How It Works

How It Works

Receivables Xchange

Receivables Xchange is a digital platform designed for exporters in emerging markets, enabling them to sell their accounts receivables to institutional investors and international banks. This provides exporters with access to better discount rates and improved cash flow, ultimately fostering business growth and generating employment opportunities in alignment with the United Nations Sustainable Development Goals (SDGs).

  • Annual turnover is at least €2000,000
  • Products and services are standardized
  • Customers are commercial (B2B)
  • Export receivables dominate
  • There is a high proportion of regular customers
  • Receivables terms range from 30 to 90 days
  • The average invoice amount exceeds €25,000
  • The service underlying the invoice is incomplete (e.g., project transactions or VOB-based billing)
  • Advance payments are involved
  • Transactions involve cash payments
  • Claims are intercompany receivables
  • Claims are against private individuals

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