Construction is won in execution but suffered in cash flow: progress estimates, withholdings, scope changes and cost variations. A SOFOM lets the group keep pace without stopping projects.
Companies face:
Misaligned cash flows
Payments tied to progress estimates
Withholdings and deductions on every progress payment
Constant changes in material and labor costs
A SOFOM of your own lets you professionalize financing without compromising operations.
FINANCIAL ENTITIES THAT
DRIVE THE CONSTRUCTION SECTOR
We build models that sustain long projects, absorb withholdings and cost overruns, and finance growth in an orderly way, under formal and sustainable structures.
THE FINANCIAL REALITY
OF THE INDUSTRIAL SECTOR
01
Cash flow doesn't match the real pace of the project
Capital goes into payroll, subcontracts, materials and machinery, while income depends on progress estimates that can take weeks or months to be paid, creating constant pressure.
02
Withholdings and deductions reduce available cash
In public works and large developments, withholdings represent resources already accrued that are not available during execution, forcing companies to become undercapitalized or to take on external debt.
03
Changes in material and labor costs
Price volatility can disrupt budgets mid-project, affecting margins and liquidity before contractual adjustments take effect.
04
Delays and cost overruns that disrupt the financial plan
Scope changes, weather, permits or client decisions can extend timelines and create extra costs not contemplated in the original financing.
05
Fragmented, disorganized financing
Bank loans, external factoring, suppliers and leasing firms create scattered structures that raise financing costs and complicate cash-flow control.
BY HAVING
WITH YOUR OWN SOFOM YOU WILL HAVE
Immediate liquidity without slowing credit sales
Turn completed progress into immediate liquidity and keep the project off the client's payment calendar.
Immediate liquidity without slowing credit sales
Finance planting, growth and harvest with capital designed for the real timing of the field, without forced payments before income comes in.
Working capital for new contracts (revolving lines and start-ups)
Take on new projects with financial backing from day one, without straining your operation.
Machinery and technology without depleting capital
Decide who to lend to, when and under what criteria, evaluating productive reality rather than the rigid requirements of traditional banking.
Supply chain under control (early supplier payment and inventory)
Secure inventory and strengthen key suppliers with planned liquidity.
Working capital for new contracts (revolving lines and start-ups)
Get cash flow by financing inventory and price hedges, letting you wait for better market conditions without dumping your harvest.
Machinery and technology without depleting capital (payments aligned with productivity)
Invest in productivity today and pay with the returns your own operation generates.
Supply chain
under control
Integrate agricultural insurance and restructuring schemes that protect your operation against climate or health events.
Solid financial structure (orderly risk and clear reporting)
Bring order to risk, professionalize credit and grow with clear, traceable financial information.
A SOFOM of your own lets the producer stop operating solely as a farmer and become a financial player
TURN YOUR VISION INTO A SOFOM READY-TO-OPERATE
TURN YOUR VISION INTO A SOFOM
READY-TO-OPERATE
If your industrial company is ready to evolve its financial structure, a SOFOM (Financial Institution) of its own can become the strategic enabler that guides your growth.
At Grupo IBC we help you analyze scenarios, define the appropriate structure and estimate the real impact on your industrial operation.
Schedule a diagnostic session and clearly assess whether this model is the next step for your business group.
At Grupo IBC we help you analyze scenarios, define the right structure and estimate the real impact on your industrial operation.