Case Study: Unlocking Growth Without Debt – A Smarter Working Capital Solution

By: The OneAM Team
Published Thursday, July 10, 2025 | Estimated read time: 2 min

The Challenge: Strong Growth, Lagging Cash Flow 

A well-established technology services company was experiencing healthy revenue growth, but their long payment terms, sometimes stretching beyond 120 days, were putting pressure on operating cash flow. 

The Constraints 

When exploring options to unlock capital, they found: 

• Equity was too expensive and dilutive 

• Bank loans had restrictive covenants and long approval timelines, and increasing debt was undesirable for their balance sheet 

• Factors had burdensome processes and would get involved with their customers 

They needed a faster, non-dilutive option that wouldn’t compromise control or force payment term negotiations while trying to win or retain customers. 

The OneAM Solution: Early Pay 

The company discovered OneAM Early Pay and was immediately drawn to its: 

• Ease and speed of onboarding 

• Flexibility in selecting which invoices to fund 

• Ability to maintain control of customer relationships 

• Improved competitiveness, enabling them to confidently offer longer terms on contracts 

• Dynamic pricing that improves with data and performance 

The Outcome: Growth Without Compromise 

The customer loved the onboarding experience and working with the OneAM team. As they continue funding receivables, they’ve avoided the high cost and complexity of traditional financing, freeing up time and resources to focus on scaling.  By simply converting one asset type into another - receivables into cash - they’re powering growth on their own terms. 

Learn more on our website and schedule a demo at info@oneam.us.