Communicate Your Way

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All-in-one platform

Choose Accounts Receivable Financing

Accounts receivable financing allows companies to receive early payment on their outstanding invoices. A company using accounts receivable financing commits some, or all, of its outstanding invoices to a funder for early payment, in return for a fee.

About CargoWALLET Factoring

Our Supply Chain Finance Solutions 

Supply chain finance, also known as supplier finance or reverse factoring, is a set of solutions that optimizes cash flow by allowing businesses to lengthen their payment terms to their suppliers while providing the option for their large and SME suppliers to get paid early.

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Enjoy Direct Booking from 80+ Airlines WITHOUT:

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Important Features

4 things about supply chain finance

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It is not a loan

Supplier finance or reverse factoring is an extension of the buyer’s accounts payable and is not considered financial debt. For the supplier, it represents a true sale of their receivables.

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It is not factoring

With our solutions, 100 percent of each invoice is paid to the supplier, and there is no recourse burden on the supplier once the invoice is paid.

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PayLater

Customize your payment schedule with our 30 and 60 day terms!

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Supply chain finance is not just for large companies

It provides value for firms of all sizes and credit ratings, including SME suppliers.

Why wait?

Instant Cargo Release

Don't let payment delays hold up your cargo release any longer. Switch to CargoWALLET and never wait again.

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How does supply chain finance work?

  • The vendor sends their invoices to the payer using the current policy and methodology.
  • The payer approves the invoices and uploads the approved invoice data (its payables as well as any applicable payment offsets such as credit/debit memos) on CargoWALLET platform.
  • The payer initiate a Pay to transaction, select PayLater and sign the notice of assignment.
  • The payer pays 10% of the invoice with his CargoWALLET and the vendor receive 100% of the total invoice amount in his CargoWALLET immediately.
  • At maturity, the buyer pays the full remaining invoice amount plus the Paylater fee to CargoWALLET.
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Become a Vendor

Get paid through CargoWALLET

Ready to get paid? Create your Vendor account and start receiving payments today!

Why is Selective Receivables Finance Often a Preferred Option?

Compared to asset-based lending and traditional factoring, selective receivables finance delivers cash flow gains more efficiently and often at lower costs and risks. Here’s why:

    • Not counted as debt: When structured properly, selective receivables finance stays off a company’s balance sheet and therefore has no impact on outstanding loans or future requirements for lines of credit and similar funding.
    • Companies choose which receivables are paid early: Companies can choose which receivables they want to submit for early payment rather than offer up their entire rolling book of receivables. As a result, they can more closely control their ability to trade off cash flow gains and funding costs.
    • Flexibility to choose when to participate: Selective receivables finance allows companies to participate only when they need to. This is key for businesses that experience seasonal demand or during periods of economic volatility.
    • Ability to tap into multiple funding sources: Unlike other options, selective receivables finance allows companies to incorporate multiple funders into a program. This reduces the risks inherent in relying on a single financial institution (including when a bank will restrict liquidity due to changes in their own circumstances).
    • More favorable pricing: By incorporating multiple funding sources, selective receivables finance enhances price competition.
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