Get up to 60 days additional payment term
Benefit from improved liquidity and optimized working capital KPIs without involving your suppliers.
With the Supplier Payment Solution, you benefit from up to 60 days additional payment term.
At the same time, Delfactis AG, a regulated payment service provider, pays your suppliers on time.
Improve your liquidity and optimize your working capital KPIs with our innovative solution. All without involving your suppliers.
SPS Use Cases
See how you can benefit individually from the Supplier Payment Solution (SPS).
Initial Situation: As a buyer, you want to optimize working capital and generate liquidity as quickly as possible, without involving your purchasing department and suppliers. You want to benefit from existing discounts while simultaneously optimizing working capital.
SPS Solution: With SPS, you can generate liquidity effects immediately after a quick and easy implementation of the solution into your own workflow. After a payment order has been sent to Delfactis, the payment service provider pays your selected supplier invoice on the agreed payment date. After another 60 days, you will reimburse Delfactis. This allows you to improve cash flow faster and with significantly less effort than traditional supply chain finance (SCF) programs like Reverse Factoring (RF), and it eliminates the need to negotiate payment term extensions with suppliers. Additionally, you can take advantage of discounts and maintain objectives for price margins and EBIT increases while benefiting from better cash flow.
Initial Situation: As a buyer, you already have a SCF program in place, but you would like to leverage the combined effects of both solutions.
SPS Solution: SPS can be used as an addition to a Supply Chain Finance program. It allows you to generate liquidity from suppliers who refuse to participate in the SCF program or who offer attractive discounts for fast payment. Additionally, the SPS program allows for further extension of payment terms with strategic suppliers already participating in the SCF program, significantly enhancing the overall cash flow effects and providing you with multiple financial benefits. The combination of both solutions provides you with the flexibility to manage your cash flow more efficiently and achieve effective working capital management.
Initial Situation: You plan to introduce a SCF solution and set up SPS in advance to achieve liquidity effects from day one.
SPS Solution: As a buying entity, you implement SPS upfront, as the quick and easy implementation allows you to start optimizing working capital immediately while you work on rolling out the SCF. The initial SPS setup creates immediate cash flow benefits, which will increase when the complete SCF program is in place. This approach allows for flexible adaptation to current needs while requiring minimal effort. Once the SCF program has reached the desired maturity, you can choose to complement the program with SPS as in Use Case II or gradually phase out the SPS program.
Benefit from improved cash flow management as well as process stability, as we quickly and easily integrate the Supplier Payment Solution into your existing processes.
Suppliers may not be directly involved, but they will benefit from optimized and more stable processes and cash flow optimization.
The Supplier Payment Solution is perfectly suited for working capital optimization in combination with traditional supply chain finance solutions via the CRX Marketplace.
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Clients who trust us
"The CRX marketplace offers a unified approach for our suppliers and is therefore a great fit to strengthen our supplier relationships. It also gives us the opportunity to work more closely with our partner banks while increasing liquidity and transparency."
Lee Edwards | Group Treasurer, Nestlé
"Supply chain finance with CRX Markets enables us to foster long-term partnerships with our suppliers while improving our financial position. CRX Markets' reliable and continuous support and non-bank financing options are crucial for us to realize the benefits of supply chain finance."
Johan Gyllenhoff | Head of Finance & Group Treasurer, Vattenfall
"With the reverse factoring solution from CRX Markets, we have successfully established another important component of working capital optimization. The supplier financing solution from CRX Markets offers the ideal framework for rolling out the program across national and international SAP company codes."
Johannes Helfrich | Treasury Manager, Doehler Group
"The collaboration with CRX Markets facilitates access to growing markets such as supply chain finance through the securitization of Approved Payables. In particular, CRX Markets' strong expertise, transparency, ease of use and automated processes convinced us to expand our partnership."
Thomas Finkenzeller | Senior Vice President, Portfolio Management, PIMCO
"With CRX Markets, we have found the right partner to optimize our working capital and account payables. We appreciate the high quality of service, the competence and expertise as well as the professional implementation and support of the entire project. "
Frank Kieras | Director Treasury Eckes-Granini Group
With more than 50 financing partners, including banks, institutional investors, and factoring companies, we provide an extensive and diversified pool of liquidity via our CRX Marketplace.
