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The products

• What is supply chain finance, and what is it not?

  Supply chain finance is financing built around a trade you have with a large company: your anchor. It is not one product, it is not simply “a loan” or “not a loan”, and it is not a way to fund a trade the anchor has not confirmed.

  The products · both sides

• How does getting paid early work when I have already delivered?

  You deliver and invoice exactly as you do today; once your anchor approves the invoice, a financier can pay you its value, less a cost shown before you accept, before the due date, and your anchor pays the financier when the invoice falls due.

  The products · supply side

• What is invoice discounting, and what do I still owe if my anchor does not pay?

  Early payment against an approved invoice for goods you have already delivered, chosen invoice by invoice, with full recourse to you, so if your anchor does not pay in full you buy the invoice back or pay the shortfall.

  The products · supply side

• How does purchase order financing work when I have an order but no cash to fulfill it?

  Funding against a confirmed order before the goods are made or shipped, settled out of your anchor’s payment once it has accepted delivery, with full recourse to you, so if delivery is not accepted or the order is canceled you repay the advance.

  The products · supply side

• What is reverse factoring, and why is it priced on my anchor’s credit rather than mine?

  Your anchor sets up the program and confirms your invoices with an irrevocable undertaking to pay; you can sell that confirmed payment to a financier at a discount that reflects your anchor’s credit, and on confirmed invoices there is no recourse to you unless the invoice was not genuine, was already promised to someone else, or there was fraud.

  The products · supply side

• How does financing the stock I buy from my anchor actually work?

  A financier pays your anchor for your order, the stock comes to you, and you pay the financier on a fixed date, whether or not the stock has sold by then.

  The products · buy side

• What is distributor finance, and what do I owe under it?

  Distributor finance is a credit facility: a financier pays your anchor for your stock order, and you repay the financed amount plus a financing charge on the repayment date, whether or not the stock has sold.

  The products · buy side

• How do Murabaha and Wakala work in practice when I finance stock?

  Our Sharia-compliant option is a Murabaha sale, not an interest-bearing loan. The financier, as Master Distributor, buys the goods from the supplier and sells them to you at an agreed profit. You pay the agreed price on the agreed dates. It is a binding obligation: if you pay late, recovery follows documented Sharia principles.

  The products · buy side