Supply Chain Finance (SCF)

Supply Chain Finance (SCF) is based on the relationship between the customer, the supplier, and the factor.

The entire process proceeds as follows:

1. Supply Chain Finance Agreement
2. Delivery of goods
3. Request for payment of the receivable
4. Payment of the receivable on the due date
5. Settlement of the receivable on the agreed date

• Factoring allows customers to extend the payment due date for selected invoices, enabling them to better plan their cash flow without formally changing the due date with suppliers
• Maintaining or improving relationships with suppliers, as they receive timely payments through the factor
• Optimizing capital and utilizing external financing without the need for a traditional working capital loan or increasing credit lines at the bank
• Simplifying the payment process – payments are processed through a single partner (the factor) with the support of an electronic platform

• You can be sure that invoices will be paid by the due date
• Improved cash flow and the ability to finance production, inventory, or new orders without having to increase your bank debt
• The invoice due date and contractual relationships remain unchanged – the supplier continues to invoice the customer

• Medium and large companies with significant purchasing volumes from several key suppliers that want to standardize payment terms and free up operational resources
• Companies in industries with longer production cycles or seasonal fluctuations, where there is a need to finance inventory and production without straining relationships with suppliers