Securing your initial bank loan early on: a way to secure growth

Several companies involved in the energy transition or tech have recently shown how it’s possible to secure bank financing at an early stage of their development, disrupting conventional credit analysis frameworks. How have they been able to secure their initial bank loan early on? By effectively communicating on their credit story. Their success is also down to their in-depth understanding of how banks work and their ability to garner support within these institutions, as Sébastien Loison and Harald Aschehoug, finance consultants at Redbridge, discuss in this article.

Bridging the Divide: Balancing Legacy Technology and Digital Transformation in Today’s Business Landscape

In a comprehensive exploration of digital transformation of legacy payments systems, Chaira Mekkaoui and Gabriel Lucas delve into critical considerations, covering security, risk management, compliance, architecture, organizational challenges, provider dynamics, and cost implications. Elevate your approach by incorporating their strategic recommendations, paving the way for a successful payment transformation.

The frontiers of innovation in B2B Payments

Digital payments have started to disrupt the B2B space, starting with those sectors where clients are relatively small and transaction value is low, and therefore, the customer journey is relatively close to B2C. Gabriel Lucas, Associate Director at Redbridge, examines the frontiers of innovation in B2B payments.

The fundamental differences between cash management in the US and in Europe

Sarah Gundle, project manager at Redbridge, sheds light on three surprising distinctions that European treasurers encounter when conducting operations across the Atlantic. From managing large volumes of checks to decoding intricate US account analysis statements and understanding the nuances of Earnings Credit Rates, Gundle provides valuable insights and practical solution to navigate in the U.S. banking landscape. 

“How companies can maximise the interest they earn on their cash deposits”

The recent banking turmoil reminds everyone just how important it is to be managing counter party risk. This disarray also demonstrates the strategic nature of deposits for financial institutions. According to Alexandre Bousquenaud, one of the key objectives treasurers should focus on in this environment is negotiating their yield on cash balances to take advantage of ongoing monetary tightening.

The New ISO 20022 Timeline

Initially scheduled for the end of November 2022, the start of banks’ migration to the ISO 20022 standard for payments has been postponed by a few months. Rather than just being something new to comply with, the standard will enable banks to provide new services to businesses thanks to the enriched information that this payment format involves, and there will also be big benefits for corporate. Here’s what we found out about ISO 20022 during SIBOS in Amsterdam last October.

A Guide to Payment Architecture for Merchants

With such a fast-paced and everchanging payment ecosystem, there are no providers that can cover everything a merchant may need. So, how can merchants turn this challenge into a competitive advantage? It all starts with understanding and leveraging payment architecture.

Open Banking and the Need for Instant Treasury

Instant treasury is becoming more of a necessity as treasurers are increasingly looking for solutions that allow real time visibility on their cash positions. At the same time, open banking has become more accepted by many organizations as a result. So, what exactly is instant treasury and how can it be leveraged properly?

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