Unlocking Capital. Creating Opportunities.

Our focus is to make it easy for large enterprises to facilitate on-demand working capital for their suppliers, using our trade finance expertise, user friendly technology platform and partnerships with 3rd party capital provider

Challenges faced by large Enterprises

01

Balancing priorities of maintaining days payable with strengthening supplier relationships

02

Addressing persistent follow-ups from suppliers for invoice payments

03

Negotiating cash discounts for early payments bilaterally with each individual supplier

04

Early payments to suppliers can exert pressure on working capital

05

Mismatched receivables and payables cycles

Challenges faced by Suppliers

01

Long receivables cycles exert pressure on a supplier’s ability to meet financial commitments

02

Pressure on funding limits a supplier’s ability to pursue business growth

03

Traditional lending burdens a business with debt and can fall short of business requirements due to credit quality limitations

04

Traditional lending may require collateral, guarantees and incurrence of fixed costs

05

Reliance on informal lending sources can prove to be prohibitively expensive

06

To manage liquidity, suppliers rely on early payments in an ad hoc manner in the absence of an organized program

HOW CREDABLE WORKS

STEP 1

ERP Integration

The Early Payment platform is customized and integrated with the ERP system of the enterprise client. The platform acts as a digital marketplace for each supplier of the anchor enterprise

STEP 2

Upload Invoices

The anchor enterprise uploads all approved invoices onto the marketplace for suppliers to be able to request early payment of their invoices

STEP 3

Early Payment Request

Suppliers activate their accounts to view their invoices, choose an early payment date and offer a flat percentage discount in exchange for the early working capital

STEP 4

Requests Approval

Enterprise client has complete control in terms of reviewing the payment requests. It can suggest an edit, or approve the early payment requests

STEP 5

Access to Capital

The CredAble platform has capital providers integrated into the system. When a payment request is accepted, the platform facilitates the early payment into the supplier’s account

STEP 6

Enterprise Payment

On the invoice due dates, the anchor enterprise makes the invoice payments, which are credited to the accounts of the relevant capital provider

Benefits of the early payments for suppliers