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Alternative Financing Solutions for SME by Xavier Corman - FinTech Belgium Summit 2016

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Alternative Financing Solutions for SME
Xavier Corman, Edebex - FinTech Belgium Summit 2016

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Alternative Financing Solutions for SME by Xavier Corman - FinTech Belgium Summit 2016

  1. 1. Fintech Summit Brussels 2016 Alternative Financing Solutions for SME Confidential - Do not duplicate or distribute without written permission from Edebex
  2. 2. Macro overview 2 (1) European Payment Index 2013 (2) Unions et Actions no. 130 – January 2016 25% of bankruptcies are due to cash-flow problems1 4 entrepreneurs out of 10 are refused credit, either completely or partially2. How to improve this situation ?
  3. 3. Non Current Assets Equity LT Debts ST Debts Current Assets ACTIVE PASSIVE Balance Sheet
  4. 4. Non Current Assets Equity LT Debts ST Debts Current Assets ACTIVE PASSIVE SME Balance Sheet
  5. 5. SME Balance Sheet with alternative financing Non Current Assets Equity LT Debts ST Debts Current Assets ACTIVE PASSIVE Crowdfunding Crowdlending Invoice Trading
  6. 6. Advantage of financing with Fintech 1. Faster 2. Easier 3. Less or No Collaterals
  7. 7. Example : Edebex  57% of European companies have cash flow problems.(1)  4 entrepreneurs out of 10 are refused credit, either completely or partially. (2)  Interest rates for savings accounts (3): ING: 0.11% KBC: 0.11% Belfius: 0.11% Businesses that want to boost their cash flow Businesses with free cash flow 7 (1) European Payment Index 2013 (2) Unions et Actions no. 130 – January 2016 (3) Belgian rates www.guide-epargne.be
  8. 8. What is Edebex? Edebex is an online marketplace for buying and selling outstanding receivables 8
  9. 9. How it works BUYER DEBTOR 9 SELLER Saleoftheinvoice
  10. 10. Sellers Meet your cash flow needs by selling your receivables in 72 hours 10
  11. 11. 5 February 2016 Cash flow management Edebex is not factoring 11 Accessibility Cost transparency 100% financing Outsourcing of risk Factoring Flexibility You choose when you sell invoices, how many and from whom! Concentration of clients
  12. 12. Differences between Edebex and Classic solutions Access to cash doesn't depend on your own balance sheet, but rather on the quality of your debtors. EDEBEX FAST sale within 72 hours WITHOUT any additional collateral Classic Solutions SLOW response time, in weeks or months WITH additional collateral 12 "Time is money"
  13. 13. • No need for the seller to provide collateral • The seller chooses which invoices to sell • No collateral required Edebex, an innovative concept 13
  14. 14. Financing with a mix Non Current Assets Equity Banks Banks Suppliers Others Current Assets ACTIVE PASSIVE Crowdfunding Crowdlending Invoice Trading
  15. 15. Questions @Edebex + 32 2 245 45 45 www.edebex.com 15

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