Treasury Delta’s corporate treasury RFP platform: How does it work and why collaborate?

| 18-11-2020 | treasuryXL | Treasury Delta | Having a hard time dealing with complex and time-consuming RFP processes?

Read more

Partner Interview SpendLab | Leaders in Spend Justification

17-11-2020 | treasuryXL | SpendLab |

SpendLab Recovery generates liquidity for clients by using their Accounts Payable Recovery Analyzer (APRA). APRA is a technology platform that combines over 400 algorithms, Big Data, AI, and machine learning, and audits all the raw Accounts Payable data in any ERP system to identify anomalies. Several examples of anomalies include but are not limited to: undue payments, double invoices, overpayments, and overpaid VAT. Over the past years, SpendLab has analysed over 321 million invoices and has recovered more than €200 million EUR for its clients.

We asked the company 10 questions, let’s go!

INTERVIEW

1. Can you tell something about SpendLab Recovery?

SpendLab is the Dutch market leader in spend justification and has grown significantly during the past years. The organization is a former spin-off of the Dutch government with a 98 year old heritage in procurement. SpendLab is specialized in generating liquidity for clients by analyzing- and identifying anomalies in raw Accounts Payable data. Besides the generation of liquidity as part of Treasury, we provide compliance reports that are used by our clients to achieve compliance objectives.

2. What was the main reason to start SpendLab Recovery?

During our analyses back in the day we identified that a significant number of invoices and payments were processed incorrectly in Accounts Payable departments of organizations. As a result of these incorrect processes, liquidity could be recovered over multiple historical years.

During the years we significantly invested in our technology in order to provide our clients with a value proposition that is comprehensible, covering all aspects of an Accounts Payable recovery audit. Despite the approval of financial years by Auditors and Accountants, we are able to recover liquidity from the Accounts Payable for our clients. Nowadays we provide liquidity, a 100% analysis of the administrative Accounts Payable processes, and compliance -and risk reports that can be used for compliance purposes.

3. What is, in your perception, the core issue that SpendLab Recovery solves?

Administrative departments within organizations consistently encompass irregularities that lead to the loss of liquidity, despite the level of automation that is adopted. There will always be a continuous flow of business operations inside an organization, and if there are any checks in place, then these checks are mostly reactive and are used as an add-on for a team or employee. SpendLab specifically focuses on the Accounts Payable and is able to identify any irregularity within the raw AP data. Thereupon, we recover rightful liquidity for clients that they can use for value-adding activities.

4. What are the biggest advantages of using SpendLab Recovery?

From our own perspective the generation of liquidity from the Accounts Payable of financial years that were audited and ‘’closed’’ is a great advantage for our clients. Specifically, we are remunerated for the amount of liquidity that we recover.

In terms of Procurement, the Procurement department is usually in the lead during the contracting phase. However, after this phase a lack of insights and active control exist in how suppliers perform in processing invoices. Through our approach and the methods that we use, you could say that we are educating the suppliers of our clients in processing invoices correctly. Besides, it creates awareness that our clients are performing Accounts Payable Recovery Audits on a structural basis.

5. How does the customer project phase looks like from start till actual results?

Our recovery analysis consists of six project phases and requires approximately four months to conduct. The first results will be visible after only eight weeks. Below the project planning can be found.

6. How fast can customers experience the impact of SpendLab Recovery after implementation?

The average lead time of a recovery project is four months. The first payments from suppliers, however, will be collected after just two months. SpendLab is only charged based on the payments that are received, on the basis of no cure no pay.

7. What is the biggest challenge you ever experienced with SpendLab Recovery?

In the very beginning of Account Payable recovery audits, research was done based on spreadsheets. In the past five years we have invested significantly in our IT-platform APRA®. Nowadays, we have a team of more than twenty employees in the Technology department that are continuously developing software for Recovery. The transformation from manual research to automated research in combination with Machine Learning and Artificial intelligence has been the biggest challenge within SpendLab, and could not have been possible without the team and the investments that had to be made.

It has been a challenging choice to completely focus on IT development. However, this choice has enormously helped our organization in optimizing our service, identifying anomalies in Accounts Payable data, and remaining thought leader in the field of Accounts Payable recovery.

8. What have been the latest successes around product development?

Remote and safe access to ERP systems. Whereas our Data Collections team used to literally fly all around the world to align data requirements and to safely collect the raw data of the Accounts Payable that we need for our recovery audit, we can now align and safely collect (ISO:27001; ISO:9001 certified) the data remotely with and from our clients. SpendLab is now able to conduct a complete Accounts Payable recovery audit on a remote and digital basis. Since March 2020, COVID-19 has only accelerated this level of digitization and the service that we provide for our clients.

Moreover, as an organization we have completely changed our way of working. We now work from our platform on a digital and remote basis. Just like every success, this could not have been achieved without challenges.

9. Can you give us an outlook on the product developments and tell us a bit more about your vision?

We have gone from subsequent recovery analyses over five financial years to periodical visualizations. Together with our clients we have developed a complete recovery service, which we can utilize several times a year over the current financial year. Instead of conducting subsequent recovery audits, we are now aiming to provide our clients with a subscription agreement in which some of our clients even take care of the recovery themselves.

Despite that organizations keep optimizing their internal -and external processes, there will always be errors in processes. Based on the collaboration with and input from our clients, we have invested in optimizing our compliance -and risk reports. We can now offer the visualization of these reports in Power BI, which allows our clients to have live and real-time insights in the Accounts Payable.

10. The world is always changing, how does SpendLab Recovery stays one step ahead of its competitors?

SpendLab has always chosen to conduct Accounts Payable recovery audits only, and we are now an absolute leader in spend justification. This leadership role allows us to partner up with top leading international organizations and to discuss the current and future capabilities that they require from our recovery service. By commencing structural dialogues with leading organizations and system suppliers we challenge tomorrow’s needs in Accounts Payable solutions.

 

Interested in a free SpendLab Recovery demo and see how your company can benefit?

Contact us!

 

Partner Interview Nomentia | Best-of-breed cash & treasury management solutions

10-11-2020 | treasuryXL | Nomentia |

It has been a crazy year for OpusCapita with a lot of positive changes. OpusCapita recently joined forces with Analyste and merged into Nomentia.

Nomentia is a Nordic powerhouse for global cash management. By believing in a world in which businesses can make the right decisions no matter how unpredictable the times are, their SaaS-based platform offers solutions for cash forecasting & visibility, global payments with bank connectivity, reconciliation, in-house banking, guarantees, and FX dealing. Nomentia currently serves 2,300+ clients in over 100 countries processing more than 200 billion euros annually.

AN INTRODUCTION TO…

 

Meet Jukka Sallinen , Deputy CEO at Nomentia.

Jukka is a cash management domain expert with a strong hands-on background from international and complex payment factory and SWIFT projects. Previously Jukka had been working in various R&D roles, focusing on bank and ERP integrations and security topics.

” We are the bridge between finance and treasury ”

 

 

We asked him 9 questions. Let’s go!

INTERVIEW

1. Nomentia, what is the core business and what is its mission??

Our vision is to create solutions that make the life of modern CFO’s and Treasurers easier. We provide best-of-breed cash and treasury solutions that are the bridge between Finance and Treasury. Best-of-breed means that we focus on challenges that matter for modern CFO’s and treasurers to stay ahead of the curve and help their business to prosper.

We solve the challenges that professionals face in their daily work:

End-to-end & total visibility of cash flows is ever important. By visibility we of course mean visibility to cash flows, bank accounts, payments and future cash flows. But today, visibility is also more and more a risk & compliance related challenge. To whom I am going to pay? How do I mitigate the risk of fraud? Another visibility challenge is the whole topic of working capital where cash & liquidity forecasting & analytics solutions will play a role.

While visibility could be classified as internal challenge an example of external challenge Treasurers are facing is financial crime which is globally a trillion-dollar industry. Payment fraud and cybercrime faced by corporates remains significant and growing problem. To fight back corporates are mitigating these risks by harmonizing bank connectivity & payments into a centralized payment hub.

Finally, finance organizations seeking for return of investments from their Treasury or Finance solutions typically look increasing automation and efficiency in financial processes. Automating & harmonizing bank statement processing and accounts receivable reconciliation (automatic matching) holds typically largest savings potential.

By focusing on these challenges that matter to modern CFO and Treasurers, Nomentia is different. Monolithic finance and treasury systems are not quick and flexible enough to face the challenges of today and thus remain largely un-used.

2. OpusCapita recently formed a new company together with Analyste. What was the main reason for this? 

There is a growing need for choosing best-of-breed cloud solutions to solve particular business challenges today’s organizations are facing, which cannot be addressed by traditional monolithic tools. And treasury and finance organizations are no different. We are in a journey to create a leading cloud native cash management company as one.

3. What constitutes this Nordic powerhouse?

We took the best practices of both companies and combined them into one integrated solution for Finance and Treasury professionals. Nowadays, companies need multiple tools and systems. Is anyone convinced that the trend would go backwards? I mean look at your mobile phone. More apps keep coming and we as consumers add more. As business consumers we don’t want to be different, right?

A modern company needs a sales and customer relationship management, marketing automation tools, billing systems, project management tools, HR systems and various business solutions – and Finance & Treasury are no different. Often at some point we fall into the trap of looking for one platform to solve all challenges. But there never will be one, because we cannot possibly know everything a platform needs to solve to adapt in changing business environment. You end up using only small fraction of such monolithic platform with a very high price tag or building very customized solutions.

4.You talk about best-of-breed, what does it mean and what is the customer benefit?

Now, what does this mean for treasury and cash? A one-for-all solution would be a single solution to solve all your finance & treasury & cash management issues. That at least used to be sort of IT’s dream come true. One can clearly see benefits such as having less systems to integrate or less business partners to deal with. Also, commonly heard argument is to claim you would have “all the data at your hand in one place” which often shrinks into a mere sales argument.

While choosing best-of-breed companies can build network of integrated products and solutions. Benefits are often ones like paying and implementing only what you really need, much quicker implementation time and thus quick payback time, more standard features and no customization and vendor locking. Even the integration – a classical tarpit in IT projects – is often surprisingly simple because best of breed providers works very well together

Treasury or Finance is not an island. It is not the treasury that really is changing but the world around it. How companies are purchasing goods, sales are becoming digital, buying journey shifting to marketplaces and technology and software connecting everyone and concerning almost any business will sure keep changing the work that needs to be done by Treasury and Finance teams. Our claim is that networks and best-of-breed is more adapted to change.

5. How does the customer journey look like from start till end? And how long does a project take?

This really depends on the customers and their needs and how their internal processes look as well. We adjust to our customers’ needs.

6. Can you give us an outlook on the product developments that are scheduled?

The most important achievement is that we’ve now released our first versions from next generation Nomentia products that are based on a modern cloud architecture. We have been working on for the last four to five years to come up with the next generation – which is by the way already fifth generation if we look how our products have evolved from 80’s. Our customers should expect a whole new user experience from all our applications as many modules have not only got a completely new front end in HTML5 but a backend and business logic as well.

One of the new developments our customers should be looking carefully is that we are bringing better productized analytics capabilities to our next generation product as we speak. With analytics capabilities we mean payment behavior analytics and statistics, performance analysis and working capital related key performance indicators.

7. What has been your best experience in your career at OpusCapita, now Nomentia?

Next spring shall mark me already fifteen years in the company. Both OpusCapita and Analyste had gone such an exciting journey first as an independent company and then as part of larger enterprises, and finally again independent but together. It’s hard for me to rank all the memories I’ve collected with such a fantastic team and individuals that have participated into this journey. However, I still do remember with warmth some of the early development projects that helped us to become more international, such as joining to SWIFT Lite 2 program as global early adopters in 2013. And of course, winning the hearts of first global customers for the new service back then.

I’ve always got inspiration from challenging projects, working with new technology, and working to productize something that no one has done before. I feel that our employees at Nomentia are in a privileged position, since we work with such an exciting customer base and deliver software for so critical processes.

8. What has been the biggest success story of OpusCapita, now Nomentia, so far?

Although both Analyste and OpusCapita  have their roots in early 80’s we’re truly living the moments of biggest success right now. The company has never been filled with such a talented people, have such great solutions, and finally a market position to grow and create a European (or rather global) Fintech success story.

9. The year is 2025, what have been the OpusCapita/Nomentia successes over the last years?

The world of CFO and Treasurer is changing probably faster than never. Our five-year plan is obviously to grow significantly, which means double-digit revenue growth year-on-year. Much of our growth comes from international markets where I would expect us to cement our positions in several new markets as a viable and market leading choice of a modern CFO.

We will be significantly larger and stronger European Fintech company than we are today. When it comes to successes, I believe it is all about the journey rather than single events. We must work hard every day to win our customers hearts, and to have an atmosphere where employees find it exciting to wake up every Monday and be a part of our success story. Work hard, learn something new every day, and do it with a smile, and the journey will reward you.

 

Which funding will be best for Entrepreneur Bert? (dutch item)

| 09-11-2020 | Stichting MKB Financiering | treasuryXL

Ben je ondernemer met plannen en ideeën? Wil je uitbreiden, groeien, investeren? Wat let je? Goede plannen verdienen het om uitgevoerd te worden. Immers, een goed plan levert rendement op. Je weet precies wat je wil en je weet wat het effect zal zijn van de investeringen. Nog één ding even regelen: de financiering. Want de vraag is: krijg je de financiering rond en zo ja bij welke geldverstrekker en tegen welke voorwaarden? En hoe belangrijk is de prijs?


Wat is de best passende financiering?

Ondernemers met een financieringsvraag doen er goed aan om tijd en rust te nemen om naast de goede investeringsbeslissing óók de beste financieringsbeslissing te nemen. De vraag is: wat is de best passende financiering? We zijn gemakkelijk geneigd te kijken naar de prijs, maar is dat het beste beslissingscriterium?

De context bepaalt

Een voorbeeld, je wilt een fiets kopen, splinternieuw. Je hebt de keuze uit twee modellen: model I is een stadsfiets van € 950, model II is een tourfiets van € 3.450. Welke kies je? Zonder nadere specificatie is die keuze niet te maken. Het maakt nogal verschil of je de fiets 1x per week gebruikt om wat boodschappen te halen, of dat je dagelijks 30 km naar je werk op en neer fietst. De modellen I en II zijn beide een fiets, maar als product zijn de verschillen groot. De context bepaalt mede welke fiets je koopt en welk bedrag je uiteindelijk besteedt.

Prijs alleen is niet belangrijk

Bij het aantrekken van een lening is dat niet anders. Het verschil van aanbieders vertaalt zich niet alleen in de prijs (de te betalen rente), maar ook in bedrag, looptijd, voorwaarden, zekerheden en snelheid van proces.

Kijk ook naar de voorwaarden

Een voorbeeld: Bert heeft de keuze uit twee leningen van € 500.000. Financier I vraagt 3,5% rente, Financier II vraagt 6,5% rente. Waarom zou Bert überhaupt de dure lening II overwegen? We kijken naar de voorwaarden:

Lening I Lening II
Hoofdsom € 500.000 € 500.000
Rente 3,5% 6,5%
Aflossing 60 maanden 60 maanden
Vervroegd aflossen Boeterente Boetevrij
Zekerheden Verpanding inventaris
Verpanding voorraad
Verpanding debiteuren
Verpanding creditgelden
Medeschuldenaar: holding Bert
Borgstelling: Bert privé  € 125.000		 Geen zekerheden
Duur aanvraagprocedure 7 weken 1 week

Bij Lening I zijn Bert, zijn Holding en de werkmaatschappij met handen en voeten gebonden. Als het ooit fout loopt, is hij privé aansprakelijk en zal ok zijn personal Holding worden aangesproken. Bij Lening II betaalt hij wel meer rente, maar daar staat tegenover dat hij persoonlijk geen enkel risico loopt. Voor de “afkoop” van dat persoonlijk risico betaalt hij een premie van 3% extra rente. Is het dat waard?

Keuze van financiering is persoonlijk 

Dat is een persoonlijke afweging. Een gevoelsmatige afweging. Dát is de context waarbinnen een ondernemer een financieringsbeslissing neemt. Voor Bert was de keuze eenvoudig: rust en vrijheid zijn hem extra rente waard. Lening I is in feite een volstrekt ander product als lening II. Een ander product heeft een andere prijs, net zoals bij het eerdere voorbeeld van de fietsen. Bert kan zich de luxe van Lening II veroorloven.

 

Bron

treasuryXL announces collaboration with Treasury Delta

| 5-11-2020 | treasuryXL | Treasury Delta | VENLO, The Netherlands, November 5, 2020 – treasuryXL, the community platform for everyone who is active in the world of treasury, and Treasury Delta, an Irish FinTech company, which has brought to market an innovative platform that uses digital technology to connect companies, banks and treasury management […]

Read more

Kyriba Webinar: Modernising Global Corporate Payments to Prevent Fraud

04-11-2020 | treasuryXL | Kyriba |

These last few months have highlighted that Payments Fraud continues to be a major problem, with fraudsters quick to leverage the global pandemic, with the amounts involved considerable.

In this session Kyriba’s Paul Simpson will be joined by Helen Alexander from SWIFT and James Bushby from MasterCard, to explain what institutional payment fraud is, with a specific focus on the technology and processes that treasury and finance teams can employ to minimise risk.

In particular, the agenda will follow:

  • What institutional payment fraud is and the internal processes and technology to consider, with SWIFT
  • How a payment hub mitigates against Fraud for Corporates, with Kyriba
  • Introduction to how MasterCard is helping fight Financial Crime

Register your place by filling in the form to your right and we will be in touch!

Date:

November 12th, 09:30- 10:30 (CET)

Contact:

Partner Interview Series | The deeper dive with Treasury Intelligence Solutions (TIS)

03-11-2020 | treasuryXL | TIS |

2020 is a special year in so many ways. For our partner TIS it has been a great year with an expansion of the BENELUX team and a realisation of a double digit growth.

In this interview we will take the deeper dive with TIS Benelux. What have been the greatest successes in the BENELUX? What are the biggest changes in this market? How do you see the future of corporate payments?

TIS (Treasury Intelligence Solutions GmbH), founded in Walldorf, Germany in 2010, is a global leader in managing corporate payments. The Financial Times named TIS as one of “Europe’s Fastest Growing Companies” for 2019 and 2020. Offered as Software-as-a-Service (SaaS), the TIS solution is a comprehensive, highly-scalable, cloud platform for company-wide payments and cash management.

AN INTRODUCTION TO

Meet Aderito Duarte, Sales Executive at TIS and responsible for new business in the BENELUX region.

Aderito has spent over 10 years in the SaaS industry working for different vendors in various sales (leadership) roles, both in local and international markets. He is an ambitious sales professional with a record of over-achievement and demonstrated success in a highly competitive market.

He has a strong background in new business sales and relationship building. Performance, development and contribution are the key words that drive his career and enable him to mobilize the team, partners, clients and prospects.

We asked him 7 questions. Let’s go!

INTERVIEW

1. What is your background and why did you decide to join TIS (Treasury Intelligence Solutions)?

For very long time I worked as a sales executive for large organizations like ADP, Oracle and SAP.  Then I decided it was time for something different, something more agile and more entrepreneurial. At TIS I can act as a true entrepreneur and always put my customers first. I contribute to my customers’ success while having fun and developing myself together with other colleagues from the Benelux Team. I cannot wish for more.

2. Tell us briefly about TIS, its solution and the most important benefits for your customers.

TIS was founded in 2010 in Walldorf, Germany. Its core offering is a cloud-based Software-as-a-Service platform for corporate payments and cash management. Currently there are about 180 colleagues working from six offices globally including Germany, Bulgaria, the Netherlands, and USA. The TIS solution has been successfully used for many years in both large and medium-sized companies, including Adecco Group, Hugo Boss, Fresenius, Fugro, LANXESS, OSRAM and QIAGEN. More than 25% of DAX companies are already TIS customers. Working with TIS allows customers to significantly reduce cost and manual effort in their payment processes. The risk of manual errors can be mitigated, and treasury teams are freed up to direct their attention to more strategic and value-adding tasks. The TIS platform creates an end-to-end payment experience by connecting to virtually any ERP system and any bank with an extensive payment format library. Instead of a plethora of different E-banking tools, all payments can be made securely through one platform, anytime, anywhere. With such consolidation of payments and accounts information, the clients can have a centralized overview of real-time cash visibility.

3. What have been your greatest successes in BENELUX?

Looking at 2020, a year full of challenges for us all, I am very proud that we will realize double digit growth.  Next to that we are building a diverse team with different competences and skills to serve our customers’ needs. Another important aspect to the TIS Benelux success is the strong partner community we are building to support our customers in the region. For example, recently we formed a new partnership with Cashforce and extended our partnership with Orchard Finance.  Above all these achievements, the feedback we receive from customers in the Benelux explains why we received the 2019 TMI award for outstanding customer experience. For example, Simon Karregat, Group Treasurer at Fugro NV says: “With TIS, we have a central overview of worldwide payments, and now just use one platform instead of different banking tools. This enables us to embed our payment transactions within our ERP landscape and realize straight-through processing.” It is always our top priority to generate true business value for our clients.

4. What in your opinion are some of the biggest changes in this market in BENELUX?

Recently we have received many questions from both Treasurers and IT professionals concerning the digitalization or streamlining of the corporate payment process in the big context of the S/4HANA migration. When it comes to SAP (ECC) ERP migration to SAP S/4HANA, there have been a lot of initiatives in the organizations to guarantee a smooth and on-schedule move. The area of corporate payments is a critical part in this migration due to its impact on the group-wide business continuity. It is important to understand customers current needs and determine the appropriate S/4HANA migration scenarios. For that, TIS has published a Whitepaper to help our customers understand the complexity of such migration and the importance of choosing specialist vendors such as TIS in order to maximize the win with SAP S/4HANA.

Another trend we see is, people are working more from home and need the right tools to manage payments, location independently, which potentially increases the risk of fraud. Our view is that payment security is a much broader topic than just payment fraud. Therefore, payment fraud prevention or detection can only be a meaningful exercise when it is an integral part of a company’s overall payment security strategy. While it is not necessary to centralize all the actual payments’ process to prevent fraud, it is key to bring all functions and information together using a single payments’ gateway. Here you can read more how the TIS platform supports our customers to protect their organizations from payment fraud.

5. The world is changing rapidly especially in financial services, how does TIS stay one step ahead of its competitors?

Our solutions are based on a deep understanding of the market, the customer’s needs and our continuously updated vision for the future. Ten years ago, when TIS was founded, there was almost no bank-agnostic payments platform that allowed Treasurers to manage all accounts, transactions, and balances from one platform. Treasurers lacked transparency and cash visibility to make informed decisions. In-house solutions were expensive and time-consuming to develop. Joerg Wiemer, co-founder and Chief Strategy Officer of TIS, was then the SVP and Head of Global Treasury at SAP. He knew the problem inside and out because he was living that problem every day. When the company was founded, the market was still skeptical about using a cloud solution for payments. However, Joerg and Erol Bozak (cofounder and Chief Product Officer of TIS) believed that cloud was the answer to corporate payments and cash management with its high scalability, fast roll-out and a centralized overview regardless of the complexity of a company’s payments landscape. As many treasury teams all over the world are working from home nowadays, a cloud-based payments platform has been proven to be a blessing to our customers who have confirmed to us that they did not have to make significant changes to their payments processes. Meanwhile TIS continuously grows its payment format library, connects to more banks worldwide, and invests heavily in adding meaningful innovations to the platform.

6. In 5 years from now, how will TIS look like?

In 2019 and 2020, two years in a row TIS has been named by the Financial Times as one of Europe’s fastest growing companies. In 2019, the total payment transaction volume of the company was more than that of PayPal. We believe that the demand for agile, flexible and scalable cloud-based payments platform will only grow. This year May, TIS received $20 million additional funding from renowned technology venture funds. We are planning to use this funding to accelerate product development and to further scale operations in Europe and in the US, in order to meet growing international demand. It is hard to predict the future, but I would say in five years from now, TIS will grow its footprint in more regions and it will play a much bigger role in the ecosystem beyond corporate payments.

7. What is TIS’ vision for the future of corporate payments?

Rather than one-stop finance solutions, the future of corporate payments lies in Best-of-Breed solutions. We can observe this trend in the consumer market, where consumers expect to pick and choose from solutions that best meet their needs. In corporate payments, this is still a fairly new concept, however, one with great promise. Corporates get the best products and services in the market that are enabled through APIs, most importantly, that fit best to their specific corporate needs. This new Best-of-Breed ecosystem will also allow corporates to share data more easily with their business partners, helping them achieve better information sharing and service offering.

If you want to learn how TIS can help you gain cash visibility and full control over your payments, please reach out to me via [email protected] or request a demo at www.tis.biz/en.

Appropriate funding, where do you get it? (Dutch item)

| 26-10-2020 | Stichting MKB Financiering | treasuryXL

Uit het onderzoek naar de ontwikkeling van de zakelijke non-bancaire financiering in Nederland dat SMF in juni publiceerde bleek dat de omvang van de non bancaire financiering (€ 2,6 miljard) zó groot is geworden dat niet meer gesproken wordt van alternatieve financiering, maar van non-bancaire financiering. De groei vindt plaats in alle delen van de financieringsmarkt van het MKB (zowel de kleine financieringen als ook de grotere miljoenenverstrekkingen). Tevens werd geconstateerd dat met name bij de financieringsvolumes tot € 1 miljoen het volume van de bancaire financieringen jaarlijks afneemt versus een toename van non-bancaire verstrekkers. De non-bancaire financiers nemen de financieringsrol van de banken in dat segment langzaam maar zeker over.

Het aanbod van financiering is groot en divers geworden, waardoor het voor ondernemers niet altijd duidelijk is waar zij het beste een financiering kunnen aanvragen. De rol van gespecialiseerde financieringsadviseurs wordt in deze markt belangrijker. Zij kunnen de MKB ondernemer begeleiden in hun zoektocht naar financiering. In eerder gepubliceerde blogs hebben wij de verschillende aanbieders van financiering besproken. Onderstaand is een samenvattend overzicht, verdeeld over 4 groepen, opgenomen. Tenslotte is een tabel toegevoegd: dit geeft antwoord op de vraag welke aanbieders gespecialiseerd zijn in welke obligo’s (omvang van bedragen).


Voor het overzicht onderscheiden wij 4 hoofdgroepen van geldverstrekkers:

1.  Non-bancaire geldverstrekkers

Hieronder rekenen wij de financiers die onderwerp waren van het onderzoek van SMF:

  • Crowdfunding / crowd finance
  • Direct lending / investeringsplatforms
  • Kredietunies
  • Factoring
  • Leasing
  • Vastgoed financiering
  • MKB beurs

2. Keten- en transactie financieringen

Hieronder vallen allerlei (creatieve) financieringsoplossingen die partijen in de keten, binnen hun transacties, met elkaar overeenkomen.

  • Leverancierskrediet; hieronder valt niet alleen het gewone leverancierskrediet. Een leverancier kan ook in een éénmalige transactie medefinancieren d.m.v. een vendorloan (verkoop onroerend goed, verkoop onderneming, verkoop machines, etc.)
  • Afnemersfinanciering: Afnemers die vooruit betalen financieren het werkkapitaal van een onderneming.
  • Fiscus: met de fiscus kan men bij achterstand soms goede afbetalingsregelingen overeenkomen. Belangrijk is dat de fiscus “als gewone financier” volledig wordt geïnformeerd en betrokken.

3. Eigen netwerk

Ook het eigen netwerk kan een heel creatieve bron van financiering zijn. Onder deze categorie scharen wij

  • Eigen inbreng van de ondernemer
  • FFF: Family, Friends en Fans
  • WNP: Werknemersparticipatie
  • Informal investors
  • “collega” ondernemers: andere ondernemers uit het eigen netwerk die elkaar helpen

4. Overige traditionele verstrekkers

In bovenstaande categorieën zijn al enkele langer bestaande geldverstrekkers vermeld (zoals factor- en lease maatschappijen). De nog niet genoemde traditionele verstrekkers zijn

  • Banken  en
  • Participatiemaatschappijen

Wie is jouw financieringspecialist?

Het aanbod van financiering is groot. Door het grote aantal verschillende financiers is het de vraag: Wie is SPECIALIST in welk obligo? Immers, voor een financiering van € 10.000 kun je beter niet aankloppen bij een bank. Voor een financiering van € 10 miljoen moet je niet bij een Kredietunie zijn. In onderstaande tabel hebben wij d.m.v. sterren aangegeven tot welke partijen je het beste kan richten. Hierbij zij opgemerkt dat het een indicatieve indeling betreft.

Aanstal sterren

Blanco : Betreffende geldverstrekker richt zich niet of niet primair op deze obligo’s

∗ : Binnen de groep van deze geldverstrekkers zijn er (enkele) financiers te vinden die betreffende obligo’s verstrekken.
∗∗ : deze obligo’s vormen een belangrijke groep voor deze verstrekker
∗∗∗ : In deze obligo’s is de betreffende geldverstrekker een specialist

< € 50k < € 250k < € 1 mln < € 2,5 mln < € 10 mln >  € 10 mln
Non-bancair Toelichting
Crowdfunding

∗

∗∗

∗∗∗

∗∗∗
Direct lening / investeringsplatforms Platforms hebben verschillende doelgroepen.
Er zijn platforms die zich beperken tot € 50.000,
er zijn platform die starten vanaf € 500.000.
Per categorie zijn er specialisten

∗∗∗

∗∗∗

∗∗∗

∗∗∗

∗∗

∗
Kredietunie

∗∗∗

∗∗∗
Factoring Kan per factormij verschillen

∗

∗∗

∗∗

∗∗∗

∗∗∗

∗∗∗
Leasing Kan per leasemaatschappij verschillen

∗∗∗

∗∗∗

∗∗∗

∗∗

∗∗

∗
MKB Beurs

∗∗∗

∗∗∗

∗∗
Vastgoedfinanciering

∗

∗∗∗

∗∗∗

∗∗∗

∗∗
Keten / transactie
Leveranciers

∗∗∗

∗∗
Afnemers

∗∗∗

∗∗
Fiscus

∗∗∗

∗∗
(Eigen) netwerk
Eigen inbreng

∗∗∗

∗∗

∗
FFF

∗∗∗

∗∗∗

∗∗
WNP WNP is primair een arbeidsvoorwaarde

∗

∗

∗
Informal investors

∗∗

∗∗

∗∗

∗
Ondernemers

∗∗∗

∗∗
Traditioneel
Bank Kleine obligo’s worden met standaard-producten bediend

∗

∗

∗∗

∗∗∗

∗∗∗
Participatiemaatschappijen

∗

∗∗

∗∗∗

∗∗∗

Ga voor minimaal 3 sterren

Dit overzicht sluit aan bij de gesignaleerde trend in de markt: de non-bancaire financiers zijn op dit moment in toenemende mate de specialisten voor financieringen tot € 1 miljoen en zij spelen in het segment tussen € 1 en € 2,5 miljoen een steeds belangrijkere rol. In de grotere financieringsvolumes spelen de banken vooralsnog een dominante rol.

Ben je dus op zoek naar passende financiering check het bovenstaande schema en ga dan minimaal voor 3 sterren!

www.stichtingmkbfinanciering.nl

Bron

KYRIBA Global Summit

| 07-10-2020 | treasuryXL | Kyriba |

We are excited to invite you to the first ever Kyriba Global Summit, a free virtual event bringing together treasury, finance and IT teams from around the world to discuss their successes and the latest innovations in cash management, payments, bank connectivity, FX risk management and working capital management.

Hear successes and stories of transformation from some of the most recognized companies in the world with a globally diverse group of speakers.

REGISTER HERE

About Kyriba

Kyriba empowers CFOs and their teams to transform how they activate liquidity as a dynamic, real-time vehicle for growth and value creation, while also protecting against financial risk. Kyriba’s pioneering Active Liquidity Network connects internal applications for treasury, risk, payments and working capital, with vital external sources such as banks, ERPs, trading platforms, and market data providers. Based on a secure, highly scalable SaaS platform that leverages artificial and business intelligence, Kyriba enables thousands of companies worldwide to maximize growth opportunities, protect against loss from fraud and financial risk, and reduce costs through advanced automation. Kyriba is headquartered in San Diego, with offices in New York, Paris, London, Frankfurt, Tokyo, Dubai, Singapore, Shanghai and other major locations. For more information, visit www.kyriba.com.

What kind of investor type matches my company?

05-10-2020 | by Rowan Hermes | Symbid

A venture capital financing process takes, for example at Symbid, on average about 3 to 6 months. Shorter is certainly possible with the right effort and focus. Trajectories of 1 or 2 months have occurred at Symbid. The exact duration of a process depends on various financial, legal and organizational aspects.

Blog continues in Dutch language:

 

Source