Real-time Information Based Financing
Our lead financial instrument is a patented process for Trade Receivables Securitization that reduces the inefficiencies that arise when suppliers with lower credit ratings finance highly rated buyers. More generally, this instrument can benefit any supplier who pays more than its buyer's capital costs to exchange its receivables for cash.
EF improves the competitiveness of supply chains by removing inefficiencies resulting from differences in the cost of capital between buyers and suppliers. Dividends are shared equitably among all trading partners.
In a fully automated process backed by proprietary IT systems, EF bundles multiple suppliers' receivables into credit notes that bear the credit risk of the buyer. Based on our information-sharing relationship with the buyer, we then strip off all commercial risk before selling the notes to financial institutions.