
Working Capital Finance
Increase Your Company Valutation
Optimize Working Capital and Increase Your Company Valuation
Our deep insight into the financial market allows us to thoroughly understand factoring, banking solutions, pricing structures, and financial strategies. Our Financial Advisory specialists assist CFOs in achieving optimal working capital, improved cash flow, lower interest margins, and the most favorable terms.
Working Capital Finance
Various financial products can help companies enhance their working capital, but not all solutions are suitable for every business or situation. Our team of experts possesses extensive knowledge of these options and works closely with CFOs to identify the best-fit solutions tailored to the company’s specific needs and financial situation.
What Are the Benefits of Partnering with Howden?
- Increased liquidity and financial stability
- Reduced debt and improved capacity for growth investments
- Greater financial flexibility and enhanced risk management
- Higher sales proceeds in the event of a company sale
Howden’s market insight, advisory, and benchmarking enabled us to secure even better solutions and pricing than we thought possible.
Henrik Rennison Hansen, CFO at Maki
Working Capital Finance
- Faktura købes af factoringselskab.
- Benyttes primært af virksomheder med +200 mio. DKK i årlig omsætning.
- Virksomheden kan lukke udestående på sin kunde og bogføre som kontanter.
- Kreditrisikoen er overdraget til factoringselskab.
- Rykkerprocedure kan enten overdrages til factoringselskabet eller forestås af virksomheden, alt efter hvilket factoringselskab der er valgt.
- Factoringselskab udbetaler procentuel værdi af faktura på udstedelsesdato.
- Benyttes primært af virksomheder med under 200 mio. DKK i årlig omsætning.
- Resten af fakturaens værdi udbetales ved forfald af faktura.
- Behandles som et lån regnskabsmæssigt.
- Rykkerprocedure kan overdrages til factoringselskab eller forestås af virksomheden selv.
- Også kendt som ’reverse factoring’.
- Benyttes primært af virksomheder med +1 mia. DKK i årlig omsætning.
- Bruges af virksomheder til at forlænge betalingsbetingelser.
- Virksomheder laver aftale med deres bank om at tilbyde deres leverandører en bekræftet factoring aftale mod længere betalingsbetingelser.
- Vælg en udbyder som teknisk passer til jeres setup og geografiske ambition. Howden sikrer det rette setup, der reducerer risikoen for forkerte beslutninger, revisoranmærkninger og nedbringer interne omkostninger fra FTE.
- Få den bedste pris som understøtter jeres business case. Howden erfaring med bankforhandling sikrer jer de bedste priser. Vores argumentation bygger på tidligere cases og vores viden om bankernes prisfastsættelsesmodeller.
- Vækst jeres program. Factoring med 100% afkøb kan være begrænset af bankernes ønske om at kreditvurdere. Afstem derfor med banken hvad de stiller med af ressourcer til at få programmet i gang og til efterfølgende at vækste det. Supply chain finance programmer får almindeligt sjældent mere end 10 leverandører på deres programmer. Howden vækster jeres program.
Lav den rette implementering. Når først SCF eller factoring bliver implementeret, viser der sig ofte at være problemer med den operationelle implementering. Det skader virksomheden, ligesom der skabes unødvendige gener for dem, som ikke bliver målt på succesen af working capital. Det er for eksempel vigtigt at få afstemt de nye processer, som bankens systemer vil kræve. Howden hjælper med at sikre den rette implementering.
Some of the companies we have helped optimize their working capital.

SEC DATACOM GROUP

SEC DATACOM GROUP
Howden Financial Advisory has acted as an impartial party extremely professionally, created increased transparency, and negotiated prices and terms that I am very satisfied with, as there are significant savings involved. The negotiation result also includes a more lenient security package, which is worth keeping in mind. They receive my highest recommendations. - Lars Zinglersen, CEO.
SEC DataCom Group is a Nordic IT distributor with companies in Denmark, Finland, Norway, and Sweden. In the latest financial year, SEC DataCom Group had a turnover of 1.085 million DKK and a profit before tax of 12 million DKK.

NORIDANE

NORIDANE
We have been very satisfied with the process with Howden Financial Advisory, who analyzed our factoring solution. They identified areas that could be optimized, which were subsequently implemented, resulting in significant savings. Additionally, the time investment from my side matched our initial discussions, which is important to consider in the overall outcome. Howden Financial Advisory receives my highest recommendations as a result of this process.
NoriDane Foods is a trading company that imports and distributes meat. NoriDane Foods operates in 89 countries worldwide with a total of 800 partners. The company has approximately 80 employees and in 2020, NoriDane Foods reported a turnover of DKK 1.3 billion with a pre-tax profit of DKK 20.5 million.

Maki

Maki
CFO Henrik Rennison Hansen states the following: Howden Financial Advisory has advised us on an evaluation and optimization of our factoring purchasing program. We had an expectation that we had competitive prices, as we had previously conducted a tender ourselves, but Howden Financial Advisory's market insight, advice, and benchmarks allowed us to achieve even better solutions and prices than we thought possible. As a result, we have been very satisfied with their work as an independent party.
Maki is the largest toy and game distributor in the Nordic region. Maki distributes over 60 major international brands to more than 5000 retailers, webshops, and dealers in Denmark, Sweden, Norway, and Finland. In the latest financial statement, Maki had a turnover of over 500 million DKK and an operating profit of 63 million DKK.

HT BENDIX

HT BENDIX
We are very satisfied with their work and results. The entire process has been handled efficiently and professionally from Howden Financial Advisory's side. - Claus Østergaard Jensen, CFO.
HT Bendix is a trading company that sells fittings and accessories to the furniture and kitchen industry in Denmark and abroad. In the latest financial year, HT Bendix had a gross profit of 70 million DKK with a pre-tax profit of 26 million DKK.

ABACUS MEDICINE

ABACUS MEDICINE
CFO Henrik Knudsen states that he has been satisfied with the process handled by Howden Financial Advisory and the outcome thereof.
Abacus Medicine is a leading supplier of original prescription medicine in Europe and is based on parallel import - free movement of goods in the EU's internal market. This allows Abacus Medicine to offer medicine at a lower price in the market. Abacus Medicine has operations in over 12 countries with 750 employees. In the latest financial year, Abacus Medicine had a turnover of 3.1 billion DKK and an EBITDA of 79 million DKK.

KK WIND SOLUTIONS

KK WIND SOLUTIONS
Howden Financial Advisory has acted in a structured and professional manner throughout the process, where Howden Financial Advisory has contributed to the creation of a very satisfactory Reverse Factoring program, which meets our expectations. Howden Financial Advisory's expertise in the financial field has been valuable, which is why we believe they are recommendable.
KK Wind Solutions is among the world's leading suppliers of electrical control and monitoring systems for the wind turbine industry with a broad global customer portfolio. The KK group has around 1,400 employees and is owned by A.P. Moller Holding. In the latest financial year, KK Wind Solutions had a turnover of 2.1 billion DKK and a pre-tax profit of 176 million DKK.
Experienced experts in Financial Advisory
Our experts have many years of experience from the financial sector and the payments market, where they have developed a wide range of payment and financial solutions. Read about some of the 2,000+ references Howden Financial Advisory has helped achieve better solutions and prices.
Download Our Financial Guide for the CFO (Danish)
Chief Financial Officer, Accounting Manager, Finance Manager – regardless of your title, this financial guide is intended for those of you who are decision-makers in a finance function, responsible for the company's financing, working capital, currency policy, and risks within these areas.

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Contact us now
Contact Director, Benjamin Feldman, for a non-binding conversation about financial solutions.
Benjamin is available:
Monday – Thursday: 10:00 AM – 4:00 PM
Friday: 10:00 AM – 3:00 PM
Call: +45 60 60 91 49
Email: [email protected]