Supplier Payment Solution (SPS) : A Fast-Track Approach to Optimizing Liquidity

In today’s volatile economic environment, supplier payment processes have evolved from mere administrative functions into strategic levers for liquidity, resilience, and competitive advantage. According to a 2024 report from Ellisphere, 53% of French businesses reported payment delays exceeding contractual terms, a significant increase from previous years. Additionally, data from S&P Global suggests that the average Days Sales Outstanding (DSO) for French companies has risen, impacting liquidity management and financial stability.

With the Banque de France forecasting a modest economic recovery in Q1 2025 after a period of stagnation, businesses must rethink their approach to supplier payments. Modern, data-driven funding strategies are no longer optional – they are essential for navigating uncertainty and securing financial stability.

CRX Markets’ Supplier Payment Solution (SPS) provides a seamless way for companies to extend payment terms by up to 60 days while ensuring suppliers receive on-time payments. By leveraging its partnership with Delfactis, a regulated payment service provider, CRX Markets helps businesses enhance liquidity management without requiring direct supplier involvement.

A Strategic Shift in Supplier Payment Solutions

Delays in supplier payments can have a cascading effect, weakening supply chains and leading to higher financing costs as businesses struggle to secure liquidity, face increased borrowing expenses, and experience restricted access to capital. Traditional models, with their rigid structures and lack of transparency, limit operational agility. SPS is designed to help businesses achieve financial agility while strengthening supplier trust. Key benefits include:

• Extend Payment Terms Without Supplier Disruption: Buyers can extend terms up to 60 days while ensuring suppliers receive payments at invoice maturity.
• Maximize Cash Flow from Day One: Unlock immediate liquidity benefits without disrupting existing financial structures.
• Take Advantage of Cash Discounts: Ensure timely payments to suppliers while benefiting from negotiated discounts.
• Lean Legal and Accounting Structure: Simplifies financial administration and ensures compliance with regulatory standards and internal governance policies.
• Quick and Easy Implementation: The solution integrates seamlessly with existing workflows for rapid adoption.
• Multi-Funder Capabilities: SPS connects businesses with multiple banking partners, ensuring diversified funding sources and increased financial flexibility.
• One-Stop Shop: Operates as part of a larger financial ecosystem, integrating seamlessly with other working capital solutions available via the CRX Marketplace.

How It Works: A Simple Four-Step Process

SPS operates as an efficient, bank-independent funding model that enhances cash flow without affecting supplier relationships. Here’s how it works:

1. Payment Order Initiation: Buyers place a payment order with Delfactis at invoice maturity.
2. Supplier Payment Processing: Delfactis ensures that the supplier receives full payment on time.
3. Extended Repayment Terms: The buyer repays Delfactis within an agreed-upon period (up to 60 days post-maturity).
4. Optimized Cash Flow Management: Buyers benefit from improved liquidity, extended payment cycles, and cost efficiencies.

By integrating SPS into existing financial operations, businesses can create a smoother, more predictable cash flow cycle while reducing pressure on their suppliers.

The Future of Supplier Payments: Evolving Market Dynamic

As global supply chains grow increasingly complex, emerging trends are reshaping supplier payment strategies:

• Regulatory Evolution in Supply Chain Finance: New European regulations emphasize payment transparency and shorter payment cycles, compelling businesses to adopt more agile financing models.
• Multi-Funder Financing Models: Businesses are diversifying funding sources to mitigate risk and enhance liquidity access.
• Supply Chain Disruptions: Increasing global instability, geopolitical tensions, and logistical bottlenecks are causing disruptions in supply chains, making it more difficult for businesses to manage working capital effectively. These challenges necessitate more flexible payment solutions to ensure stability and resilience in supplier relationships.

Companies that proactively adapt to these trends will not only safeguard their financial health but also gain a competitive edge in an unpredictable market.

A Flexible Solution for Modern Supply Chains

Whether used as a standalone working capital tool or complementary to a Supply Chain Finance (SCF) program, SPS provides immediate and scalable benefits. Companies can implement SPS quickly, allowing them to stabilize cash flow, reduce financial stress, and maintain strong supplier relationships—without the burden of extensive administrative overhead, such as manual invoice processing, payment reconciliation, and regulatory compliance tasks.

In an era where cash flow management determines business success, CRX Markets’ Supplier Payment Solution provides businesses with an innovative approach to optimizing working capital and ensuring smooth supplier operations. By enhancing liquidity and reducing financial constraints, SPS helps companies maintain supplier confidence and achieve long-term financial resilience with minimal effort.

Contact the sales team at CRX Markets today to learn how SPS can help your business achieve stronger cash flow, greater flexibility, and long-term financial resilience.