Close up of the Gardenia Finance dashboard. Shows minimum exposure, exposure by day, exposure by supplier.

Finance Programmes

Simplify financing

Gardenia leverages its data platform to provide faster, smarter, and more cost-effective financing.

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AWS Software Partner

ISO 27001 Certified

Diligence.

Structuring.

Management.

Reporting.

Diligence.

Structuring.

Capture.

Work smarter.

Diligence.

Structuring.

Capture.

Work smarter.

Diligence.

Structuring.

Capture.

Work smarter.

Diligence.

Structuring.

Capture.

Work smarter.

Programmes

Snapshot of the Gardenia Finance dashboard. Shows high-level KPIs, including: minimum exposure, maximum exposure, and average exposure. Shows detailed breakdowns of exposure, by: day and supplier.

Accounts Receivable

Improve your Working Capital Cycle by using external funding to reduce your DSO. Improve your profitability by accessing capital at a lower cost by borrowing against your receivables.

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Two bar charts side by side; left chart shows product categories by UNSPSC segment with electronic components highest, right chart shows supplier IDs with counts, the top supplier having the largest bar.

Inventory

Improve your Working Capital Cycle by using external funding to reduce your DIO. Improve your profitability by accessing capital at a lower cost by borrowing against your inventory.

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Gardenia Technologies AP Exposure dashboard

Accounts Payable

Improve your Working Capital Cycle by using external funding to increase your DPO. Improve your profitability by capturing early-payment discounts offered by suppliers.

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Competitive financing solutions: powered by data, managed by experts.

Data collection & analysis using advanced analytics to tailor bespoke programmes and secure highly competitive terms.

Real time data integration across systems

Performance and risk assessment

Preparation of the diligence package

Structuring & placement of competitive funding offers from our network of leading financial institutions.

Aligning funders, legal, and accountants

Setting up the funding vehicle

Programme placement

Programme management & reporting handled by Gardenia with zero lift from your team.

Programme and Risk Manager

Calculation Agent

Regulatory reporting

Hello 👋 I’m Sonia, Head of Product.

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Analytics built for enterprise

What makes Gardenia different?

We combine our proprietary data analytics platform with financial expertise to deliver tailored financing backed by the world's leading financial institutions.

Gardenia

Integration

Daily data integration from all sources

Diligence

Daily performance and risk assessment

Funders

Multi-funder network

Management

Daily, algorithmic programme management

Auditability

Built-in audit trails and expert preparation of IFRS-compliant reporting.

The Others

Integration

Bi-weekly snapshots

Diligence

Batch-level reviews, with limited granularity

Funders

One-to-one proposals with a single institution

Management

Manual oversight, tied to batch data

Auditability

No in-built audit trail, and manual report preparation.

VS

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Integrates with your systems

Not sure if Gardenia integrates with your ERP, bank, or procurement tool? Tell us what you use, drop your email, and we'll confirm.

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Customer Journey

A financing programme powered by Gardenia

Gardenia Technologies' full-service financing desk structures, arranges, and provides ongoing management of working capital financing programmes. Here's a view of our approach.

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Step 1

Data Integration & Processing

Gardenia runs an audited integration of all sources (ERPs, bank accounts, invoicing systems). We centralise, clean, and structure the data so you have a complete view of your global financial data.

Step 2

Pre-Financing Diligence

The Gardenia platform leverages advanced analytics to enable clients to access best-in-market terms. We run comprehensive credit and performance risk assessment to reveal insights traditional lenders often miss.

Step 3

Sizing & Structuring

Dedicated Structuring specialists work with you to design a financing line based on your business’ needs. Gardenia programmes are often off-balance sheet, non-recourse facilities with multi-year terms, with zero process change to client and banking relationships.

Step 4

Funder Sourcing

Gardenia leverages its analytics platform and position as a non-bank lender to pitch, negotiate and present the best financing options for clients. We regularly speak to banks, asset managers, pension funds, insurance groups, and other institutional senior funders.

Beyond

Programme Monitoring

We handle daily programme management (inc. invoice verification, reconciliation). You access real-time insights through client and funder facing portals. Our dedicated team of structuring specialists provides on-demand expertise and guides your program at every step.

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Explore use cases

AWS Software Partner

ISO 27001 Certified

Snapshot of the Gardenia Working Capital Analytics platform. Close up of the Overview dashboard, showing a summary of company-wide invoices

Explore our demo library. See some of the ways clients use the platform to access best-fit financing.

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