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Nika Koyava

Through&nbsp;the&nbsp;active engagement&nbsp;of SavvY's team, Gazelle Finance Georgia LLC, an investment fund, has committed to invest a substantial investment of $2,500,000 in Camex Airlines LTD.&nbsp;Gazelle Finance operates as a financing company serving small and medium enterprises (SMEs) in the Eurasia Region, with a particular focus on entities showcasing&nbsp;the&nbsp;remarkable potential for high-growth. Camex Airlines, a cargo airline with nearly two decades of experience in the transportation industry, offers ACMI leasing services and charter/ad-hoc solutions.This is Gazelle Finance's first investment in the transportation sector in Georgia, which marks a significant milestone for the company.&nbsp;Camex Airlines can now enter into lease agreements with multiple lessors, allowing them to acquire and operate four aircraft, including both narrow and wide-body freighters like the Boeing 737-800 BCF. This financial support also ensures the availability of the necessary working capital for the ongoing operations and maintenance of these aircraft. The company received its first aircraft, a Boeing 737-800 BCF, in July 2022 and began commercial flights in August after successfully passing all the necessary procedures. Furthermore, in 2023, two more aircraft were successfully integrated into the existing fleet.<figure class="table" style="width:100%;"><table class="ck-table-resized"><colgroup><col style="width:35.38%;"><col style="width:64.62%;"></colgroup><tbody><tr><td><h1>How we helped</h1></td><td>The project&nbsp;aimed to use Georgia's strategic location for initiating air transportation.&nbsp;To achieve this, SavvY's team prepared an investment package encompassing key tasks such as developing an optimal financing structure, conducting extensive research on potential investors, evaluating investments of potential routes, and performing thorough financial analyses of leasing companies of cargo suppliers (providers).</td></tr></tbody></table></figure>&nbsp;Additionally, our team actively participated in the air cargo value chain process, meticulously assessing the financial viability of partnership terms and requirements. Following&nbsp;careful evaluation of&nbsp;numerous international and local financial institutions and investors, Gazelle Finance, a local private investor, and a bank were ultimately chosen as the preferred sources of financing, each with distinct proportions and conditions.<figure class="table" style="width:100%;"><table class="ck-table-resized"><colgroup><col style="width:27.34%;"><col style="width:72.66%;"></colgroup><tbody><tr><td><h1>Impact and potential</h1></td><td>This investment presents an opportunity for Georgia to amplify its multimodal freight and cargo transit capabilities by establishing new air transportation corridors and trade routes.</td></tr></tbody></table></figure>It enables Camex Airlines to significantly increase the number of orders for additional destinations and become the first air freight company in the country to operate on a transcontinental route.&nbsp;<a href="https://www.interpressnews.ge/en/article/118264-gazelle-fund-lp-invests-in-camex-airlines-an-air-cargo-carrier-in-georgia">See article about our project</a>&nbsp;

Georgia

Camex

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Fundraising

SavvY supports CAMEX in access to finance

SavvY prepared a business plan for a private client. The main purpose of the plan was to determine the demand for the Aberdeen-Angus cattle breed steak on the Georgian market, to provide their transportation from abroad, and to arrange a recipient farm. Additionally, communication with private and public institutions to attract resources was provided. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;During SavvY’s consultation services, favourable and unfavourable conditions for business development in Georgia were assessed based on a PESTEL analysis. After that, the product was studied in detail and its supply and demand were determined according to the Georgian market. Then we defined the target market, where steak should be positioned and who were the main market competitors. Finally, a detailed financial model was prepared where various scenarios were discussed, after which the project was evaluated positively and implementation began. Using the business plan, it was possible to receive a bank loan, with the interest financed by the Enterprise Georgia project. Also, within the project, the government handed over the land on which the farm was built to the client.<h2 style="margin-left:0px;text-align:justify;">Business Plan for Meat Processing Factory</h2>During June 2019, SavvY developed a business plan for meat processing factory. In addition, our team made meat market research in Georgia and depending on market trends, created particular concept for a factory. Also SavvY developed financial model, which provides information about raw materials purchases and includes potential sales assumptions. As a result, client was provided by a detailed business plan document.

Naturveli

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Business Plan

Business Planning & Financial Modeling for Black Angus Farm

The main operating activity of “Meghvineoba Mukuzani LTD” is winemaking and viticulture. The vineyards are located in the village of Mukuzani. The village of Mukuzani is recognized as a micro-zone of “Mukuzani” and has a unique grape harvest, which gives the wine a special aroma.In 2020, under the project, SavvY provided business valuation consulting service to the company based on international valuation standards.

Meghvineoba Mukuzani 

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Asset Valuation

Business Valuation of Mukuzani

In 2020, SavvY prepared a business plan for the production of audio-video equipment, lithium-ion batteries. In the process of working on the business plan, the SavvY team studied key industry characteristics, local market consumption, key players in the world market, as well as import-export statistics. Within the framework of the project, a business concept was developed and financial calculations for 7 years were prepared.

Inovator 

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Investment Teaser

Business Plan For The Production of Audio-video Equipment

Business Plan&nbsp;SavvY prepared the business plan to re-equip and expand the winery in the Telavi municipality, Kakheti. Throughout this project, the team investigated the main characteristics of the wine industry, assessed local wine consumption, analyzed export data, selected potential target markets, developed the business concept, and came up with a 7-year financial projection. The project also included a site visit. SavvY helped Sanavardo raise up to 2 million dollars from international and local investment funds.ValuationDuring the Due Diligence process, the team assessed revenue growth and cost-reduction opportunities and determined the target’s full potential and fundamental value. SavvY’s team also provided a clear view of the target company’s Value and Risk profile based on International Valuations Standards.&nbsp;

Sanavardo

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SavvY supports Sanavardo in access to finance

News

&nbsp;<img src="/uploads/54869489108_7fe79c774f_o_9f94e2dad2.jpg" alt="ITIF 2025">&nbsp; SavvY took part in the International Trade and Investment Forum (ITIF 2025) held in Armenia from October 16–18.- The forum gathered international delegates and representatives from various business sectors seeking to expand their trade and investment activities globally.- During the visit, SavvY actively participated in the business forum, B2B matchmaking sessions, and on-site visits to several local manufacturing facilities.- The purpose of the participation was to enhance SavvY’s regional and international presence, foster new partnerships, and explore cooperation opportunities that contribute to sustainable business&nbsp;growth.

ITIF 2025

SavvY at ITIF 2025

<img src="/uploads/Sales_Association_f1f6d0afc0.jpg" alt="Sales Association">Last week, SavvY attended the business forum “Georgia – Uzbekistan: The Silk Road”, organized by the Sales Association.- The event brought together Georgian companies interested in exploring opportunities in the Uzbek market and showcasing their products and services.- SavvY had the opportunity to interact with many of these companies, exchange ideas, and share insights on market entry and business development&nbsp;in&nbsp;Uzbekistan.

Sales Association

SavvY at the Georgia-Uzbekistan Business Forum

<img src="/uploads/ICTWEEK_Uzbekistan_d2def93104.jpg" alt="ICTWEEK Uzbekistan">&nbsp;SavvY’s representative attended the ICTWEEK Uzbekistan 2025, which gathered representatives of the public and private sectors, international investors, and technology companies to explore the country’s rapidly evolving digital landscape.- The program included major events such as the Startup &amp; Venture Summit, the Offshore Outsourcing Conference, the Web Summit Spotlight, and many more - each showcasing Uzbekistan’s growing role in innovation, venture development, and IT exports.- The event offered an excellent opportunity to learn more about the latest developments in the sector and exchange insights with industry professionals.

ICTWEEK Uzbekistan

ICTWEEK Uzbekistan 2025

Insights

<img src="/uploads/Whats_App_Image_2025_10_02_at_11_59_47_0a30e5e9df.webp" alt="Financial Management Q&amp;A: Key Business Concepts">&nbsp;Financial Management Q&amp;A: Key Concepts Every Business Should KnowEvery day, executives make decisions that affect a company’s future. Behind these choices is financial management, the practice of using money wisely to stay stable, manage risks and support growth. It links working capital, financial reporting and financial asset management, giving leaders a clear view of the company’s health. In this Q&amp;A, we explore the key concepts executives use to make smarter financial decisions.What is financial management and why is it important for businesses?<a href="https://wesavvy.co.uk/services/financial-management">Financial management</a> is the strategic process of handling a company’s finances to achieve its goals. It includes budgeting, forecasting, monitoring cash flow and making smart investment decisions. By applying smart money concepts, businesses can maximize resources and minimize waste. Proper financial management also builds trust with investors, improves operational efficiency and reduces financial uncertainty. In today’s competitive market, businesses that invest in strong financial management systems are better positioned to adapt, innovate and succeed.What is working capital and why does it matter?<a href="https://wesavvy.co.uk/media/what-is-working-capital">Working capital</a> represents the difference between a company’s current assets and current liabilities. In simple terms, it shows how much liquidity a business has to cover&nbsp; immediate debts. Understanding the working capital meaning is crucial for businesses, as it shows their ability to meet short-term obligations and maintain effective operations.&nbsp;Positive working capital means a business can pay bills, manage daily operations and invest in growth. Negative working capital, on the other hand, signals potential liquidity challenges.&nbsp;How does financial reporting support better decision-making?<a href="https://wesavvy.co.uk/services/financial-reporting">Financial reporting&nbsp;</a>provides accurate data about a company’s revenues, expenses, assets and liabilities. This information helps leaders analyze performance, trends and evaluate profitability. Transparent reporting builds confidence among stakeholders and investors, as they can see the real picture of the business. It also supports regulatory compliance and reduces the risk of errors or fraud. From a management perspective, financial reporting enables better decision-making by highlighting which areas of the business are thriving and which need improvement. In short, it transforms raw financial data into actionable insights.What role does a finance manager play in financial management?A finance manager is central to a company’s financial management strategy. They oversee budgeting, forecasting and investment planning, while also ensuring compliance with financial regulations. Finance managers monitor cash flow, assess risks and recommend ways to improve efficiency. Their role also involves evaluating new opportunities and ensuring that resources are allocated wisely. By applying smart money concepts, finance managers help businesses avoid unnecessary costs while boosting profitability. They act as a bridge between leadership and operations, translating financial data into clear strategies that drive growth and stability.What are smart money concepts in financial management?Smart money concepts refer to strategies that optimize financial decisions and reduce waste. For businesses, this could mean cutting unnecessary expenses, reinvesting profits wisely and managing debt responsibly. It also involves diversifying investments and ensuring that capital is used where it generates the most value. In financial management, smart money concepts can help companies maintain healthy working capital, improve cash flow and prepare for unexpected challenges. By applying these principles consistently, organizations can strengthen resilience, support growth and create long-term financial stability.How can companies strengthen their financial risk management?Financial risk management focuses on identifying, assessing and minimizing risks that could harm a company’s financial stability. These risks may include market fluctuations, credit defaults, currency changes or operational disruptions. Companies can strengthen their financial risk management by diversifying revenue sources, maintaining cash reserves and using insurance where appropriate. Strong internal controls and regular financial audits also reduce exposure to fraud or mismanagement. Additionally, scenario planning and forecasting allow businesses to prepare for uncertainties. Effective financial management ensures that risks are not just minimized but also turned into opportunities for smarter decision-making.What is financial asset management and how does it benefit businesses?Financial asset management involves strategically overseeing a company’s investments, such as stocks, bonds, real estate or other financial instruments. The goal is to maximize returns while managing risk effectively. For businesses, asset management ensures that financial resources are allocated where they can generate sustainable value. It also helps maintain liquidity and supports long-term planning. By aligning investment strategies with overall business objectives, companies can balance growth with security. A strong financial asset management approach is part of broader financial management, giving businesses the ability to expand, innovate and protect their future.How does financial management impact business growth?Financial management directly influences a company’s ability to expand and scale. By maintaining balanced working capital, businesses can fund new projects, hire talent and explore market opportunities without putting financial stability at risk. Effective budgeting and financial reporting help management evaluate which growth strategies are sustainable and which may carry too much risk. Strong financial management also ensures that external funding, whether through investors or loans, is used strategically.&nbsp;Why is cash flow management a key part of financial management?Cash flow management is one of the most critical elements of financial management because it ensures a company has enough liquidity to meet obligations. Even profitable businesses can struggle if cash inflows and outflows are not balanced. Monitoring cash flow helps leaders anticipate shortages, avoid unnecessary borrowing and seize opportunities for reinvestment. When aligned with smart money concepts, cash flow management allows businesses to stabilize operations while funding innovation.How does technology improve financial management today?Modern tools and digital platforms have transformed financial management. Automated financial reporting, data analytics and AI-driven forecasting make it easier to understand business performance in real time. Technology also supports stronger financial risk management by predicting market changes and alerting managers to potential threats. For financial asset management, digital solutions allow businesses to track investments with greater precision. Overall, technology makes financial management more efficient, accurate and strategic, supporting companies to compete in fast-changing markets.

Financial Management Q&A: Key Business Concepts

<img src="/uploads/Savv_Y_and_the_National_Agency_for_Perspective_Projects_NAPP_of_the_Republic_of_Uzbekistan_have_signed_a_Memorandum_of_Understanding_2568132631.jpg" alt="SavvY and the National Agency for Perspective Projects (NAPP) of the Republic of Uzbekistan have signed a Memorandum of Understanding..jpg">SavvY has entered into a Memorandum of Understanding (MoU) with the National Agency for Perspective Projects (NAPP) of the Republic of Uzbekistan, marking a new stage of cooperation in strengthening financial transparency and international integration. The agreement outlines joint efforts in several key areas: - Supporting the transition of local companies to IFRS standards. - Aligning Uzbekistan’s accounting legislation with international best practices. - Integrating corporate reporting on the <a href="http://Openinfo.uz">Openinfo.uz</a> platform. - Assisting insurance companies in the implementation of IFRS 17. As an international consulting partner, SavvY continues to actively support strategic initiatives in Uzbekistan and across the region, while fostering global partnerships that promote sustainable economic development.

Hey, I'm Nika Koyava and I'm gonna help you

Projects I've worked on

SavvY supports CAMEX in access to finance

Business Planning & Financial Modeling for Black Angus Farm

Business Valuation of Mukuzani

Business Plan For The Production of Audio-video Equipment

SavvY supports Sanavardo in access to finance

See All projects

Publications

SavvY at ITIF 2025

SavvY at the Georgia-Uzbekistan Business Forum

ICTWEEK Uzbekistan 2025

Financial Management Q&A: Key Business Concepts

SavvY Signs MoU with Uzbekistan’s NAPP

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