Protect liquidity
Maintain the cash buffer your business needs without treating every payable the same
ETR Digital
© ETR Digital 2026
167-169 Great Portland Street, London W1W 5PF, EnglandETR Digital
© ETR Digital 2026
167-169 Great Portland Street, London W1W 5PF, EnglandWorking Capital Notes help buyers protect liquidity, keep suppliers paid and maintain or extend payment terms
Use Flownote to issue digital Working Capital Notes and manage supplier payments alongside your existing financing arrangements
Working Capital Notes help you take control of supplier payments and access short-term financing without straining supplier relationships
Maintain the cash buffer your business needs without treating every payable the same
Give suppliers certainty while your treasury team retains control over timing and funding
Use an existing banking relationship or arrange a working capital facility with a new lender
Agree a working capital facility with your lender, upload transaction data to Flownote and issue a Working Capital Note payable to your supplier
Arrange financing based on discounting Working Capital Notes with an existing bank or a new lender
Add the agreed payment obligation and supplier details to Flownote
Authorised signatories complete the digital Working Capital Note payable to the supplier
Use the note to support supplier payment and financing on the agreed terms
See how Working Capital Notes support supplier payments and more flexible working capital