A Path to Stability for a Family Business

All Case Studies

Nº 003

Financing Breakdown

Risks

The company would likely enter bankruptcy, putting corporate assets and personal guarantees at risk.

Scenario

Turnaround

Industry |

Utility Services

Key Challenges

Challenged financial results

Project-based revenue volatility

Cyclical end markets

Loan Type

Factoring Facility

Outcomes

Working Capital Restored

Factoring permitted greater working capital, allowing the company to execute on its busy season.

Liability Reduction

The facility paid out the operating lender and reduced CRA balances, lowering day-to-day pressure.

Growth Enablement

With cash freed up, they pursued larger bids, executed on the pipeline, and grew the business.

Lender Type

Private Credit

Bank

Result |

Working Capital Restored

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Overview

A Path to Stability for a Family Business

Diamond Willow arranged a $2 million factoring facility that paid out the operating lender and restored working capital flexibility.

The business is an owner-operated inspection and engineering company serving Western Canada since 1995. What began in Alberta as a pipeline NDT outfit now runs conventional NDT and related services from Calgary, Edmonton, Red Deer, and Medicine Hat.

When a father and son learned their bank would end their relationship with little warning, their accountant referred them to us for a quick solution. We built a strong case based on solid invoices and a healthy pipeline, then quickly arranged factoring to speed up collections, keep technicians working, and ease daily cash pressure.

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The Challenges

Challenged financial recent results with CRA balances outstanding.
Project-based revenue complicated forecasting and working capital.
Exposure to cyclical end-user markets.

Risk Mitigants

Robust revenue pipeline across major products.
High-quality client base reduced counterparty risk.
Aligned management injected additional capital.

The Outcome

The facility ensured payroll was met, employees remained busy, and revenue continued to come in. The new lender paid off the operating lender and eased CRA pressure, allowing the father and son to focus on growing the business rather than struggling with working capital.

$2M facility

in place.

100% payout

of the operating lender.

2 lenders addressed,

plus CRA.

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■

Turnaround

Restoring Stability. Rebuilding Flexibility.

Diamond Willow structured and facilitated a $12.5 million debt solution to repay incumbent operating lenders, stabilize liquidity, and reposition the Company for a long-term recovery.

■

Turnaround

Imminent Bank Demand Avoided

Bank was days from enforcing when the company asked Diamond Willow to steady cash and keep jobs intact.

■

Turnaround

Saving a Community Business

Diamond Willow refinanced with a $2.5 million revolving facility on a rushed timeline, avoiding enforcement and keeping jobs stable.