Credit and Capital
Advisory services in financing, working capital, fundraising and structured transactions. Assessment of funding needs, information preparation and negotiation support.
In this insight
Credit and working capital
Advisory services in receivables financing and business credit. Assessment of the purpose of funds and repayment capacity, preparation of lender documents and comparison of costs, maturities and terms.
Structured credit
Modelling, assessment of alternatives and preparation of information for creditors and potential investors. Negotiation support may cover terms, collateral and obligations within the stages defined in the proposal.
Securitisation
Preliminary assessment of the nature and eligibility of receivables, feasibility of structures using CRI and CRA, and organisation of financial information and underlying asset documentation for the agents responsible for structuring.
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Feasibility depends on the characteristics of the receivables and the transaction requirements. Preparation does not amount to issuing or distributing securities.
The work and its limits
The proposal delimits analysis, document preparation, alternatives, negotiation support and responsibilities. Financial reviews and controls implementation are included in a capital project only when expressly contracted.
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Our role is advisory. Credit approval and fundraising depend on the assessment and conditions of the transaction and on lenders’ or investors’ decisions.
From funding need to negotiation
Understand the purpose
Use of funds, required term, existing debt, collateral and repayment capacity.
Prepare and compare
Documents and information to discuss alternatives; costs, maturities, conditions and effects on cash.
Support negotiation
Discussion of conditions and obligations in the agreed stages, with decisions made by the business and lenders or investors.
Who participates and decides
The business defines the purpose and assesses proposed terms. 333 provides the analysis, preparation and negotiation included in the scope. Lenders and investors perform their assessments and decide according to their criteria.
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For receivables transactions, documentation and underlying asset requirements must be examined by the responsible participants. Structuring, issuance, distribution and advisory have distinct roles.
Prepare the assessment
Compare offers, examine cash commitments or organise preparation for raising capital. Each tool explains its assumptions and the points that still need verification.
Frequently asked questions
Does Three Threes grant or approve credit?
Our role is advisory. Credit approval and fundraising depend on the assessment and conditions of the transaction and on lenders’ or investors’ decisions.
Is securitisation feasible for any receivable?
Feasibility depends on the characteristics of the receivables and the transaction requirements. Preparation does not amount to issuing or distributing securities.
Does the work include implementing controls?
Controls implementation and complementary financial reviews have specific scopes and must be stated in the proposal.
How should received offers be compared?
Consider the funds actually available, payment schedule, known costs, collateral and variable conditions. Term and instalment amount alone do not describe the entire transaction.
What should I provide in the initial contact?
The purpose of funds, preparation stage and question to examine. Contracts, statements and confidential documents should wait until an appropriate channel is defined.
Describe the need and stage of preparation
For this first contact, describe the context without sending documents or sensitive financial information.
Describe my capital requirements