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  Invoice Financing vs Factoring: What’s the Difference? Delayed payments are a common problem. Businesses of every size face this challenge. A manufacturer might wait months for bulk payments. A service provider might struggle with 60-day credit terms. These unpaid invoices put pressure on cash flow . Growth slows down when money is stuck. To solve this, businesses use receivable-based solutions. Invoice financing and factoring are the most common tools. Both unlock money tied up in invoices. Both improve working capital. But they work in very different ways. Choosing the right one depends on customer relationships, financial planning , and business goals. What Is Invoice Financing? Invoice financing is a loan against unpaid invoices. Businesses submit invoices to a financing partner. The lender advances most of the invoice value. Usually, 80–90% is released. Once the customer pays, the business clears the loan with fees. In this model, the business keeps control of collections. C...

Best Supply Chain Finance Platforms in India for 2025 Last year wasn’t easy for most businesses. Global demand was shaky, banks tightened their lending norms, and paperwork for financing remained well painful. In India, many small suppliers felt stuck. Orders were coming in, but payments were delayed. Vendors struggled to balance opportunities with cash flow gaps. That’s where Supply Chain Finance (SCF) is stepping up in 2025. The system is now digital-first, inclusive, and designed to enhance cash flow management. Platforms across India are transforming how businesses manage working capital while keeping growth consistent. What’s New in Supply Chain Finance 2025 India’s market is witnessing a new wave of innovative financial solutions for supply chains. 1. SME-Focused Finance Platforms Small businesses often wait months for payments as banks hesitate due to risk. Digital supply chain finance platforms solve this by enabling early access to payments. That means SMEs get faster cash,...

How to Improve Cash Flow Management in 2025 : A Complete Guide It is a common business paradox; i.e., a company might look great on its profit sheets, selling a lot and making good money, yet suddenly find itself struggling to pay its everyday bills. This happens when there is not enough ready cash flowing in and out. Think of cash flow as the lifeblood of a business, flowing through its veins every single day. Due to the economic changes and uncertainties swirling around, managing cash flow is vital for both survival and growth. Optimising cash flow management is not just a savvy strategy—it’s essential for thriving in today’s landscape. This guide will provide businesses with a detailed roadmap to enhance and refine their cash flow management techniques. Effective management of cash flow revolves around striking a balance between the money coming in and going out. Businesses cannot afford to focus solely on one side; they need to ramp up the speed and volume of incoming cash whi...

 Why International Trade Finance Services Are Crucial for Small and Medium Enterprises For small and medium enterprises (SMEs), international trade aspirations include market expansion, new customers, and growth. However, they face various challenges. These challenges include limited funding, higher perceived risk, lack of international credit history, complex regulations, currency fluctuations, payment security concerns, and logistical hurdles. These challenges often hinder the global potential of the businesses. Small and medium enterprises (SMEs) can use international trade finance services (ITFSs) to tackle these challenges. These services are specifically created to make cross-border transactions smoother. Whether it’s about securing essential working capital, ensuring payment security, managing currency fluctuations, or simplifying the paperwork, international trade finance serves as an essential toolkit. It empowers SMEs to confidently face the unique challenges of the gl...