The Power of Complex Working Capital Finance: A Win-Win-Win for Banks, SMBs, and Customers

In today's dynamic business landscape, small and medium-sized businesses (SMBs) are the driving force behind economic growth. They contribute significantly to the development of local economies and provide employment opportunities. However, these SMBs often face financial challenges, particularly when it comes to accessing working capital and securing funds for growth.

At least 47% of start-ups and SMBs struggle or close their doors prematurely due to a lack of access to capital. This is a huge concern as around 50% of the USA's GDP is contributed by SMBs and it's important for them to get the proper support to keep thriving.

This is where the power of Complex Working Capital Finance comes into play, creating a win-win-win scenario for lenders, merchants, and customers. In this blog, we will delve into the advantages of this approach and explore how it benefits all parties involved.

What is Complex Working Capital Finance?

Complex Working Capital Finance refers to specialized financial solutions that help businesses manage their short-term liquidity and operational expenses by lending parties and they benefit from it by selling their services while providing the working capital. To better understand this concept, let's explore a practical example involving John, a small business

Meet John, a solar panel installation provider who aims to expand his business and meet the growing demand for renewable energy solutions. John's business involves procuring raw materials, managing labour costs, and ensuring timely installations for his customers. However, he faces a common challenge among small businesses: securing sufficient funds to scale his operations.

To overcome this challenge, John explores Complex Working Capital Finance options tailored to the solar industry. He approaches a financial institution specializing in renewable energy financing, which offers him a line of credit specifically designed for solar installers. This line of credit allows John to access funds for purchasing raw materials, paying labor costs, and expanding his installation capacity.

With the flexible financing provided through Complex Working Capital Finance, John can procure solar panels and related equipment without compromising his cash flow. This enables him to fulfil customer orders promptly, enhancing customer satisfaction and attracting new business opportunities.

Furthermore, John discovers that the financial institution offering the working capital finance solution also provides additional banking products and services. They offer him the opportunity to partner with them for his banking needs, including opening business accounts, obtaining business insurance, and utilizing their credit and debit card services.

By leveraging this cross-selling opportunity, John not only secures the funds needed for his solar installations but also gains access to a comprehensive suite of financial products and services. This simplifies his financial management, streamlines his business operations, and ensures a seamless experience for both him and his customers. But Complex Working Capital Finance is not only beneficial for SMEs.

Let's delve into the benefits for Banks, SMEs and Consumers

Benefits for Banks

Cross-selling financial loans provides significant advantages for banks, enabling them to expand their product offerings and increase their market presence. By collaborating with various partners such as NBFCs and other financial institutions, banks can tap into new customer segments and target niche markets. This strategic alliance allows banks to diversify their revenue streams and strengthen their position within the financial industry.

Through cross-selling loans, banks have the opportunity to deepen their relationship with merchants. By understanding the unique financial requirements of businesses, banks can offer customized loan products that cater to their specific needs. This personalized approach enhances customer satisfaction and fosters long-term loyalty, resulting in improved financial outcomes for both the bank and the merchant.

Moreover, cross-selling loans provide banks with an avenue to offer a comprehensive suite of financial products and services. By leveraging the lending relationship, banks can introduce merchants to other banking products such as debit and credit cards, insurance policies, business accounts, and more. This not only increases customer engagement but also generates additional revenue through cross-selling these supplementary offerings.

Benefits for SMBs

SMBs stand to gain significant advantages from Complex Working Capital Finance. Access to working capital and cash flow is crucial for their growth and expansion plans. Whether it's a small departmental store looking to expand its inventory or a solar installer in need of funds for raw materials and labour, having access to financing can be a game-changer.

Through Complex Working Capital Finance, merchants access a wider range of loan options and funding sources. This allows them to choose the most suitable loan product for their specific needs. Additionally, cross-selling facilitates a streamlined application and approval process, often with less stringent eligibility criteria. This ease of obtaining funds empowers merchants to focus on their core business activities and seize growth opportunities.

Moreover, by partnering with Banks, SMEs can negotiate more favourable loan terms and conditions. This can include lower interest rates, flexible repayment options, and longer repayment periods. Such benefits enable merchants to optimize their cash flow and better manage their financial obligations.

Furthermore, Complex Working Capital Finance provides merchants with access to capital and offers an opportunity to strengthen customer relationships. By providing financing options such as instalment payment plans, merchants can enhance the purchasing power of their customers. This, in turn, leads to increased sales and customer loyalty, as individuals appreciate the convenience and flexibility of financing options.

Benefits for Customers

Customers or Consumers are the indirect but ultimate beneficiaries of Complex Working Capital Finance. By availing of these loans, Businesses enable customers gain access to the necessary funds for various purposes. This financial support boosts their confidence, enabling them to pursue their entrepreneurial aspirations or make significant purchases.

With access to financing options, customers can effectively manage their cash flow and mitigate the risk of financial strain. For instance, in the case of residential solar installations, businesses can secure loans not only for the purchase of raw materials but also for labour costs. This comprehensive financing solution ensures a seamless experience for residential customers, encouraging them to embrace sustainable and renewable energy solutions.

Moreover, Complex Working Capital Finance often introduces customers to a range of additional banking products and services which can be referred through the Business brand pages or direct campaigns by lending institutions to end consumers. Through this process, customers may be offered credit cards, insurance coverage, deposit accounts, and recurring payment options. This provides convenience and expands their financial capabilities, enabling them to make more informed decisions about their money and achieve their financial goals.


Complex Working Capital Finance has emerged as a powerful strategy that creates a win-win-win scenario for lenders, merchants, and customers.
  • Banks benefit from diversifying their revenue streams, expanding their customer base, and strengthening customer relationships.
  • SMBs gain access to much-needed working capital, favourable loan terms, and the ability to offer flexible financing options to their customers.
  • Customers, in turn, enjoy the convenience of financing options, increased purchasing power, and a seamless experience in achieving their goals.


Theecode's lending solution, GLENZY, plays a pivotal role. GLENZY caters to the unique needs of SMBs, facilitating a smooth B2B and B2B2C lending experience. The solution connects lenders with multiple partner banks, streamlining the loan application and approval process. This ensures that SMBs can access funds efficiently and continue to grow their businesses.

Additionally, GLENZY empowers merchants by providing them with greater control over their operations. The solution offers features that enable merchants to track installations, monitor customer payments, and gain valuable insights into their business performance. By providing transparency and convenience, GLENZY allows merchants to optimize their strategies and drive growth.

A Three-way win is the biggest triumph in every battle! Let us help you achieve them quicker and faster through GLENZY!

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