Is your working capital gap impeding your growth today?

Some challenges are common among service operators in our targeted ecosystems

  • Lengthy receivables cycles from clients
  • Significant mismatch in timing of your receivables and payables cycles
  • Payments to ‘sub-vendors’ typically need to be made upfront and exert pressure on working capital
  • Limited access to traditional lending and process fatigue from application requirements

Pre-invoice stage financing for operators could bridge the gap in timing between payment obligations and client receivables

Just-In-Time Financing Program

  • The Just-In-Time program provides collateral free financing to suppliers
  • Financing is triggered based on occurrence of 'billable' events which can include process milestones such as issuance of PODs
  • Our ‘TravelX’ digital platform automates the financing and tracking process for a specific use case in the transport and logistics sector
  • The platform can be customized for similar ecosystems with mismatched receivables and payable cycles
  • Financial risks are managed using our proprietary credit assessment algorithms



Our sector focus features the following eco-systems

Logistics
Employee Transportation
Facility Management
Raw Materials
Packaging

How It Works

Client Assessment

CredAble has a robust appraisal process to evaluate credit quality based on assessment of the client

Funding Process

Funding milestones and payment frequency can be customized to suit an operator’s requirements

Funding milestones may comprise of any of the following  LR, E-Way, GRN, POD or client approved MIS

Payment frequencies could be daily, weekly or monthly

Collection Process

Unlike traditional lending institutions, the JIT program is not an interest-led financing program

CredAble works as a partner to operators and deploys a revenue-share model