Reverse factoring

Provide your suppliers with liquidity earlier

The CRX marketplace enables you to run a reverse factoring program, a solution in the field of payables finance.

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Reverse factoring

Reverse factoring is a financing solution in which you pay your suppliers via a financing partner before the agreed payment term. By confirming their invoices, you enable your supplier to have their receivables financed early, and on better terms. By using a financing partner to pay the supplier’s outstanding receivables early, you give them room to maneuver.

We offer two solutions for the financing of your supplier invoices: Multi-bank and Multi-investor.

Multi-bank

In our multi-bank solution, banks purchase receivables – confirmed by the buyer – directly from suppliers. The banks provide competitive financing conditions and can also be mandated exclusively for individual jurisdictions, currencies or supplier groups. The banks manage conditions and limits directly on the CRX platform as well as daily financing transactions.

Multi-investor

In our multi-investor solution, banks and institutional investors purchase confirmed claims in the form of a security. For refinancing, the supplier receivables against a single buyer are securitized via a Luxembourg-based special purpose vehicle (SPV). The securities are placed by means of open auctions, for which standing orders or live bids can be placed.

Our financing partners

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Your benefits at a glance

Optimization of your cash flow

With reverse factoring you provide your suppliers with liquidity earlier by enabling them to sell their receivables to a financing partner without recourse. Afterwards, you simply pay the financing partner in accordance with your negotiated payment terms. This way, both you and your suppliers can optimize their cash flow.

Strengthening your supply chain

Supply chains are becoming increasingly complex. Offering your suppliers early access to liquidity is a decisive factor in minimizing risks in your supply chain. Early payment of outstanding receivables by a financing partner gives your suppliers room to maneuver. As a result, the supply chain is strengthened in the long term and your relationship with suppliers is improved.

Reverse Factoring

How it works?

1

Supplier delivers goods that have been ordered to customer and issues invoices

2

Customer approves invoices and uploads them to the CRX marketplace

3

Supplier selects invoices for early payment

4

Financing partners pay supplier early with a discount

5

Customer pays nominal invoice amount to the financing partner when the invoice is due

Clients who trust us

"The CRX platform provides a unified approach towards our suppliers and is ideally suited for strengthening our partnerships with our suppliers. Furthermore, it allows us to keep working with our relationship banks while enhancing liquidity and transparency. "

Lee Edwards | Group Treasurer, Nestlé

"We perceive supply chain finance as a crucial tool for strengthening our long-term partnership with suppliers. CRX Markets stands for a highly innovative approach very different from existing solutions offered by banks, not least because it allows for the option of bank-independent financing."

Anja Stranz | Former Head of Cash Management, Vattenfall

"With the reverse factoring solution from CRX Markets, we have successfully established another important component on the payables side for working capital optimization and strengthening our internal financing power. Thanks to the high degree of technical integration (ERP connection) and the bank-independent approach, CRX's supplier financing solution offers the ideal framework for rolling out the program across national and international SAP company codes and taking into account our global sourcing approach."

Johannes Helfrich | Treasury Manager, Doehler Group SE

"The CRX Markets support team provides an amazing experience explaining all functionalities and financing options with the top highest efficiency and professionalism. Not forgetting to mention that, onboarding process and early payment work very fast, delivering a really valued service to the customers."

Tiago Magioni Aouila | Trading Department, Tristão (Supplier of Nestlé)

A marketplace with deep liquidity

As a bank or investor, the CRX marketplace offers you various options for investing in working capital financing solutions. You can purchase receivables from corporates at attractive returns.

Our financing partners

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