Growth demands cash. Selling on credit consumes cash.
Vertha structures the liquidity that sits between revenue already earned and money not yet received — with technical analysis, governance and secure formalisation.
Growth arrives before the payment does.
Selling more raises the need for capital before it raises available cash.
Mismatched terms
You pay suppliers, payroll and taxes before the client settles the receivable.
Orders the cash cannot cover
The opportunity is there, but the working capital is still sitting in the receivables portfolio.
Generic credit falls short
Off-the-shelf products ignore the profile of the portfolio, the guarantees and the sector.
The cost of waiting shows up in decisions, not in a spreadsheet.
Declined business
Orders are turned down for lack of working capital, not for lack of demand.
Weaker buying power
Without cash, negotiating with suppliers loses leverage.
Reactive planning
Management starts revolving around this week's cash flow.
A structure designed around your operation.
The right approach is defined during the analysis — not before it.
Receivables advance
Liquidity on performed invoices, receivables and contracts.
Secured credit
Operations backed by real or personal guarantees according to the profile.
Receivables securitisation
A structure supported by the flow and quality of recurring, mature portfolios.
Human decision supported by technology.
Analysis that reads context
A technical team interprets what the model alone cannot explain.
Governance at every stage
Credit committee, approval layers and a full audit trail.
Technology serving the analysis
Data pipeline and credit engine speed things up — without replacing the committee.
Secure formalisation
Legal validation of the instruments before any release.
Let's evaluate your operation.
Request a credit analysis or talk to the institutional team. We will respond according to the credit policy and the operation profile.