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The question you have right now, answered in under two minutes.

Plain-language answers for suppliers and distributors. Every answer ends with the next thing to do.

If you sell to an anchor

You have delivered, you have invoiced, and you are waiting to be paid.

Explainer
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.
Explainer
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.
Explainer
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.

You need stock from your anchor and the cash to buy it before it sells.

Explainer
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.
Explainer
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.
Explainer
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.

Working capital, credit assessment and the platform, in plain language.

Explainer
What is working capital, and why does a profitable business run out of it?
Working capital is the cash your business needs to keep trading while it waits, for an anchor to pay you, or for stock to sell. Profit on paper does not pay this week’s wages; cash does.
Explainer
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.
Explainer
What does a credit assessment actually look at?
A financier is trying to answer three questions (can you pay, will you pay, and what happens if you do not) from whatever evidence it can see. Supply chain finance changes what counts as evidence.

25 articles. Nothing here needs an account.