Emma de Jesus’ Post

Supplier payments can have a real impact on your business and its cash flow. If you are a growing business having to pay suppliers upfront, whilst offering credit terms to customers, you may benefit from a facility to help make payments. Here are some of the solutions available to businesses: 💷 Trade Finance – this revolving credit facility is an excellent solution if you are importing finished goods against confirmed orders. 💵 Purchase Finance / Supplier Finance – this can be used to pay suppliers when there is no confirmed order - essentially, you will be bringing the goods in to stock. 💶 Stock Finance – this can be used to leverage funding against stock that is already in your warehouse. Typically, it is only suitable for larger facilities where there is stock in excess of £1m. It needs to be linked with an invoice finance facility and you need a regular stock turn 💴 Buy Now Pay Later - a short term solution to help pay invoices over a term of up to 12 months - no requirement for PGs or debentures Get in touch if you'd like to learn more. #tradefinance #purchaseorderfinancing #cashflow #workingcapital #supplychainfinance #businessfinance

Supplier Finance: Growing in Demand 📈 We’re seeing increasing interest in Supplier Finance—both as a standalone facility and as an add-on to Invoice Finance. This flexible funding solution allows businesses to pay suppliers upfront while benefiting from up to 120 days of credit to repay. It works similarly to an overdraft, with no charges when not in use. Often compared to Trade Finance, Supplier Finance is particularly useful when confirmed customer orders aren’t in place—making it a great alternative for managing stock purchases. 🔹 Key Consideration: Personal guarantees are required. Want to learn more? Get in touch! #supplierfinance #businessfunding #cashflow

Timing is crucial when trying to access funding - most businesses in the B2B space are now pushed towards invoice finance as a working capital solution, however what if you need to access cash earlier in the trade cycle in order to pay suppliers? Here are some of the options available:   Trade Finance – this is an excellent solution if you are importing finished goods against confirmed orders.   Purchase Finance / Supplier Finance – this can be used to pay suppliers when there is no confirmed order - essentially, you will be bringing the goods in to stock. Stock Finance – this can be used to leverage funding against stock that is already in your warehouse. Typically, it is only suitable for larger facilities where there is stock in excess of £1m. If you're looking for ways to access more working capital, then get in touch to learn more about your options. #tradefinance #supplychainfinance #workingcapital #cashflow

Supply chain finance, also known as supplier finance or reverse factoring, is a financing solution in which suppliers can receive early payment on their invoices. Supply chain finance reduces the risk of supply chain disruption and enables both buyers and suppliers to optimize their working capital. Benefits * Improved working capital: SCF helps buyers and suppliers optimize their working capital.  * Lower financing costs: Suppliers can receive financing at a lower cost than their own source of funds.  * Reduced risk of disruption: SCF can help reduce the risk of supply chain disruption.  * Better cash flow: SCF can help buyers and suppliers access cash faster and more efficiently. 

Picture this: a thriving exporter faced with escalating costs and the daunting challenge of maintaining a steady cash flow. 💸 🔑 Invoice Finance allows businesses to improve their cash flow by releasing funds tied up in unpaid invoices. This helps to bridge the gap between invoicing and receiving payment, ensuring steady cash flow to meet operational costs and invest in growth initiatives. ⚙️ On the other hand, Purchase Finance enables exporters to finance the purchase of goods, ensuring a continuous supply chain. This eliminates the need for upfront capital and frees up resources to focus on expanding their business and seizing new market opportunities. #FinancialLiquidity #InvoiceFinance #PurchaseFinance #BusinessGrowth https://lnkd.in/drM2Cfbi

Day 11 ....Optimize Logistics Finance: Unleash the Power of Strategic Credit Facilities for Cost Reduction and Partnership Enhancement. Continuing from the previous day .....4 & 5 4. Invoice Financing Programs: Benefit for Buyers: Allows buyers to optimize working capital by accelerating cash flow through early payment of invoices, leveraging credit facilities to unlock discounts and improve supplier relationships. Benefit for Suppliers: Provides immediate access to cash by selling outstanding invoices to a financial institution, reducing payment cycles and improving liquidity. Example: A food distributor utilizes invoice financing to expedite payments to suppliers, securing early payment discounts and strengthening supplier partnerships while maintaining healthy cash flow. 5. Supply Chain Finance (SCF) Solutions: Benefit for Buyers: Enhances collaboration and transparency within the supply chain by offering financing options to suppliers based on the buyer's creditworthiness, reducing financing costs and optimizing working capital. right? Benefit for Suppliers: Enables suppliers to access low-cost financing based on the buyer's credit rating, improving cash flow and reducing reliance on expensive financing options. Example: A consumer goods company implements SCF solutions to offer competitive financing options to its suppliers, fostering collaboration, and ensuring a stable supply chain ecosystem. By strategically utilizing these credit facility types, both buyers and suppliers can unlock a myriad of benefits, including enhanced cash flow, strengthened partnerships, and reduced costs, ultimately driving efficiency and resilience across the logistics finance landscape. Share your experience.. #LogisticsFinance #SupplyChainFinance #CreditFacilities #CostReduction #PartnershipEnhancement #CashFlowOptimization #StrategicFinance #SupplyChainResilience #FinancialPartnerships #BusinessEfficiency

Are you having difficulty enforcing your terms of sale? Unfortunately, many accounts payables (AP) organizations have their own agendas that encourage extending terms, despite any previous credit agreement to the contrary. Here's what can be done: https://lnkd.in/emgkuPBs #creditcontrol #receivablesmanagement #cashflow

Are you having difficulty enforcing your terms of sale? Unfortunately, many accounts payables (AP) organizations have their own agendas that encourage extending terms, despite any previous credit agreement to the contrary. Here's what can be done: https://lnkd.in/emgkuPBs #creditcontrol #receivablesmanagement #cashflow

The one with the supplier limit restrictions! Navigating the rising costs of materials is an ongoing challenge for many businesses.📈 Growth can be restricted by supplier credit limits meaning that new materials cannot be purchased and valuable time is constantly taken up juggling cash flow. Supplier finance is an arrangement where the finance provider pays supplier invoices upfront so the supplier gets cash quickly and the buyer can delay their payment over an extended period of time. If you would like to know more about how this type of finance works and whether it would work for your business, get in touch. 📞 0330 229 4779 #PathfinderIF, #SupplierFinance, #CashFlowSolutions

How Businesses Should Reduce Suppliers’ Payment Balance Differences. Most times, the balances of what the customers owe the suppliers don’t always agree with what the suppliers’ own closing balances. And this usually causes problems between them. So what are the simple things that customers should do always to avoid these challenges? 1. Customers should have an employee who checks their purchasing orders line by line with suppliers’ invoices to ensure what the supplier brought is what they ordered. 2. Ensure that the supplier that brought goods/services is their genuine supplier. 3. Have a company payment policy and always stick to it. 4. Carry out monthly reconciliation of suppliers’ balances. 5. Send monthly statements to the supplier for comparison. 6. Make Corrections where there are differences. Doing all or some of these above will help reduce issues/challenges that occur between customers’/suppliers’ balances. Tell me in the comment section what you have been doing to ensure you & your supplier have the same closing balances at the end of the month. Repost this so your network will read and apply it.