Inventory Financing

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PayEx offers a number of solutions for inventory financing. All financing models are based on the PayEx Trading Platform, where product, money and information flows are handled and quality-assured by PayEx. As PayEx always has access to up-to-date information on the status and value of a product, and thus also on the value of the collateral, we are able to offer a high loan-to-value ratio.

Inventory Financing in combination with additional administrative services has created a model that has become popular among franchise companies and purchasing organisations.

Description

Description of the franchise model:

PayEx has developed a trading model in which all trades are made with a purchasing company. PayEx finances and administers the purchasing company’s payment flow and ensures that all supplier invoices are paid on the due date. A supplier also has the option to receive payment before the due date and thus improve its liquidity.

The purchasing company delivers the goods to the connected distributors using a service called Custodial Inventory, in which PayEx ensures ownership of the goods for the purchasing company and receives payment for goods sold in the stores. Under this model, the purchasing company retains ownership of the goods until they are sold, with a right of segregation in the event of bankruptcy. A distributor can thus increase the flow of goods without being dependent on liquidity or the amount of capital tied up in the business.  Each distributor has a limit for its inventory, which is communicated to the suppliers on a daily basis.

For a description of other inventory financing solutions, please contact us.

Benefits

Benefits of the trading model:

  • Guaranteed payment by PayEx on the invoice due date
  • View the store’s limit each day
  • Receive early payment of invoices
  • Secured and controlled distribution
  • One invoicing and contractual party for the whole chain
  • Facilitates expansion and the launch of new franchise stores
  • Ability to increase sales, as stores are not limited by their liquidity
  • Ability to increase sales as the chain expands
  • No need for credit insurance or factoring (if early payment option is exercised)

Terms and conditions

  • Approved POS or other ECR software
  • Connects to PayEx Trading Platform

Customers

Contact us