INVOICE FINANCE

Almost one third of SMEs say late payments are a problem.

USD$3 trillion Invoice finance is now supporting SME’s worldwide.

But they are still often waiting up to 90 days for their initial funds.

Trade LedgerTM helps to overcome these challenges.

Convenience and simplicity
including live data management

Whether you call it invoice finance, receivables finance, open account trade finance or factoring, Trade Ledger’s
business finance platform overcomes the challenges you and your customers face getting the finance they need,
when they need it. Our modern, digital invoice finance technology platform has been tailored to your customers,
brokers and introducers individual requirements, while additionally enabling your front, middle and back-office
staff to originate and manage any invoice finance products at scale.

Trade Ledger’s Invoice Finance solution sits on our ground-breaking orchestration platform. This offers optimum
features to control, support and enhance your customers’ end-to-end financing experience, whilst providing
you with a real-time view of all customers’ business and financial information at any time, targeting profitable
opportunities and reducing risk.

Boosts profitability

97%
potential business volume
increase and 60% dropout
rate improvement due to Improves customer
4m application and experience
-1 hour time
to decision

70% -1 day

reduction in Increases control time to cash

origination costs and efficiencies

97%

reduction in manual
errors

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Enhance customer experience;
retain and attract more
Trade Ledger’s Invoice Finance solution allows you to offer outstanding customer service.
Your customers continually receive positive experiences at all stages of the credit lifecycle,
developing a real affinity with your service and brand. As a result, Trade LedgerTM customers
boost profitability at an exceptional rate, often realising over 200% improvement in cross-sell
rates along with over 90% customer renewal rates.

FEATURES

Offer easy, seamless application and management

INVOICE FINANCE EASILY SHARE APPLICATION

SUPPORT: FINANCIAL DATA: TRACKING:

Digital self-service Help your customers to You and your

application journeys
to support multiple
applications, along with
sets of terms, in a
single process
easily share accounts customers obtain
receivable, accounts real-time updates on
payable, buyers and the status of their
suppliers data, directly application
from their accounting
systems or through
data import tool

PLATFORM SIGN WITH

ANALYTICS: ELECTRONIC
SIGNATURE:
Monitor platform
usage, engagement, Electronically share
conversion and churn and sign documents.
Request signatures,
check status, send
reminders, and view
audit trails within
platform

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Offer full support
and valuable tools to profit
Trade Ledger’s Invoice Finance solution offers a superior support to introducers, relationship
managers and brokers*. The Invoice Finance solution significantly reduces application
processing time to minutes for the full end-to-end digital origination and approval process.
*via brokers point of sale portal

FEATURES

Ensure ultimate operational efficiency

CRM SERVICEABILITY PRICING

INTEGRATION: CALCULATOR: CALCULATOR:

Increase sales and Assess a borrower’s Calculate finance

enhance customer ability to meet terms and
service by synchronising repayments based on application fees to
contact, address and facility size, borrower’s ensure complete
application status income, expenses, and transparency at all
information with your other commitments times
CRM system

CONNECT POWERFUL COLLATERAL AND

ALL BUYERS AND ANALYTICS: GUARANTIES
SELLERS: MANAGEMENT:
Reconstruct, validate
Upload information and assess up-to-date Oversee and manage
about all buyers and P & L, balance sheet physical collateral and
suppliers, identify and aged report directly guarantees
concentration and from your customers’
assess their credit risk accounting systems

4
Manage all risk aspects seamlessly,
easily and automatically
Trade Ledger’s Invoice Finance solution provides a true picture of the business
to your underwriters and risk managers.

Uniquely assessing structured and semi-structured data in real-time, the system

translates this into actionable intelligence for complex credit risk, facility risk and
fraud assessments, helping you to make data-driven decisions.

Our customers have seen a reduction of up to 10% in NPLs (non-performing

loans) with an ability to run continuous portfolio-based risk assessments.

FEATURES
Oversee risk and security more effectively

ONGOING CREDIT LEGAL ENTITY

CUSTOMER SEARCH STRUCTURE AND
ASSESSMENT: CONSENT: RELATIONSHIPS:

Conduct regular Obtain permission Identify, record and

company and to perform credit monitor complex
application-related searches on business Legal entity
assessments owners directly within relationships and
and capture outcomes platform ownership structure

PORTFOLIO LIMIT RISK UNUSUAL

MANAGEMENT
AND MONITORING:
Set up and monitor
portfolio limits against
facility, credit insurance,
customer, buyer, supplier,
industry and portfolio
ENGINE TRANSACTION
MONITORING:
Quickly and objectively
assess risk including Prevent potential fraud
borrower quality, dilution, by identifying unusual
buyer concentration, transactions in real-time
country risk and contract
structure

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Accurately assess individual risk

Trade Ledger’s Invoice Finance solution enables you to

gain a thorough understanding of your customers risk.

Borrower quality: Dilution: Concentration /

evaluate seller’s credit quality
by reviewing their P&L and
balance sheet
compare acceptable levels of
dilution against a reasonable
headroom
buyer quality:
identify acceptable levels
of buyer concentration and
assess the credit risk of
highly concentrated buyers

Debt turn: Buyer country Contracts:

calculate the average days credit risk: detect onerous clauses in
sales outstanding identify acceptable levels of written contracts
country credit risk

Seamless platform integration

including accounting software

Trade Ledger’s Invoice Finance solution enables direct connections to a wide range of data sources, supporting
all the main small business accounting packages within Canada, US, UK, Australia, New Zealand, The Netherlands
and Hong Kong.

UK NL

6
Overcome tech restrictions,
unlock capital flows

Our multi-tenanted platform is the only native cloud platform to support all types of finance products
on a single instance globally. Utilising API-enabled technologies, our open banking architecture was
designed to either replace, enhance or interoperate with your existing systems giving you more time to
focus on your core business – your customers.

LOGIC SITS OUTSIDE LOGIC SITS

YOUR CORE BANKING SYSTEM: OUTSIDE THE CHANNEL

Scale for high volumes Consistent and rich experience

across any and all channels
Improve customer experience
Enables channel renovations at any
Ensures no impact to core banking
time with minimal disruption
system

DATA IN API-DRIVEN TO
ONE PLACE FACILITATE ECOSYSTEMS

Aggregate data from any third-party Easy integration and access to

or in-house systems data, events and functionality

Create a unified data model for your Provides a single, extensible

business finance solutions product catalogue

Derive maximum intelligence for

engagement and cross-selling

MICROSERVICES
DRIVEN:

Maximum agility

Fast delivery

Low risk changes (product launches,

new business models etc.)

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Remove information asymmetries,
drive Open Finance

Trade Ledger’s Invoice Finance solution sits upon an interoperable Open Banking infrastructure. This
supports differing country needs, as well as a configurable API connector with a data transformation
and normalisation engine, to leverage the Open Finance-based ecosystem opportunity. Featuring an
interoperable Open Banking infrastructure layer, it uses dedicated cross-function components and
insights to proactively match lending customers with the right services and facilitates value exchange
across a broad ecosystem of stakeholders for optimum profitability

SYSTEM OF INTERACTION

Web/Mobile Social Chat Call Center

SYSTEM OF INTELLIGENCE

SYSTEM OF RECORD

Core ERP HR CRM ITSM

API-FIRST ROBOTIC PROCESS AUTOMATION

Easy access to better data sources, Faster decisioning, origination and
no integration onboarding

CLOUD-BASED ARTIFICIAL INTELLIGENCE

Infinitely scalable to manage rising Constantly improving
volumes globally analytics

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About

Trade Ledger™ was founded in 2016 to help finance providers deliver SYDNEY LONDON
complex lending services at scale in the new digital economy. With 31 Alfred Street, 27 Corsham Street,
support from Foundation Capital LCC, Hambro perks and a number NSW, Sydney, 2000 Shoreditch, London, N1 6DR
of notable industry high worth individuals, Trade LedgerTM are currently E: paul@tradeledger.io E: roger@tradeledger.io
expanding beyond their UK and Australian operations to accommodate
their fast-growing client base in Europe and Asia Pacific.

www.tradeledger.io Follow us on social