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Flexible Capital for Evolving Supplier Terms

As companies explore new supplier relationships and renegotiate terms, working capital becomes critical. Supply Chain Finance allows you to extend payment terms while ensuring your suppliers get paid on time.

 

Flexible payment terms

How Supply Chain Finance works

Your company can preserve or extend negotiated payment terms, while your suppliers have the comfort of knowing they have the option to be paid on invoice approval.

Example: Supplier with 45-day payment terms extended to 60 days with option to be paid early
Day 1: Invoice Submitted

Invoice created for $100,000

Your business receives an invoice

Your supplier submits an invoice for $100,000 to you for goods or services rendered. Your company approves payment with Raistone. By using Supply Chain Finance, your company is able to extend payment terms while your supplier has the option to be paid much earlier than before.

Day 5: Supplier is Paid Early

Raistone advances payment to supplier

Your supplier gets paid weeks earlier

Raistone pays your supplier for the approved invoice, less a small discount fee. The supplier receives this payment 40 days earlier than before your company started using Supply Chain Finance.

Day 60: Buyer Pays Invoice Later

Increased DPO with later payment

Your company benefits with extended payment terms

Instead of paying at day 45, as you did previously, your company now pays at day 60, improving your days payable outstanding (DPO) by 15 days. And because your supplier has opted in to early payment, they have also seen their days sales outstanding (DSO) shorten by 40 days. Your company retains more cash on their balance sheet to spend how you choose, while your supplier is no longer waiting to be paid.

Day 1: Invoice Submitted
Day 5: Supplier is Paid Early
Day 60: Buyer Pays Invoice Later

Benefits of Supply Chain Finance

Stabilize your supply chain. Ensure solid liquidity across the supply chain, and enable your suppliers to unlock a lower cost of financing.

Flexible terms give you better control of your cashflow, and provide more financing options for your suppliers.

Onboarding can occur in days versus weeks or more for bank-only programs, thanks to use of non-bank capital.

Raistone covers more of the credit spectrum by leveraging multi-investor (bank and non-bank) capital.

Large corporates can use either their own capital, existing programs like Dynamic Discounting, or Raistone’s curated marketplace. However your company needs to optimize its flow, Raistone can help.

Complements bank supply chain finance solutions that cannot expand to all desired suppliers due to onerous supplier on-boarding processes and jurisdictional limitations.

Read to unlock capital to match evolving supply strategies? Let’s get started.

Whether you’re onboarding new suppliers or pushing for better payment terms, Raistone offers the capital flexibility to help you move fast without compromising relationships. Our tailored working capital solutions help you stay flexible with financial solutions that bridge payment gaps, keeping your supply chain strong and your suppliers happy.

 

Tell us a little more about yourself and your business, and someone from our team of financial experts will be in touch.

How Strategic Financing Can Protect Your Profits Amid Trump’s Tariffs

As the international trade landscape remains in flux with the ongoing tariff changes, businesses are grappling with rising costs and unpredictable supply chain disruptions.

 

While stockpiling and diversifying supply chains are key strategies, working capital solutions can provide the liquidity needed to remain competitive. The ability to pivot quickly in this volatile environment will determine who emerges stronger on the other side.

Read more