Benefits – Globcred® Liquid Biz™ – when used it backs the floating charge against the short-term current assets (liquid assets portfolio) – and enables HD Faculty™™ to use those assets to make timely payment to employees, suppliers, and service providers in each country wherein it main its business operations. For greater certainty, liquid assets, when used is a portfolio of host country’s cash or cash equivalent, which can easily be exchanged via Pitcapital™, bank, money changer, or a strategic partner to meet the cash facility requirements set by Globcred®, if any.