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Working Capital Solutions: Payables Financing

Improve your working capital and unlock liquidity from your supply chain by applying tailored financing and risk mitigation practices. We offer a range of buyer-led programs for your specific needs.

A Win-Win for Both Sides: Strengthen Strategic Relationships

Suppliers

Supply chain finance can provide suppliers with quicker access to payments, boosting liquidity and minimizing the necessity for short-term loans. Alleviating financial pressure enables you, as a supplier, to focus on growth, thereby reinforcing your financial standing.

Your Benefits

Improve working capital by reducing DSO and accelerate collections
Access alternative funding
Benefit from competitive pricing and enhanced liquidity
Foster relationships with buyers
Gain transparency on payment status in real time
Save on collection costs, credit insurance, and bank charges

Optimal Balance Sheet Management

Supply chain finance empowers buyers to extend payment terms, bolstering their cash flow and working capital. As a buyer, hold onto funds for longer periods to enhance financial flexibility and stability.

Your Benefits

Extend payment terms to manage cash flow effectively
Capture discounts through structured payment arrangements
Optimize working capital by increasing DPO
Build stronger relationships with suppliers
Diversify risk and funding sources
Use it as an information and risk management tool for treasury

How We Address Your Working Capital Challenges

Harmonize payment terms and strengthen your relationships in the process: Discover how our solutions can help you enhance your short-term operational cash position. Our expert team is eager to provide you with best practice recommendations to sustainably manage your supply chain.

Discover Our Services and Solutions

Reverse Factoring

Reverse factoring is a financing arrangement where a buyer approves financing for its suppliers, allowing them to receive early payment on their invoices at a lower cost, leveraging the buyer’s creditworthiness. This approach optimizes the working capital management for suppliers and strengthens the overall supply chain. The program cost is usually borne by the supplier.

Paying Agent Model

Paying agent models in supply chain finance involve a financial institution or platform provider acting as an intermediary to facilitate payments between buyers and suppliers. This model allows buyers to extend payment terms, while suppliers receive payment from a paying agent (e.g. financial institution), enhancing their liquidity. It streamlines the payment process and optimizes working capital for both parties.

Dynamic Discounting

Dynamic discounting is a flexible payment strategy where a buyer offers its suppliers the option to receive early payment on invoices in exchange for a reduced price. This approach allows for on-demand discounts based on the timing of payment, offering greater financial flexibility to both buyers and suppliers within the supply chain. Costs are borne by the supplier. The buyer uses their own cash, not relying on bank loans or alternative funding partners.

Our Reliable Partners

We collaborate with multiple solution providers to ensure the perfect fit for our customers. Among our valued partners are:

cflox GmbH

cflox is a working capital optimizer, technology provider, and internationally certified payment institution. They develop unique solutions for clients via integration of payments, financing, and working capital.

Raiffeisen Factor Bank

Raiffeisen Factor Bank pays the supplier invoice on behalf of the customer, but does not debit them with the outstanding amount until it is due. This frees up tied-up liquidity in the supply chain and optimizes working capital.

Success stories: What Our Clients Say

Read what our clients say about their successes with our receivables financing solutions.

RBI is supporting us since many years as a reliable and trustworthy partner in various areas and we look forward to continuing this strong partnership together in the years to come.

Stefan Gerl, Head of Corporate Finance, OSRAM Group

With cflox pay, RBI suggested a solution that was completely new to us: Payables financing via payment service provider. We appreciate the innovative approach and are more than happy with this way of improving our working capital.

Kevin Kowalczyk, Vice President Group Treasury, Ottobock

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