Payday loan consultants

In addition to margin loans there are two occasions when a borrower may both draw down a loan and make an agreed deposit with the bank. Tax can provide an incentive where the interest expense on the loan is in a tax regime that allows it as a taxable expense while the interest income from the deposit is earned in a tax haven where it is not taxed.
A company that has highly seasonal cashflows may find itself in a situation where for parts of the year it is cash rich but for other parts of the year it needs external funding. One solution to this financing problem would be for the bank to agree a facility under which the borrower has the right, but not the obligation, to draw down against it up to a specified limit without notice. Another solution is for the bank to make an equivalent loan for the whole cycle but require the customer to deposit its periodical surplus cash with the bank. The bank may be able to offer better pricing for the second solution.