A platform providing several working capital financing solutions
Working capital financing is generally a problem for SMEs since trade receivables represent on average 40% of SMEs’ assets and these are mainly financed by bank debt.
The initial and recurrent sale of trade receivables enables SMEs to a) reduce their debt by the amount dedicated to fund trade receivables, b) free up the equity dedicated to supporting the debt taken to finance trade receivables and c) fund further sales and the associated receivables without any additional debt or equity funding.
Services we provide to SMEs
1.
Invoice Trading
Your trade receivables are sold to our subsidiary which is financed by institutional investors. In this way, you can provide long payment terms to your customers, while still receiving funds early.
Occasionally, we also enable institutional investors to purchase trade receivables directly. This may happen, for example, when the trade receivables do not comply with our investment criteria, or when their purchase would lead to excessive exposure concentration.
2.
Reverse Invoice Trading
You invite your suppliers to upload into our platform the invoices they issue to you. Once these invoices have been approved by you, the suppliers can sell them to us.
This form of financing allows you to pay your passive invoices with long payment terms while enabling your suppliers to get paid earlier. If payment terms are increased, such a product enables you to substitute bank debt with commercial debt, and therefore benefit from financial ratio improvements.
3.
Inventory-backed Invoice Trading
SMEs that purchase goods to resell them to business customers typically face a cash shortfall since they need to pay their suppliers upon goods shipment, while buyers want to pay upon goods arrival or after some months.
Thanks to this product, goods can be used as additional collateral for the transaction. In this way, traders can pay their suppliers immediately, while enabling their customers to pay late.
Other services
Invoices digitalisation
We enable SMEs to produce and deliver digital invoices, as well as to convert paper invoices into digital ones and vice-versa.
Financial and credit analyses
We enable SMEs to analyse their customers and buyers and to perform self-assessments.
Integrated bank account
We provide SMEs with a bank account connected to our platform. This enables SMEs to execute transactions smoothly.
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