Working Capital in Place for High Season

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Nº 008

Working Capital in Place for High Season

Financing Breakdown

Risks

Couldn’t turn a strong pipeline into positive cash flow or return to bank financing.

Scenario

Turnaround

Industry |

Construction

Key Challenges

Negative historical EBITDA

Cyclical end markets

Project-based forecasting risk

Loan Type

Line of Credit

Outcomes

Liquidity Restored

Faster cash conversion created a liquidity buffer and stabilized cash flow.

Better Terms Secured

Getting several offers improved the loan terms and helped control costs.

Execution Enabled

Working capital allowed the company capitalize on pipeline, improve profitability, and return to bank.

Lender Type

Private Credit

Bank

Result |

Working Capital Restored

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Overview

Working Capital in Place for High Season

Diamond Willow arranged a $1 million factoring line of credit in Alberta.

This business helps owners and contractors keep pressurized systems safe and reliable across Canada. Since 2009, their crews have handled inspection, repair, and modification work with a focus on safety, productivity, and cost. After being exited by their bank the company struggled to find working capital. Referred by an advisor, the owner needed a customized and rapid solution. We built a lender-ready case around insured receivables, blue-chip customers, and an EBITDA recovery, then ran a competitive process that delivered more working capital than requested on better terms.

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The Challenges

Negative historical EBITDA.
Cyclical industry exposure.
Project-based work complicates forecasts.

Risk Mitigants

EBITDA was recovering and turning positive.
Blue-chip customers with low counterparty risk.
Strong industry fundamentals.

The Outcome

Working capital was deployed where it mattered. Payroll, materials, and mobilizations stayed on track, payables stabilized, and the team stayed together for the busy season. Multiple offers improved the terms and helped keep costs in check.