treasury management

As a business involved in financing, investments or exporting and importing one of your biggest exposures to risk comes from the world's financial markets. Changing currency values or interest rate levels can all impact on your performance.

our risk management service to commercial clients includes:

foreign exchange risk

Foreign exchange risk can occur through a number of different conditions. Creative Commercial Finance works with clients to highlight and analyse these exposures and then produce a strategy that reduces these risks. Particular emphasis is based on ensuring the client receives the best service and price from their current provider, but if they are not, an alternative source is found.

Foreign Exchange Risk usually occurs when a client is importing or exporting and consequently Creative Commercial Finance also provides a Trade Finance service to ensure all aspects of importing or exporting are covered, ensuring that you get paid or receive your goods.

commodity hedging

The use of commodity hedging is becoming more common primarily due to the increase in oil prices – diesel being the most popular. In addition, commodity hedging also has an important impact for agricultural products.

interest rate management

The management of interest rates is now an important part of most borrowing transactions. It enables both the borrower and lender to have a greater degree of certainty about their future exposure. It can also enable the borrower to take advantage of favourable movements in interest rates.

The number of alternatives beyond “fixing or floating” is ever expanding and enables each client’s individual needs to be considered and accommodated. A considered approach can provide the client with a worse case scenario in relation to their future interest payments. With many deals having long maturities, Creative Commercial Finance aims to ensure that if a hedging structure is terminated prior to its maturity that any cancellation costs are either eliminated or restricted to an agreed maximum amount.

Many income streams and costs are increasingly linked to RPI (Retail Price Index). Similar to interest rates the future level of RPI is uncertain so lenders and borrowers can be offered certainty by entering into related inflation linked instruments, to provide certainty of cash flow.

yield enhancement

Creative Commercial Finance can manage for clients the yield enhancement of cash reserves, which can be a very time consuming exercise for clients. Managing this on a daily basis allows the best returns to be achieved.

1. accessibility|
2. privacy policy|
3. site map