The shift in favor of embedded finance solutions is driven by technological advancements and changing consumer expectations, prompting businesses to adapt quickly and remain competitive. Enterprise Resource Planning (ERP) systems that integrate embedded finance products can significantly improve the user experience for both buyers and sellers by offering flexible payment solutions and better cash flow management across the supply chain.
These tools can enhance the value proposition of your ERP platform, driving business growth for participants while streamlining financial processes. Read on to learn how Raistone assists ERP platforms as an embedded finance partner they can rely on in an increasingly complex and competitive market.
The rise of embedded finance in B2B transactions
I have seen a competitive shift in the fintech space throughout my career, and companies are feeling the urgency to drive value. Having witnessed the consequences companies without access to working capital face, I know that meeting the ever-changing needs of clients is pivotal.
Five years ago, I worked with companies that were primarily focused on centralizing and automating treasury management and finance functions such as payments, bank account management, and cash forecasting. Today, businesses realize the market requires them to be agile and prepared for the unexpected. Embedded finance has provided a breakthrough in the world of business-to-business (B2B) transactions.
By offering integrated financial solutions within your platform, you allow easier access to working capital for your clients. You provide them flexibility to grow and innovate without the burden of seeking working capital finance in a tech-averse, labor-intensive manner outside the ERP platform, which could potentially drive them to a competitor.
Market trends in B2B embedded finance for ERPs
Companies continue to face rising operational costs, unpredictable cash flow, and ever-changing regulatory requirements. The demand for flexible, efficient financial solutions has never been higher.
Improved liquidity allows companies to grow faster and can assist in communicating value to shareholders who need to see consistent growth and plans for unforeseen circumstances.
According to market forecasts, the global embedded finance market is set to grow at an impressive compound annual growth rate (CAGR) of 21.2% between 2024 and 2030. This growth reflects a broader shift toward embedded finance solutions that streamline financial processes, enhance the user experience, and improve economic resiliency for both buyers and sellers in the supply chain.
As B2B platforms strive to stay competitive across complex business ecosystems, offering embedded finance solutions is increasingly important. At Raistone, we provide a suite of embedded finance solutions designed to help platforms stay ahead of the competition while offering real value to clients. We’ve seen firsthand how integrating embedded finance tools — such as Accounts Receivable Finance (ARF), Supply Chain Finance (SCF), and Virtual Cards (vCard)— can drive operational efficiency and position companies for long-term growth.
Boost ERP performance
ERPs have evolved into powerful tools that centralize business data and enable comprehensive management of financials, supply chains, human resources, and more. These platforms are indispensable for companies across industries with over 200,000 businesses utilizing different ERP systems globally.
As the ERP market continues to expand, it is projected to reach $238.79 billion by 2032, driven by the growing need for operational efficiency and business agility.
While ERPs remain critical, they can also be viewed as one component of a larger system or strategy. To stay competitive and meet the evolving needs of their customers, ERP providers must go beyond traditional functionalities and integrate additional value-added solutions — particularly embedded finance tools.
This is where Raistone’s embedded finance solutions can be put into action. Our commitment to a user-centric approach ensures that embedded finance solutions are intuitive and accessible, and our ability to handle high-value transactions sets us apart from competitors. By integrating working capital solutions into ERP systems, Raistone provides businesses with the ability to manage cash flow, receivables, and payments — all in one place. Our seamless integration removes the administrative burden and empowers businesses to take control of their finances without leaving their ERP platform.
Some benefits of integrating embedded finance solutions in ERP platforms include:
Enhanced Client Retention and Satisfaction. By providing your clients with easy access to working capital and flexible payment solutions directly within your ERP, you make their financial operations smoother and more manageable.
Increased Platform Stickiness. As businesses continue to seek ways to streamline operations and improve cash flow, offering embedded finance tools creates a stronger dependency on your ERP platform. Customers who rely on multiple solutions for financial services may be at risk of disengaging from your platform. By integrating finance directly into the system, you create a more holistic offering that keeps clients within your ecosystem.
New Revenue Streams. Offering embedded finance can also open new monetization opportunities. As you integrate financial services, you can unlock additional revenue streams, creating a sustainable business model that scales as your platform grows.
Increased Operational Agility. Embedded finance tools allow businesses to react more quickly to market conditions, offering flexibility in how they manage cash flow. As businesses face unpredictable challenges such as fluctuating demand or global supply chain disruptions, having these tools integrated within the ERP can give your clients the agility they need to thrive.
How Raistone helped this company scale with embedded finance
Take the example of Topple Diagnostics, an innovative diagnostics services company. Topple was previously using two separate working capital providers to secure funding, which couldn’t meet the company’s needs and added to administrative stressors.
After discovering NetSuite Capital, powered by Raistone’s integration, Topple was able to finance all of their invoices through one streamlined platform. Not only did this simplify their cash flow management, but it allowed them to access more competitive terms.
This case highlights how embedded finance can improve operational efficiency, reduce complexity, and ultimately strengthen client relationships.
Develop a superior embedded ecosystem around your ERP platform
Our award-winning proprietary API, Raistone Connect, addresses a gap found in many systems: the need for financial tools that support liquidity, cash flow, and working capital needs.
Raistone’s embedded finance solutions are designed to integrate seamlessly into ERP systems, creating a comprehensive financial ecosystem for businesses. Whether it’s unlocking liquidity through ARF, offering suppliers early payments with SCF, or providing flexible payment options with Virtual Cards, our suite of tools provides an integrated solution that works alongside your existing ERP infrastructure.
You can deliver tangible value to your customers, enhance your competitive edge, and prepare your business for the future of financial management when you select Raistone as an embedded finance provider.
Leverage Raistone’s embedded finance solutions to drive growth
Accounts Receivable Finance (ARF) allows companies to access cash tied up in unpaid receivables. By offering immediate access to working capital, you help your customers alleviate cash flow issues, continue to operate, invest in growth, and meet their obligations without waiting for payment.
Supply Chain Finance (SCF) offers financial flexibility for users of your platform, enabling suppliers to receive early payments while buyers extend their payment terms. You can facilitate a win-win scenario that enhances cash flow for both parties, improving financial flexibility across the supply chain.
Virtual Cards (vCard) help suppliers get paid for invoices due a later date as quickly as the day the invoice is approved by the buyer and buyers enjoy flexible repayment terms, ultimately allowing both parties to improve their working capital access without taking on debt.
Flex Pay allows suppliers to get paid on time without incurring late payment penalties, while buyers can retain more cash in their business.
Dynamic Discounting provides your customers with a way to drive cost savings and earn risk-free returns on available cash, all while helping suppliers maintain financial health.
The future of embedded finance for ERPs
With continued innovations expected to reshape how businesses approach financial services, I’m excited for the future of embedded finance and the opportunity to create an innovative ecosystem of platforms. Companies that embrace these changes stand to gain a significant competitive advantage.
Partnering with Raistone provides companies with the tools they need to enhance their operations and drive growth. Are you ready to enhance your platform with embedded finance solutions? Connect with me on LinkedIn or explore more resources to learn more about how we can help you unlock new opportunities for growth and success.
About the author
Dan Jasinski serves as Vice President of Growth on the Alliances team at Raistone. In this role, Dan expands Raistone’s network and generates new opportunities by facilitating successful partnerships, building business cases and go-to-market plans, and ensuring ongoing success with each network partner. He joined Raistone with over a decade of valuable experience and success in technical sales, marketing, and business development roles at leading fintech companies including Kyriba, TIS, and Calculum.
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