The way corporates fund working capital is evolving rapidly. While traditional bank financing remains important, GSCF’s Working Capital Leadership Report 2025 shows a clear shift toward diversified funding structures.
50% of respondents use receivables finance or factoring, 33% have adopted supply chain finance, and 24% now fund working capital programs through multiple sources. At the same time, 23% report using none of these tools — often due to execution and operational complexity rather than lack of awareness.
Diversification brings flexibility. But it also introduces fragmentation.
As organizations blend bank and alternative capital, the challenge shifts from access to liquidity to maintaining portfolio-level visibility, governance and control across multiple programs, funders and structures.
Liquidity is no longer managed program by program. It must be managed at the portfolio level.
The leaders are those who treat funding strategy as a lever but pair diversification with unified oversight. Without centralized visibility, multi-funding strategies can create blind spots in exposure, concentration risk and allocation.
Key Takeaways
- Diversified funding increases flexibility and increases structural complexity.
- Fragmented ecosystems require portfolio-level visibility and governance.
- Execution complexity, not lack of solutions, is what limits advancement.
How GSCF Helps
GSCF’s Connected Capital ecosystem simplifies access to both bank and alternative capital solutions within a unified platform.
C4 (Connected Capital Control Center), coming soon, serves as the portfolio-level control layer across diversified funding programs — enabling real-time visibility into exposure, concentration risk and capital allocation across multiple funders and structures.
This allows organizations to pursue multi-funding strategies with confidence, without sacrificing operational efficiency or governance.