For large financial institutions, capital efficiency is more than a financial metric – it’s a strategic lever for growth. For one global provider of mobility-based financial services, improving cash flow and strengthening its balance sheet became a key priority to support long-term expansion.
Scaling growth without comprimising financial strength
Operating across multiple markets, the organization plays a critical role in enabling financing for commercial operations. However, like many global financial companies, it faced increasing pressure to:
- Improve cash flow across business units
- Free up working capital
- Strengthen overall financial performance
A key long-term objective was to improve its credit rating – requiring more disciplined capital management and more efficient funding operations.
Challenging the status quo
Rather than continuing to depend on outsourced solutions, the organization made a bold strategic decision: bring factoring capabilities fully in-house.
This wasn’t simply about replacing vendors — it was about redesigning how financing worked.
By building an in-house model, the company could:
- Gain full control over funding structures
- Reduce external dependencies on third-party funders for handling underwriting, funding and collections
- Align operations with long-term financial goals
- Strengthen customer ownership
Building from the ground up
The initiative was a true greenfield project, designing and implementing a new factoring platform from scratch.
Working closely together, the teams focused on:
- Embedding industry best practices
- Aligning the platform with internal workflows
- Ensuring flexibility to adapt to evolving requirements
- Designing a international blueprint solution to be rolled out to multiple countries
Strong collaboration and rapid iteration were essential to maintaining momentum and delivering a solution aligned with both operational and strategic needs.
Turning efficiency into competitive advantage
The transition to in-house factoring delivered measurable and lasting impact:
✔ Improved cash flow and working capital efficiency
✔ Greater control over financing operations and customer relationships
✔ Reduced reliance on external banking partners
✔ Lower funding costs
✔ A factoring model that can be commercialised and offered to external customers
As a result, the company strengthened its financial position and moved closer to its goal of improved creditworthiness.
From outsourcing to ownership
This shift reflects a broader industry trend: financial captives are increasingly moving away from outsourced models toward owned capabilities.
For this company, bringing factoring in-house wasn’t just about reducing costs — it became a strategic move to gain flexibility, control, and long-term resilience.
The bigger picture
In an increasingly complex financial landscape, control over funding and operations can be a significant competitive advantage.
By internalizing factoring, the organization has built a more efficient, scalable, and future-ready financial model.
Future-proof your financial operations
Looking to improve capital efficiency and unlock new growth?
Whether you’re optimizing working capital or building in-house financial capabilities, Aptic’s CLVR platform helps you operate smarter, faster, and at scale.
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