“你宁愿拥有现金而不是借用它。没有人说我想要很多库存所以
我可以借用它。“- CFO在农业和采矿机械
需要更多公司使用客户提供的供应商门户，以便在发票，查询发票状态，收到早期付款等。
Generally, a supplier portal provides a mechanism to interface, communicate and capture information between the buyer’s supplier community and the buyer’s internal organizational units, typically deployed on a software-as-a-service basis in the cloud. While no exact data exists today, industry experts estimate roughly 10-30% of companies are using some form of supplier portal technology, and manycompanies will work with multiple supplier portals.
其中一些门户网站提供早期薪酬金融，无论是通过单独的动态折扣还是与一些第三方拨款安排。
However, this may be inadequate for a supplier for this reason: The receivables on any individual buyer’s portal may仅占供应商应收账款书或全球应收款项的小百分比。供应商可以转向其他贷方，如资产为基础的贷款人和因素，但对于小型和中型公司的挑战：贷方可能会要求应收款项的留置权，更重要的是，只有基于“符合条件”的应收款项，不包括浓度，跨境和其他应收款项，不喜欢他们。
Companies may need more working capital than they can get through a single portal. Here’s why: One portal may contain the supplier’s relationship with one buyer, but that buyer represents just a small portion of the supplier’s total accounts receivable. For example, a supplier selling to CVS, also sells to Walmart, Walgreens, Target, Rite Aid and others. A small $20 million plumbing operation may provide facility management services in the Seattle area to McDonald’s, but also has 300 other clients not making them use a supplier portal to manage data and document exchange.
Now, digital B2B lenders can use fast data to scour thousands of individual data points — to instantly create a dynamic credit limit for companies that work on a particular supplier portal but only have a small percentage of receivables running through it. By having an off-platform model, this company can fund as many invoices as they want until they reach their credit limit. Virtually every supplier can be funded — only those in bankruptcy or on government watch lists are ineligible. This new form of B2B lending marries two core competencies:
·Credit and underwriting expertise for invoice finance
·Rapid technology development, including big data/fast data analytics
今天，源代码平台只能根据其平台提供早期薪酬。在希望与供应商生态系统中做更多的事情，P2P缺乏将更完整的提供的知识，并且通过信用周期变化，任何未计时测试的解决方案都可以造成风险。
As more platforms look to enhance their working capital offering, it should be a fun 2019. Stay tuned!
David Gustin runs a research and advisory practice centered on helping financial institutions, vendors and corporations understand the intersection of trade credit, payments and the financial supply chain.This post waswritten while David worked on a special project with The Interface Financial Group. He can be reached at dgustin (at) globalbanking.com
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