SlideShare a Scribd company logo
Working Capital
Key to successful online sales
Golden rule
of e-commerce
2
BUT…
3
Why…?
• Unlimitedonline demand
• Limitedavailability
• More effectivemarketing
• More efficientlogistics
• Less fires to put out and more timeand resources
to increase sales
4
Realitycheck
• in last12 months over 5 000 online stores
opened in Poland
• none of them will receive working capitalfrom
banks
Banks don’t understand ecommerce
6
• bank credit is dependent on the company’s (debtors) balance
sheet
• the process is long and requires tons of documents
• seasonality insales creates mismatch between cash flow and
cash needs
• for commercethe swiftness and agility is more important than
the cost of loan
source:https://www.pb.pl/przedsiebiorca-chce-miec-alternatywe-960408
Monethero understands ecommerce
How we operate?
• Up-to 2MLN credit line
• Loan on-demand
• Weekly instalments
• Cash flow as security
• Automatization thanks Smart Contract
• Blockchain based trust
• Constant & dynamic credit scoring
8
Thank You!
Marek Friedman
CMO Monethero
marek.friedman@monethero.pl

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Monethero impact 19