4 Ways Gardenia Helped A Leading Media Group Unlock Best-fit Financing
A leading global media group sought £90 million to fund operations and ambitious growth plans. With fragmented data across multiple systems, complex existing debt covenants, and urgent capital needs, traditional financing routes couldn't deliver the speed, flexibility, or terms they required.
Here's how Gardenia's technology-driven approach transformed their financing process, unlocking capital efficiently while maintaining existing credit relationships.
1. Centralise Data with Gardenia Data Factory
The Challenge: The group's financial data was scattered across 5 ERP systems, 1 TMS, 1 CRM, and a procurement platform—making it impossible for potential funders to clearly see the portfolio's true value.
The Solution: Gardenia's Data Factory created comprehensive data integration by:
- Connecting directly to all 5 ERP systems, TMS, and CRM
- Transforming disparate data into a single standardised view
- Establishing daily automated data feeds for real-time visibility
The Result: For the first time, the group had a unified view of their global receivables portfolio, creating a single source of truth that served as the foundation for both initial due diligence and ongoing program automation.
2. Portfolio Analysis and Segmentation
The Challenge: Traditional lenders often overlook or undervalue high-quality receivables due to incomplete analysis of payment behaviours and risk factors.
The Solution: Leveraging advanced analytics, Gardenia's platform conducted comprehensive assessment revealing insights typically missed:
- Predictive analysis of payment behaviours across regions
- Identification of previously undervalued high-quality receivables
- Risk-optimised portfolio segmentation
The Result: This data-driven approach uncovered the true quality of the receivables portfolio, enabling Gardenia to confidently propose a best-fit terms on behalf of the client.
3. Advanced Financial Structuring
The Challenge: The group needed financing that wouldn't disrupt existing debt covenants or client relationships, while maintaining favourable accounting treatment.
The Solution: Gardenia leveraged its analytics platform to design a bespoke structure:
- Bankruptcy-remote SPE enabling off-balance sheet treatment
- Non-recourse financing removing client exposure to defaults
- Trust-based structure accommodating non-assignable receivables
The Result: The innovative structure provided the media group with complete balance sheet de-recognition while preserving existing client relationships and maintaining compliance with all debt covenants.
4. Competitive Funder Sourcing
The Challenge: Securing optimal financing terms that would maximise capital efficiency while providing long-term stability.
The Solution: Gardenia leveraged its network of global funders, including:
- Asset managers seeking long-duration assets
- Pension funds looking for stable investment returns
- Specialised funding structures optimised for receivables
The Result: By comparing multiple competitive offers, Gardenia delivered a £90 million facility with a 3-year term, 90% advance rate, and just 2.25% interest above 1-month base rate—significantly more favourable than traditional bank financing options.
5. Algorithmic Management
The Challenge: Traditional receivables programs involve substantial operational overhead with manual verification processes and extensive documentation requirements.
The Solution: Gardenia's platform enabled fully automated program management:
- Real-time invoice data collection directly from client systems
- Algorithmic eligibility verification using AI-driven analysis
- Next-day funding release for approved invoices
- Zero-touch reconciliation and compliance checks
The Result: The media group maintained their existing client payment processes with no changes to banking relationships, while gaining access to next-day funding with minimal documentation and zero additional complexity.
The end result? A £90 million Early Pay Receivables Finance Programme delivering the flexibility, terms, and operational efficiency the group needed to execute on their strategic growth plans—all with zero disruption to existing operations or banking relationships.
Want to learn how Gardenia can transform your access to financing? Visit gardeniatech.com/contact-us to book a personalised demo.