SupplierPlus — a seamless solution

SupplierPlus is a full-service Supply Chain Finance ecosystem for Buyers, Suppliers, and Financiers. As a holistic solution, SupplierPlus caters to the technological, legal, and operational needs of all participants. Launching an SCF program is a complex undertaking, so SupplierPlus is designed for easy implementation and fast time-to-value.

Why work with SupplierPlus?

SupplierPlus represents a truly comprehensive SCF solution. Most bank-led SCF arrangements are limited in the range of buyers and suppliers they can finance, focusing on larger volumes in permitted geographies. SupplierPlus is an unconstrained intermediary that enables unparalleled flexibility and range. SupplierPlus can finance repeat volumes of standard trade flows as well as edge cases with custom structures.
  • Full supply chain
    Cover the entire supplier base, from large companies to cross-border SMEs.
  • Multiple business units
    Service multiple business units in various geographies with a single SCF solution
  • Multiple geographies
    Service multiple geographies and currencies with a single SCF platform
  • Multiple financiers
    Work with a varied pool of financiers to cover different needs (pricing, volumes, seasonality, geography, etc)

SupplierPlus — Seamless Working Capital

  • Buyer has full control over the implementation of the SCF program, selecting suitable Creditors and Suppliers to participate in the structure;

  • The financing cost to the Suppliers is based on the credit risk of the larger Buyer, resulting in competitive rates.

  • Balance sheet optimization:

    • For buyers, the claims remain as a trade payable, creating no loan obligations;

    • For suppliers, early payment is treated as a final settlement instead of an outstanding factoring liability;

  • Suppliers are not subjected to any credit analysis, so easy and instant funding is available to practically all suppliers;

  • SCF program can rely on one or more independent financiers, leaving both the supplier's and the buyer’s existing bank relationships unaffected;

  • For buyers, a well-implemented reverse factoring program helps streamline factoring approvals and payment procedures for higher efficiency.

Case studies

Case study: Retail Chain

BEFORE SCF

  • The payment terms are 60 days;

  • Supplier only has financing available with factoring at 2% per month (24% per annum);

  • Financing cost per invoice is 4%;

  • There is one invoice in the amount 100,000 EUR every month. The financing cost is 4,000 EUR per invoice for the supplier

WITH SCF

  • Payment terms are increased to 90 days;

  • The Buyer extends Supply Chain Finance at 0.5% per month (6% per annum);

  • Financing cost per invoice is 1.5% for the supplier;

  • The financing cost is now 1,500 EUR per invoice for the supplier

BENEFITS

  • The Buyer gains 30 days in payment terms. If the Trade Payables were 200,000 EUR before, then they are increased to 300,000 EUR, releasing an additional 100,000 EUR in working capital;

  • The financing cost for the supplier is decreased by 2,500 EUR for each invoice of 100,000 EUR.

Case study: General Contractor

BEFORE SCF

  • The payment terms are 30 days;

  • Supplier only has financing available with factoring at 2% per month (24% per annum);

  • Financing cost per invoice is 2%;

  • For invoice amount 100,000 EUR, the financing cost is 2,000 EUR for the supplier.

WITH SCF

  • Payment terms are increased to 45 days;

  • The Buyer extends Supply Chain Finance at 0.67% per month (8% per annum);

  • Financing cost per invoice is 1% for the supplier;

  • For invoice amount 100,000 EUR, the financing cost is now 1,000 EUR for the supplier.

BENEFITS

  • The Buyer gains 15 days in payment terms that helps to satisfy the project cash flow needs;

  • The financing cost for the supplier is decreased by 1,000 EUR for each invoice of 100,000 EUR.

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