Supply chain funding is a little known alternative finance solution. Unlike supply chain finance, supply chain funding can work up and down the supply chain. It is accessible to all business sizes, not just big established firms, and could dramatically improve your working capital and cash flow management. URICA specialises in supply chain funding and has now funded several thousands of businesses over the last few years. Supply chain funding is for businesses that: - Want to strengthen their working capital position - Want to manage their cash flow better - Need flexibility with their payment and credit terms - Need certainty of payment and want to avoid late payment - Want to work with bigger clients and need to accept longer credit terms - Want to pay suppliers promptly and yet have extended credit

1. WHAT IS SUPPLY CHAIN FUNDING
AND HOW CAN IT IMPROVE
WORKING CAPITAL?
Let’s connect @URICALtd #URICAmoment
URICA IS FUNDED AND
SUPPORTED BY
AWARDED FOR

2. Multiple types of alternative
financeInvoice factoring
Invoice
discounting
Business loans
Bridging loans
Supply chain
finance
Crowdfunding
Peer to peer
lending
Asset-based
finance
Equity
crowdfunding
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3. “Alternative Finance cannot be about providing capital
to all those companies that banks and other
experienced investors have turned down because
they found them too risky.
If it was, it would be called charity and that's a very
different industry. “ Forbes
RISK
Ways to assess risk
WAYS TO
ASSESS RISK
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4. SUPPLY CHAIN FINANCE
VS
SUPPLY CHAIN FUNDING
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5. Supply chains face pressure when buying and selling
0 15 30 45 60 75 90 105 120
Days
0 15 30 45 60 75 90 105 120
Days
y sells
x buys
z sells
y buys
payment friction
payment friction
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6. Finance solutions were designed to
alleviate payment pressures in supply chains
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7. Supply chain finance
 Provides short-term credit that optimizes working capital for both
the buyer and the seller.
 Generally involves the use of a technology platform in order to
automate transactions and track the invoice approval and
settlement process from initiation to completion.
 SCF leverages buyer’s credit rating to access capital to pay
suppliers.
 Traditionally, SCF programmes are initiated by the buyers and
support only tier one supply chain.
 The seller benefits by having the option to sell its receivables to
receive immediate payment.
 Various sources of funding: buyer’s own capital, external capital
(from investors, P2P). Sometimes requires raising new capital
which can take time
BUYER
Finance
facility
Tier 1
Supplier
Tier 1
Supplier
Traditional finance
facility works just one
tier down
Finance
facility
Finance
facility

8. Supply chain funding
Key differences to traditional SCF:
 Can be initiated by either supplier or customer
 Can work up and down the supply chain, across
multiple tiers
 Single source of capital – no need to raise capital for
each new programme
 More specifically with URICA supply chain funding
there is no debt in the supply chain
Tier 2
Supplier
Tier 2
Supplier
Tier 1
Supplier
Tier 1
Supplier
Finance
facility
Tier 2
Supplier
Finance
facility
Finance
facility
Finance
facility
Tier 2
Supplier
BUYER
Finance
facility

9. BUYER
Finance facility
Tier 1
Supplier
Finance facility
Tier 2
Supplier
Finance facility
Tier 3
Supplier
Finance facility
Tier 3
Supplier
Finance facility
Tier 4
Supplier
Finance facility
Tier 2
Supplier
Finance facility
Tier 3
Supplier
Finance facility
Tier 1
Supplier
Finance facility
Tier 2
Supplier
Finance facility
Tier 3
Supplier
Finance facility
Tier 3
Supplier
Finance facility
Tier 4
Supplier
Finance facility
Tier 2
Supplier
Finance facility
Tier 3
Supplier
Finance facility
Supply chain funding
works across your supply chain
9
Provides early payment across the
complete supply chain, giving
sellers immediate or prompt
payment, and buyers extended
credit terms
Cash moves through
the whole supply
chain, removing the
need for debt at all
levels
Removes the need for businesses to factor customers
outside your supply chain, therefore removing the risk
of external problems affecting the strength of your
supply chain
@URICALtd #URICAmoment

10. @URICALtd #URICAmoment
ALL IN ONE: Funding | Credit Insurance | Forex
URICA supply chain funding products use
credit insurance to accelerate invoice
payments and give access to funding.
WHAT IS URICA?WHAT IS URICA SUPPLY CHAIN FUNDING
Powered by
URICA – supply chain funding network for business

11. URICA is the solution for both
0 15 30 45 60 75 90 105 120
Days
0 15 30 45 60 75 90 105 120
Days
y sells
x buys
z sells
y buys
…and be paid 
 the way to pay…
@URICALtd #URICAmoment

12. URICA, the innovative, simple and flexible solution for the whole supply chain
Raw
material
Components
Manufacturers
Distributor
Retail
URICASH + URICASH EXPORT
URICASHBACK
WHAT IS URICA SUPPLY CHAIN FUNDING
@URICALtd #URICAmoment

13. URICA
SUPPLIER BUYER
1. Invoice
through URICA
2. Approval
3. Accelerated
Payment
4. Repayment
up to 120 days
HOW URICA WORKS
URICA
SUPPLIER BUYER
1. Suppliers upload their invoices to the URICA platform
and send them to the customers for approval
2. The URICA platform gives suppliers an instant answer
on the eligibility of each invoice and shows the exact
price
3. If the customer is happy, they proceed to the electronic
signature and accept our general terms and conditions
4. Once the customer has approved, URICA will pay the
supplier 100% of the invoice value minus our fee
5. Typically, the supplier pays our fee, however, it is
completely flexible and either the customer or supplier
can cover the fee or split it the way it suits them
URICASH + URICASH Export: Step by step
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14. 1. You register with URICA
2. You get allocated a credit wallet and invite suppliers of
your choice
3. Your suppliers issue their invoices for your approval
via the URICA platform
4. If you are happy, you proceed to the electronic
signature and accept our general terms and conditions
5. Once the buyer has approved, URICA will pay the
supplier 100% of the invoice value minus a our fee
URICASHBACK: Step by step
URICA
SUPPLIER BUYER
1. Invoice
through URICA
2. Approval
3. Accelerated
Payment
4. Repayment
up to 120 days
HOW URICA WORKS
URICA
SUPPLIER BUYER
1. Invoice
through URICA
2. Approval
3. Accelerated
Payment
4. Repayment
up to 120 days
@URICALtd #URICAmoment

15. @URICALtd #URICAmoment
“URICA fits the
subscription model
perfectly as we can
switch it on and off
as we feel
necessary. It’s just
what we need.” –
Invisible Artists
 Funds: entire supply chains with multiple tiers
 Enables: businesses to take back control of their cash
flow
 Releases 100% cash: without the need for debt,
debentures or personal guarantees
 No long-term contract: use URICA for one or all of your
invoices, when you need it
 Risk free growth without debt: Growth businesses,
that trade without risk, endure and get stronger
 No recourse: It’s cash with no catches or comebacks
 Extended credit: The customer can get extended credit
up to 120 days and yet pay suppliers when they want
 Fast: Sign up today and get cash for your invoice within
24 hours – once set up, subsequent payments are near
instant
WHAT IS URICA?URICA SUPPLY CHAIN FUNDING BENEFITS

16. WHAT IMPACT DOES SCF HAVE ON WORKING CAPITAL?

17. FOR SUPPLIER FOR CUSTOMER
 Get access to finance
 Flexible way to manage cash
flow and inject money when
business needs it
 Cash for growth and expansion
 Increase cash reserves without
delaying payments
 Flexible way to manage cash
flow
 Cash for growth and expansion
IMPACT
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18. Norton – Securing the
Supply Chain
Norton is an iconic British manufacturer
of motorcycles that has been trading
since 1898
- It sources 80% of its parts in Britain
- Cost of work-in-progress is very high
and it was a challenge finding enough
British suppliers willing to take on the
risk of making valuable bespoke parts
without full upfront payment
- Norton has an SCF facility with
URICA which allows them to pay their
suppliers as soon as invoices are
agreed, while Norton gets 60 days of
credit
It’s changed our business…
Norton has revolutionised
its working capital and
removed the need for debt –
from the first bolt being cut
by a supplier in Derbyshire
to the bike being ridden off
the forecourt in California.
— Stuart Garner, CEO,
Norton
“
@URICALtd #URICAmoment

19. Ecospin – Winning
Contracts Worldwide
Ecospin is the Tesla of the UK,
manufacturing and supplying electric
vehicles to law-enforcement worldwide
including the US
- A recent order from a new dealer in the
US had an opening order for $191,000
- Ecospin benefitted from URICASH
Export and put the order through
URICA. Once the customer approved
the invoice, Ecospin was paid
immediately
- The customer paid URICA three
months later – well after the order was
fulfilled and shipped
We have the cash to pay our
suppliers and fulfil the order.
Without URICA we might lose
an order like this.
— Paul Loomes, MD, Ecospin
“
@URICALtd #URICAmoment

20. How do you choose alternative finance?
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21. Questions to ask
 Is there a security/ collateral required?
 Is it a debt product?
 Who will be collecting the money from
my customer?
 Will I need to repay if my customer
doesn’t pay?
 How much money can I get paid early
if I use invoice finance solution?
 Do I fully understand ALL fees that
apply?
@URICALtd #URICAmoment
QUESTIONS TO ASK

22. URICA’s RESEARCH INTO SUPPLY CHAINS
Access a free copy at
www.scfindex.com
Supply chains continue to
experience more breaks
Lack of accessible finance – one of the key
reasons
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23. THANK YOU
URICA.COM
@URICALtd #URICAmoment