stability of bank funding. This hybrid approach allows businesses to access a diverse range of financing options, tailored to their unique needs and risk tolerance – whether it’s managing cash flow, extending payment terms, responding quickly to changing market conditions or funding growth initiatives.

    2. Enhanced Risk Management

    By integrating multiple funding sources, Connected Capital offers broad-spectrum risk coverage. This ensures that businesses can mitigate financial risks while maintaining operational efficiency. Our advanced analytics and risk management tools provide greater visibility into your supply chain and financial performance, mitigating potential risks and ensuring business continuity.

    3. Improved Cash Flow and Liquidity

    One of the standout benefits of Connected Capital is its ability to unlock liquidity. By leveraging both alternative and bank capital, businesses can optimize their cash conversion cycles and free up working capital for strategic reinvestment. This not only improves cash flow but also supports sustainable growth.

    4. Scalability and Growth

    Connected Capital is designed to support businesses at every stage of their growth journey. From growth corporates in emerging markets to large enterprises, Connected Capital provides scalable solutions that drive revenue acceleration and market expansion. By aligning financial strategies with business goals, it empowers organizations to achieve their full potential.

    5. Strategic Partnerships

    GSCF works closely with your existing house banks, fostering collaboration and strengthening your financial relationships. Combining multiple funding sources allows businesses to spread financial risk and work together on innovative approaches to working capital optimization.

    The GSCF Advantage

    GSCF’s Connected Capital goes beyond traditional financing. Our dynamic technology platform provides real-time data, actionable insights, and complete transparency into your working capital programs. We empower you to make informed decisions, optimize your financial performance, and drive sustainable growth, even in the face of economic uncertainty. In a world of constant change, businesses need innovative solutions to thrive. Connected Capital provides the agility, flexibility, and cost-effectiveness needed to navigate macroeconomic challenges and achieve sustainable sales growth.

    Contact GSCF today to learn how we can help you unlock your growth potential.

  • GSCF Acquires IBM Deutschland Kreditbank GmbH

    GSCF Acquires IBM Deutschland Kreditbank GmbH

    Extends Connected Capital Ecosystem of Corporates and Bank Partners 
    for Coverage Across the EU 

    RELEASE DATE: 7 January 2025, 9:00 am EST   

    NEW YORK, January 7, 2025 – GSCF, a leading global provider of working capital solutions, today announced the acquisition of IBM Deutschland Kreditbank GmbH to enhance its Connected Capital capabilities under the new brand GSCF Working Capital Bank GmbH.

    This strategic move strengthens GSCF’s position as a global leader in working capital optimization and empowers the Company to deliver additional value to its clients and funding partners. GSCF Working Capital Bank is licensed by the European Central Bank to provide flexible capital solutions throughout the EU, supported through GSCF’s best-in-class servicing platform. 

    By operating with a banking license, GSCF can unlock additional partnership opportunities for banks and asset managers and provide enhanced services to corporate customers with specific needs requiring access to alternative capital.

    Benefits to Banks & Asset Managers:

    • Broadened Market Reach: Enhanced capability to fund working capital solutions across the EU by leveraging GSCF’s banking license and managed services. 
    • Strengthened Partnerships: Increased potential to collaborate with corporate clients and other financial institutions to address liquidity needs. 
    • Enhanced Product Offerings: Flexibility to offer a wider range of working capital products and services.
    • New Revenue Opportunities: Potential to tap additional revenue streams by offering innovative financing solutions.

    Benefits to Corporates:

    • Expanded Regional Footprint: Support for seamless cross-border transactions in the EU without the complexity of accessing or managing a banking license.
    • Flexible Access to Capital: Ability to leverage GSCF’s unique operating capabilities which combine the speed and agility of alternative capital with the proven regulatory and support functions of a bank.
    • Tailored Solutions: Access to customized working capital solutions geared to meeting specific business needs in the EU.
    • Streamlined Operations: Automation and full transparency into working capital processes, resulting in added operational efficiency, increased liquidity, and improved cash flow.

    “By completing this strategic acquisition, we have further positioned GSCF to redefine the future of working capital. With GSCF Working Capital Bank, we will offer our clients a more comprehensive suite of Connected Capital solutions to support a financial ecosystem that more seamlessly integrates alternative capital and bank financing,” said Doug Morgan, GSCF’s Chief Executive Officer.

    About GSCF

    GSCF is the leading global provider of working capital solutions. The Company empowers corporates and their financial institution partners to accelerate growth, unlock liquidity and manage the risk and complexity of the end-to-end working capital cycle. GSCF’s innovative Working Capital-as-a-Service offering combines the power of an end-to-end technology platform with expert managed services and alternative capital solutions. GSCF’s team of working capital experts operates in over 75 countries, offering a truly global and comprehensive Connected Capital solution to working capital efficiency challenges. Visit www.gscf.com to learn more.

                 

                

           

                             

  • GSCF Launches Connected Capital with Next-Gen Working Capital Management Solution 

    GSCF Launches Connected Capital with Next-Gen Working Capital Management Solution 

    Integrating Alternative and Bank Capital on One Powerful Servicing Platform

    RELEASE DATE: 21 November 2024, 9:00 am EST   

    NEW YORK, November 21, 2024 – GSCF, a leading global provider of working capital solutions, today announced the launch of its enhanced cloud-enabled liquidity management platform and the creation of the Connected Capital ecosystem. Developed on a fully modernized technology stack, this innovative platform is designed to support a financing ecosystem that seamlessly connects alternative capital and bank financing. 

    GSCF’s highly configurable technology platform is unique as a one-stop solution for optimizing financial operations and accelerating growth, empowering companies and their funding partners to manage the end-to-end working capital cycle. The integration of funding sources can benefit a wide range of companies seeking to complement their core bank funding with access to alternative capital, including large investment grade enterprises and extending to mid-sized companies operating in riskier jurisdictions and industry verticals. 

    GSCF activated its Connected Capital ecosystem through a multi-year development program aimed at modernizing and consolidating its servicing and funding platforms. The Company has now completed the migration of its currently supported working capital programs, representing approximately $60 billion in annual funding volume, onto the new Connected Capital platform which provides:

    • Full-Scope Risk Coverage: One platform that offers broad-spectrum risk coverage by combining the flexibility of alternative capital solutions with the efficiency of bank funding
    • Tailored Solutions to Unlock New Growth: Co-creation of custom working capital programs to meet the unique needs of a business
    • Actionable Insights: A powerful data warehouse supporting advanced analytics tools that dynamically enhance working capital decision-making and provide real-time insights into performance
    • Expert Managed Services: Experienced professionals capable of addressing complex program requirements and delivering efficiency through automated workflows and streamlined operations

    “By leveraging our cloud-enabled platform and deep industry expertise, we are empowering organizations to unlock the full potential of their working capital strategies,” said Doug Morgan, GSCF’s Chief Executive Officer. “Our advanced platform provides a seamless and efficient way to tailor funding to meet specific needs, enabling our clients to focus on their core business and access the capital needed to fuel expansion.”

    With this significant technology investment and by combining the power of funding and servicing, GSCF has further extended the scope of the Working Capital as a Service (WCaaS) solutions it delivers to corporate customers and their funding partners to address real-time liquidity in a manner that supports sustainable growth.  It also positions GSCF to meet the needs of currently underserved sectors, including mid-size companies that currently lack access to capital sources which fit their specific risk profile.er.

    About GSCF: 

    GSCF is the leading global provider of working capital solutions. The company empowers companies and their financial institution partners to accelerate growth, unlock liquidity and manage the risk and complexity of the end-to-end working capital cycle. GSCF’s innovative Working Capital-as-a-Service offering combines the power of an end-to-end connected capital technology platform with expert managed services and alternative capital solutions. GSCF’s team of working capital experts operates in over 75 countries, offering a truly global and holistic perspective to solve working capital efficiency challenges. Visit www.gscf.com to learn more.

           

                             

  • Case Study: Increase Reseller Purchasing Power

    Case Study: Increase Reseller Purchasing Power

  • Case Study: Purchasing Power and Cash Conversion Cycle

    Case Study: Purchasing Power and Cash Conversion Cycle

  • Case Study: Deleverage and Grow Channel Sales

    Case Study: Deleverage and Grow Channel Sales