Prominent Finance & Investment Ltd.

Corporate Finance

Working Capital Loan

A Working Capital Loan is a short-term financing solution designed to finance the everyday operations of a company. It is not used to buy long-term assets or investments, but rather to clear up accounts payable, wages, and inventory costs.

At Prominent Finance & Investment Ltd., we understand that even highly profitable companies can face temporary cash flow shortages. Our working capital solutions ensure that your business never misses a beat, allowing you to maintain operations seamlessly while waiting for accounts receivable to clear.

Operational Support

What It Covers

Inventory Restocking

Purchase the raw materials and inventory needed to fulfill high-volume seasonal orders.

Payroll Management

Ensure your staff is paid on time, even during low-revenue months or while awaiting client payments.

Tax & Debt Obligations

Clear pressing corporate taxes, VAT, or short-term vendor debts without halting daily operations.

Overhead Expenses

Cover rent, utilities, and general administrative expenses to keep the business running smoothly.

Get Started

Bridge Your Cash Flow in Four Deliberate Steps

A structured pathway from first conversation to final settlement — no ambiguity, no wasted week. Each stage carries a defined owner, a defined output, and a defined turnaround so your finance team knows exactly what happens next.

7 Days

Avg. Journey

Discovery Consultation

DAY 1

A relationship manager sits down with your finance team to map your cash conversion cycle — supplier terms, buyer credit period, seasonal spikes, and the exact points where liquidity leaks out of your operation.

Facility Structuring

DAY 2-3

Our credit desk engineers the facility around your reality — right-sized limit, drawdown flexibility, tenor aligned to your receivable cycle, and pricing that leaves margin on your product intact.

Rapid Disbursement

DAY 5-6

Once documentation clears, funds land directly in your operating account. No layered approvals, no manual chase — your team can pay suppliers, release wages, or clear a utility backlog within hours.

Graceful Settlement

ON MATURITY

When your receivables mature, settlement flows automatically against agreed instalments. No penalty for early closure, and your credit history builds quietly with every clean cycle — sharpening terms for the next facility.

Understanding Liquidity

The Cash Conversion Gap

Most manufacturing and trading businesses in Bangladesh operate on a 60 to 120 day cash conversion cycle. Between paying suppliers and collecting from buyers, a working capital gap emerges that can strangle even the most profitable ventures.

Our facility is engineered to plug exactly this gap — the money you know is coming, but hasn't arrived yet. Instead of delaying salaries or defaulting on supplier commitments, you keep the wheels turning while your receivables mature.

Product Menu

Four Ways to Draw Working Capital

Short-Term Demand Loan

A lump-sum credit with tenure of 3 to 12 months, repaid as a bullet or in structured installments after your collection cycle closes.

Overdraft Facility

An approved ceiling on your current account. Draw only what you need, pay interest only on the utilized portion — perfect for erratic expense patterns.

Cash Credit (Hypothecation)

Credit line secured against your stock and receivables. The limit adjusts as your inventory value moves, giving you elastic access.

Seasonal Peak Loan

Designed for Eid, wedding-season, or export-quota surges — a temporary boost that expires once the peak revenue lands.

Industry Reach

Businesses We Empower

Prominent Finance has extended working capital to more than 1,400 enterprises across Bangladesh. Our credit officers understand each vertical's revenue rhythm — from RMG order cycles to pharmaceutical batch runs.

Ready-Made Garments & Textile Mills
Pharmaceuticals & Chemical Distributors
Agro-Processing & FMCG Wholesalers
Construction Materials & Steel Trading
IT Services & Software Export Houses
Hospitality, Restaurants & Retail Chains

Assessment Criteria

What Our Credit Team Looks For

Operating Vintage

A minimum of 24 months of active trading history, with proof of consistent turnover through bank statements.

Turnover Pattern

Predictable monthly credits into the operating account and healthy debtor-to-sales ratio.

Clean CIB Record

No classified loans or repeated overdue history with Bangladesh Bank's CIB database.

Trade Verification

Valid trade licence, TIN, VAT registration, and where applicable, ERC or IRC certification.

Profitability

Positive net margin over the last two audited financial years, backed by CA-certified accounts.

Collateral Comfort

Property, stock hypothecation, or corporate guarantees proportional to the exposure requested.

How Much Can You Borrow

The Sizing Framework

Working capital limits are not arbitrary — they follow the Maximum Permissible Bank Finance (MPBF) principle adapted to your business scale.

Micro & Small Enterprises: Up to 25% of projected annual turnover, capped at BDT 1 crore.

Medium Enterprises: Between 20% – 30% of projected turnover, cap of BDT 15 crore.

Large Corporates: Custom-structured against working capital gap analysis, no fixed ceiling.

Paperwork Simplified

Checklist Before You Apply

Business Documents

Updated Trade Licence & Memorandum of Association
TIN & VAT Registration Certificates
Board Resolution authorising the borrowing
Import / Export Registration (if applicable)

Financial Documents

Audited financials for the last three fiscal years
12 months of primary bank account statements
Projected cash flow for the loan tenure
Ageing report of receivables and payables

Owner / Director KYC

National ID and passport-size photos of all directors
Personal net-worth statements
Personal tax returns (last two years)

Security Papers

Title deeds of offered collateral property
Stock statement certified by the auditor
Insurance policies covering inventory

From Enquiry to Disbursal

A 7-Day Journey

Initial Enquiry
Relationship manager assigned within 4 hours of your call.

Document Collection
A courier or field officer picks up your paperwork.

D3-4

Site & Stock Visit
Physical verification of factory, warehouse, and inventory.

Credit Committee
Internal approval and sanction letter issued.

Fund Disbursement
Money transferred to your operating account.

Real Impact

A Story from Narayanganj

Rahman Textile Mills Ltd.

Knit fabric manufacturer, 320 workers, exporting to European buyers.

In early 2024, Rahman Textile secured a large export order but faced a 90-day payment cycle from the overseas buyer. Meanwhile, yarn suppliers were demanding upfront payment and workers needed salaries on the 5th of every month.

Prominent Finance structured a BDT 4.5 crore working capital line within 6 working days. The facility covered raw material procurement, payroll for three months, and utility bills — allowing Mr. Rahman to fulfil the order without renegotiating buyer terms.

"The team didn't just lend money — they understood the export rhythm. My factory never had to slow down."
— Md. Anisur Rahman, Managing Director

Zero Hidden Costs

Transparent Pricing Structure

Charge Component	Applicable Rate
Interest Rate (Reducing)	Starting from 9.50% p.a.
Processing Fee	0.50% of sanctioned amount
Documentation Charge	BDT 5,000 flat
CIB Report Fee	At Bangladesh Bank actuals
Early Settlement	Nil (after 6 months)
Renewal Fee	0.25% of limit

*Rates vary with borrower rating, tenure, and collateral quality. Final pricing communicated in the sanction letter.