[{"data":1,"prerenderedAt":3228},["ShallowReactive",2],{"en-blog/supply-chain-financing":3,"en-global-content":940,"en-article-global-content":2166,"en-blog-article-more-articles-4c34e454-8993-474f-a2d1-5c1f6a260e14":2427,"en-blog-article-more-articles-208800727":3223},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":928,"full_slug":929,"sort_by_date":47,"position":930,"tag_list":931,"is_startpage":27,"parent_id":932,"meta_data":47,"group_id":933,"first_published_at":934,"release_id":47,"lang":58,"path":47,"alternates":935,"default_full_slug":929,"translated_slugs":936},"Supply chain financing: a smart solution for fast working capital","2022-10-24T16:50:06.207Z","2026-09-29T09:18:18.704Z","2026-09-29T09:18:18.725Z",208800727,"a7b2e580-8168-46f9-aa20-11718901d00e",{"_uid":11,"roles":12,"title":4,"author":13,"topics":68,"content":99,"category":821,"language":846,"component":834,"heroMedia":849,"sidebarCta":855,"publishedAt":856,"readingTime":857,"redirectUrl":25,"listingImage":858,"metaDescription":859,"componentsAfterTheArticle":860},"9f6949db-b2cc-4716-a8cd-235d658fe543",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":51,"full_slug":52,"sort_by_date":47,"position":53,"tag_list":54,"is_startpage":27,"parent_id":55,"meta_data":47,"group_id":56,"first_published_at":57,"release_id":47,"lang":58,"path":47,"alternates":59,"default_full_slug":52,"translated_slugs":60,"_stopResolving":67},"Fabian Sarafin","2022-10-19T17:37:50.692Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:21.055Z",206165110,"36147e60-f081-400b-bf61-ce1081c1dd5a",{"_uid":21,"name":14,"links":22,"picture":23,"lastName":28,"component":29,"firstName":30,"description":31},"37e54f98-7da7-416e-b9fd-cb7962c8a332",[],{"alt":24,"name":25,"focus":25,"title":25,"filename":24,"copyright":25,"fieldtype":26,"is_external_url":27},"https://a.storyblok.com/f/146026/433x433/29ddceec8a/fabian-sarafin-256x256.jpg","","asset",false,"Sarafin","author","Fabian",{"type":32,"content":33},"doc",[34],{"type":35,"content":36},"paragraph",[37,40,49],{"text":38,"type":39},"Fabian Sarafin is Branch Manager at ","text",{"text":41,"type":39,"marks":42},"the  GFL",[43],{"type":44,"attrs":45},"link",{"href":46,"uuid":47,"anchor":47,"target":47,"linktype":48},"https://www.gfl-broker.de/",null,"url",{"text":50,"type":39},", a small insurance and financing broker in Germany. Prior to this, he worked in credit and credit insurance for brokers including Euler Hermes and AON.","fabian-sarafin","blog/author/fabian-sarafin",-460,[],176408854,"e18dd449-93c6-487f-9fc9-c12a179f5d79","2022-11-02T15:25:58.209Z","default",[],[61,63,65],{"path":52,"name":47,"lang":62,"published":47},"fr",{"path":52,"name":47,"lang":64,"published":47},"de",{"path":52,"name":47,"lang":66,"published":47},"es",true,[69],{"name":70,"created_at":71,"published_at":72,"updated_at":73,"id":74,"uuid":75,"content":76,"slug":87,"full_slug":88,"sort_by_date":47,"position":89,"tag_list":90,"is_startpage":27,"parent_id":91,"meta_data":47,"group_id":92,"first_published_at":93,"release_id":47,"lang":58,"path":47,"alternates":94,"default_full_slug":88,"translated_slugs":95,"_stopResolving":67},"Finance strategy","2022-10-19T17:57:50.961Z","2026-09-29T09:13:54.941Z","2026-09-29T09:13:54.957Z",206171406,"4c34e454-8993-474f-a2d1-5c1f6a260e14",{"seo":77,"_uid":85,"name":70,"component":86},[78],{"_uid":79,"noIndex":27,"component":80,"metaFields":81},"a850324e-c837-4a13-8f8f-4fbe4fd15397","seo",{"_uid":82,"plugin":83,"description":84},"e114f30f-fa13-4ca9-8e17-57f0f612f8ec","meta-fields","Long-term thinking on finance strategy: budgeting, forecasting, and the frameworks finance leaders use to plan for growth.","11f616ce-9f54-42bb-967c-fdb960b62cef","tag","finance-strategy","blog/topic/finance-strategy",-100,[],176456153,"5a788f5a-b853-4a56-959b-15a4ea69fd80","2022-11-02T15:24:54.143Z",[],[96,97,98],{"path":88,"name":47,"lang":62,"published":47},{"path":88,"name":47,"lang":64,"published":47},{"path":88,"name":47,"lang":66,"published":47},{"type":32,"content":100},[101,140,157,161,177,186,214,218,229,236,246,250,260,264,279,288,293,309,313,321,336,340,346,356,377,387,391,395,405,409,413,418,428,438,447,457,461,470,475,484,488,497,506,510,515,526,545,555,559,576,585,589,593,601,607,611,621,625,629,634,638,648,658,662,666,670,674,684,688,692,700,704,714,718,725,730,802,806],{"type":35,"content":102},[103,108,115,119,125,129,136],{"text":104,"type":39,"marks":105},"This startup financing series is a collaboration between Spendesk and ",[106],{"type":107},"italic",{"text":109,"type":39,"marks":110},"CFO",[111,114],{"type":44,"attrs":112},{"href":113,"uuid":47,"anchor":47,"target":47,"linktype":48},"https://www.cfoconnect.eu/?__hstc=41219197.a1c54d639f58537d9ddca8d1a676f0b4.1566379362902.1596535330331.1596545938918.528&__hssc=41219197.3.1596545938918&__hsfp=3297019018",{"type":107},{"text":116,"type":39,"marks":117}," ",[118],{"type":107},{"text":120,"type":39,"marks":121},"Connect",[122,124],{"type":44,"attrs":123},{"href":113,"uuid":47,"anchor":47,"target":47,"linktype":48},{"type":107},{"text":126,"type":39,"marks":127},". ",[128],{"type":107},{"text":130,"type":39,"marks":131},"Join this leading finance community here",[132,135],{"type":44,"attrs":133},{"href":134,"uuid":47,"anchor":47,"target":47,"linktype":48},"https://www.spendesk.com/cfo-network/",{"type":107},{"text":137,"type":39,"marks":138},".",[139],{"type":107},{"type":35,"content":141},[142,144,149,151,155],{"text":143,"type":39},"The key theme of this article series is that ",{"text":145,"type":39,"marks":146},"startup financing comes in many different forms",[147],{"type":148},"bold",{"text":150,"type":39},". And crucially, it can come at many different ",{"text":152,"type":39,"marks":153},"times",[154],{"type":107},{"text":156,"type":39}," in a company’s growth and lifecycle.",{"type":35,"content":158},[159],{"text":160,"type":39},"We can get so fixated on seed or series funding because these represent major milestones for startups. But what about the smaller cash injections that keep you running at full speed?",{"type":35,"content":162},[163,165,169,171,175],{"text":164,"type":39},"There are, of course, ",{"text":166,"type":39,"marks":167},"financing options that can help you get to the end of the month in the black",[168],{"type":148},{"text":170,"type":39},". Or perhaps they let you ",{"text":172,"type":39,"marks":173},"balance the books and have a positive quarterly report",[174],{"type":148},{"text":176,"type":39},", even when times are tough.",{"type":35,"content":178},[179,181,185],{"text":180,"type":39},"Most importantly, they can give you the short-term working capital you need ",{"text":182,"type":39,"marks":183},"now",[184],{"type":107},{"text":137,"type":39},{"type":35,"content":187},[188,190,194,209,213],{"text":189,"type":39},"Supply chain financing is a perfect example. As I’ll explain, it gets you paid sooner for outstanding receivables, to give you ",{"text":191,"type":39,"marks":192},"the cash you need before ",[193],{"type":148},{"text":195,"type":39,"marks":196},"your runway",[197,208],{"type":44,"attrs":198},{"href":199,"uuid":200,"anchor":47,"target":201,"linktype":202,"story":203},"/glossary/cash-runway","2e635e36-52bf-4a97-b738-ac376c07c619","_self","story",{"name":204,"id":205,"uuid":200,"slug":206,"url":207,"full_slug":207,"_stopResolving":67},"Cash-runway",297070587,"cash-runway","glossary/cash-runway",{"type":148},{"text":210,"type":39,"marks":211}," runs out",[212],{"type":148},{"text":137,"type":39},{"type":35,"content":215},[216],{"text":217,"type":39},"In this article, we’ll explore why you might want to consider this option, the kinds of companies it suits best, and what to watch out for along the way. But first, let me explain how I became so interested in all this.",{"type":35,"content":219},[220],{"type":221,"attrs":222},"blok",{"id":223,"body":224},"dbe8d7e1-165e-4333-8b3b-7e7e476ff306",[225],{"_uid":226,"html":227,"component":228},"1e67f02f-5377-4ab6-82ed-ca2d6b3e96bf","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-0ca0e675-6ea2-47ac-8e17-fa549d93f654\">\u003Cspan class=\"hs-cta-node hs-cta-0ca0e675-6ea2-47ac-8e17-fa549d93f654\" id=\"hs-cta-0ca0e675-6ea2-47ac-8e17-fa549d93f654\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/0ca0e675-6ea2-47ac-8e17-fa549d93f654\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-0ca0e675-6ea2-47ac-8e17-fa549d93f654\" style=\"border-width:0px;\" height=\"364\" width=\"1282\" src=\"https://no-cache.hubspot.com/cta/default/2694209/0ca0e675-6ea2-47ac-8e17-fa549d93f654.png\"  alt=\"CFO Connect - community - finance leaders - Spendesk\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '0ca0e675-6ea2-47ac-8e17-fa549d93f654', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":230,"attrs":231,"content":233},"heading",{"level":232},2,[234],{"text":235,"type":39},"About me and the GFL",{"type":35,"content":237},[238,240,244],{"text":239,"type":39},"After studying, ",{"text":241,"type":39,"marks":242},"I began my career seriously at Euler Hermes",[243],{"type":148},{"text":245,"type":39}," - a credit insurance agency. Credit insurance is used for trading companies who want to ensure their receivables. As we’ll see, these companies deal with lots of outstanding invoices and often long payment terms, so insuring them can be very important.",{"type":35,"content":247},[248],{"text":249,"type":39},"After that, I went to the big broker company AON and did the same there, but as a broker. I had the chance to pick solutions from a range of insurance companies, and to see credit finance from many different perspectives.",{"type":35,"content":251},[252,254,258],{"text":253,"type":39},"And in 2014, ",{"text":255,"type":39,"marks":256},"I switched from AON to the GFL",[257],{"type":148},{"text":259,"type":39},", where I'm working now.",{"type":35,"content":261},[262],{"text":263,"type":39},"The GFL is a small insurance and financing broker. We’ve been in business for more than 10 years, with two main areas of focus. The first is the normal credit insurance business, as I explained above. But over time, clients started asking us to help them with financing on top of this. So eventually, we added that service.",{"type":35,"content":265},[266,268,272,274,277],{"text":267,"type":39},"Our ",{"text":269,"type":39,"marks":270},"financing business is very focused on working capital",[271],{"type":148},{"text":273,"type":39},". Many of our clients already have other funding in place, but they’re growing or restructuring and need money they can work with ",{"text":182,"type":39,"marks":275},[276],{"type":107},{"text":278,"type":39},". But the rate they can get from the banks isn’t going to work. And we have a range of options we can help them attain, including supply chain financing.",{"type":35,"content":280},[281,283,287],{"text":282,"type":39},"Which is what this article is all about. Let’s see how everyday businesses - including growing startups and scaleups - can ",{"text":284,"type":39,"marks":285},"free up working capital via their supply chains",[286],{"type":148},{"text":137,"type":39},{"type":230,"attrs":289,"content":290},{"level":232},[291],{"text":292,"type":39},"What is supply chain financing?",{"type":35,"content":294},[295,297,301,303,307],{"text":296,"type":39},"As the name suggests, ",{"text":298,"type":39,"marks":299},"supply chain financing lets you use the value of your supply chain to secure cash in the short term",[300],{"type":148},{"text":302,"type":39},". You essentially trade what you’ll ",{"text":304,"type":39,"marks":305},"eventually",[306],{"type":107},{"text":308,"type":39}," get paid for capital right now.",{"type":35,"content":310},[311],{"text":312,"type":39},"Let’s use an example. When you need cash right away, the first option is often a bank loan. But when you apply for one, the first question will be about the security you can offer.",{"type":35,"content":314},[315],{"type":316,"attrs":317},"image",{"id":47,"alt":318,"src":319,"title":47,"source":47,"copyright":47,"meta_data":320},"bank-loan-supply-chain-financing","https://get.spendesk.com/hubfs/bank-loan-supply-chain-financing.jpeg",{},{"type":35,"content":322},[323,327,329,335],{"text":324,"type":39,"marks":325},"Most startups and small businesses don’t have a positive balance sheet because they’re focused on growth",[326],{"type":148},{"text":328,"type":39},". So you don’t have a great “credit score” as a company, and ",{"text":330,"type":39,"marks":331},"you likely won’t have any assets either",[332],{"type":44,"attrs":333},{"href":334,"uuid":47,"anchor":47,"target":47,"linktype":48},"https://www.cfoconnect.eu/en/resources/finance-insights/asset-based-financing",{"text":137,"type":39},{"type":35,"content":337},[338],{"text":339,"type":39},"You may have to give a private guarantee from the CEO, or you could offer your private house. These are both very risky, and it’s always best to keep business dealings separate from your personal life.",{"type":35,"content":341},[342],{"text":343,"type":39,"marks":344},"So what can you offer?",[345],{"type":148},{"type":35,"content":347},[348,350,354],{"text":349,"type":39},"The one thing that some businesses ",{"text":351,"type":39,"marks":352},"do",[353],{"type":107},{"text":355,"type":39}," have is receivables - outstanding invoices waiting to be paid by customers. In many cases, these invoices are pretty certain to be paid - they’re with good companies with a strong track record.",{"type":35,"content":357},[358,360,364,372,376],{"text":359,"type":39},"But ",{"text":361,"type":39,"marks":362},"a promise to pay doesn’t ",[363],{"type":107},{"text":365,"type":39,"marks":366},"improve your working capital",[367,371],{"type":44,"attrs":368},{"href":369,"uuid":47,"anchor":47,"target":370,"linktype":48},"https://www.mimohq.com/article/6-ways-to-make-working-capital-work-for-your-small-business","_blank",{"type":107},{"text":373,"type":39,"marks":374}," today",[375],{"type":107},{"text":137,"type":39},{"type":35,"content":378},[379,381,385],{"text":380,"type":39},"Supply chain financing - or factoring - lets you ",{"text":382,"type":39,"marks":383},"sell these outstanding debts to a third party",[384],{"type":148},{"text":386,"type":39}," (an agency). The “factor” usually buys 90-100% of your receivables upfront, at a discount of course. So you have the cash you need immediately, even if the total amount received will be lower in the long run.",{"type":35,"content":388},[389],{"text":390,"type":39},"Here’s another example. We have a client who’s in restructuring - near insolvency. They need money now, but no bank will give them a loan in these circumstances. But they actually have good deals in place with Siemens.",{"type":35,"content":392},[393],{"text":394,"type":39},"Siemens is a very reliable debtor - they’re going to pay.",{"type":35,"content":396},[397,399,403],{"text":398,"type":39},"But the payment terms are between 90-120 days. And ",{"text":400,"type":39,"marks":401},"smart companies like Siemens are very unlikely to pay early",[402],{"type":148},{"text":404,"type":39},", as this impacts their own working capital. So factoring makes a lot of sense for both parties - our client and the factor.",{"type":35,"content":406},[407],{"text":408,"type":39},"This is a good example of how the main focus for a supply chain financing agency is going to be different from a bank. A bank would look at this company and see a struggling balance sheet. But the focus here is on the receivables and the products themselves.",{"type":35,"content":410},[411],{"text":412,"type":39},"If the agency sees a high likelihood that they’ll get their money in the longer term, that’s all that matters.",{"type":230,"attrs":414,"content":415},{"level":232},[416],{"text":417,"type":39},"Factoring vs equity",{"type":35,"content":419},[420,422,426],{"text":421,"type":39},"As I wrote above, many startup founders are fixated on venture capital - giving up equity in return for substantial sums of money. And in reality, you can still do this ",{"text":423,"type":39,"marks":424},"and",[425],{"type":107},{"text":427,"type":39}," use factoring to your advantage.",{"type":35,"content":429},[430,432,436],{"text":431,"type":39},"Supply chain financing uses debt, and ",{"text":433,"type":39,"marks":434},"doesn’t dilute your share in the company",[435],{"type":148},{"text":437,"type":39},". You might see lower margins in the short term, but you still own as much of your company as you did before the funds came in.",{"type":35,"content":439},[440,442,446],{"text":441,"type":39},"This is why ",{"text":443,"type":39,"marks":444},"debt is always cheaper than equity",[445],{"type":148},{"text":137,"type":39},{"type":35,"content":448},[449,451,455],{"text":450,"type":39},"Here in Germany, I deal with a lot of second, third, and fourth generation companies. They’re not looking for new owners - they’re family businesses and want to keep it that way. And so culturally, ",{"text":452,"type":39,"marks":453},"raising equity is not a real option for them",[454],{"type":148},{"text":456,"type":39},". It’s seen as something for new companies to investigate, but not traditional ones.",{"type":35,"content":458},[459],{"text":460,"type":39},"And it shouldn’t really be any different for young startups. Yes, you’ll probably want seed or series funding to grow quickly, but you may also need shorter-term working capital at times too.",{"type":35,"content":462},[463,465,469],{"text":464,"type":39},"And ",{"text":466,"type":39,"marks":467},"you absolutely don’t want to give away equity in the company if you can avoid it",[468],{"type":148},{"text":137,"type":39},{"type":230,"attrs":471,"content":472},{"level":232},[473],{"text":474,"type":39},"Benefits of supply chain financing",{"type":35,"content":476},[477,479,483],{"text":478,"type":39},"The big benefit of all this, of course, is that you have access to funds without offering up any security. The mere fact that this is available is a benefit for businesses that need it. It can be a ",{"text":480,"type":39,"marks":481},"financing source for businesses without many other choices",[482],{"type":148},{"text":137,"type":39},{"type":35,"content":485},[486],{"text":487,"type":39},"But we also have successful, stable companies that simply need more working capital. For example, many businesses in the trading industry deal with small margins and long payments periods. They can be moving huge amounts of goods - doing great business - but they won’t see the fruits of their labor until months later.",{"type":35,"content":489},[490,492,496],{"text":491,"type":39},"So they’ll ",{"text":493,"type":39,"marks":494},"use factoring periodically to keep the business running smoothly",[495],{"type":148},{"text":137,"type":39},{"type":35,"content":498},[499,501,505],{"text":500,"type":39},"And then there’s also the very positive impact on your balance sheet. Plenty of companies want to hit December 31 with healthy financials. So they’ll call in their debts - so to speak - by ",{"text":502,"type":39,"marks":503},"factoring receivables and getting money into their accounts before the end of the financial year",[504],{"type":148},{"text":137,"type":39},{"type":35,"content":507},[508],{"text":509,"type":39},"The advantage of this is that the receivables are sold to a factor on the balance sheet date, and therefore removed from the balance sheet. This reduces the balance sheet amount and can have a positive effect on your equity ratio.",{"type":230,"attrs":511,"content":512},{"level":232},[513],{"text":514,"type":39},"What to watch out for",{"type":35,"content":516},[517,522,524],{"type":316,"attrs":518},{"id":47,"alt":519,"src":520,"title":47,"source":47,"copyright":47,"meta_data":521},"downsides-supply-chain-financing","https://get.spendesk.com/hubfs/downsides-supply-chain-financing.jpeg",{},{"type":523},"hard_break",{"text":525,"type":39},"Of course there are potential downsides to supply chain financing, too. Business is business, and there are certainly areas to be wary of if you’re entering into a factoring deal.",{"type":35,"content":527},[528,530,534,539,543],{"text":529,"type":39},"For starters, ",{"text":531,"type":39,"marks":532},"many agencies want to have ",[533],{"type":148},{"text":535,"type":39,"marks":536},"all",[537,538],{"type":148},{"type":107},{"text":540,"type":39,"marks":541}," your receivables",[542],{"type":148},{"text":544,"type":39},". My example above was just an illustration, but normally we wouldn’t only be looking at Siemens as a debtor. There may be more uncertain third parties in there, and this can affect the price.",{"type":35,"content":546},[547,549,553],{"text":548,"type":39},"In fact, ",{"text":550,"type":39,"marks":551},"the price is determined by the number of debtors, but also by the total volume of receivables",[552],{"type":148},{"text":554,"type":39},". And of course we also look at the creditworthiness of the debtors. So if there are many good debtors included, then it is cheaper than if there are debtors whose credit is debatable.",{"type":35,"content":556},[557],{"text":558,"type":39},"One more practical note: the credit insurer usually checks the debtors and fixes a limit for them. The customer either does this with their own policy, or the factor who might have a policy in the background. So if the insurer reduces or removes limits - which can happen due to the Corona crisis, for example - then this is also a problem for the factor, who can no longer finance the debtors.",{"type":35,"content":560},[561,565,570,574],{"text":562,"type":39,"marks":563},"You might also not ",[564],{"type":148},{"text":566,"type":39,"marks":567},"want",[568,569],{"type":148},{"type":107},{"text":571,"type":39,"marks":572}," to include all of your receivables",[573],{"type":148},{"text":575,"type":39},". You’ll know which are more valuable than the others, and it’d be great to keep them in hand. But usually, this isn’t an option.",{"type":35,"content":577},[578,580,584],{"text":579,"type":39},"Which also means that you can’t use these same receivables as security for a bank loan, or include them in other factoring deals. They’re already tied up. And vice versa - ",{"text":581,"type":39,"marks":582},"if your receivables are already tied up in another loan, you can’t use them for factoring",[583],{"type":148},{"text":137,"type":39},{"type":35,"content":586},[587],{"text":588,"type":39},"And naturally, cash with no security is going to be more expensive. You might, in some circumstances, find a bank willing to give a loan using your receivables as security - often at a cheaper rate.",{"type":35,"content":590},[591],{"text":592,"type":39},"Which brings us to the fees involved. As we said, the factoring agency buys your receivables at a discount. But you also have the factoring fee, based on turnover and paid to the agency. You might pay, for example, 0.5% from the turnover.",{"type":35,"content":594},[595,597,600],{"text":596,"type":39},"And then you have normal interest paid to the bank. Which can of course be significant. But the trade-off is having money when you need it. As the saying goes, “a bird in the hand is worth two in the bush.” Money is typically worth more ",{"text":182,"type":39,"marks":598},[599],{"type":107},{"text":137,"type":39},{"type":230,"attrs":602,"content":604},{"level":603},3,[605],{"text":606,"type":39},"Typical factoring costs",{"type":35,"content":608},[609],{"text":610,"type":39},"We just mentioned interest, so it’s worth setting out the kinds of costs you can expect in this process. You’ll typically have a factoring fee as written above (e.g. 0.5%), and interest. 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So you do actually need to be part of a busy supply chain.",{"type":35,"content":649},[650,652,656],{"text":651,"type":39},"Perhaps the best example is companies in the trading business - it doesn’t even really matter what they trade. They normally have ",{"text":653,"type":39,"marks":654},"very low margins, and long payment terms",[655],{"type":148},{"text":657,"type":39}," - 30, 60, 90 days. Which is a long time to wait for that money.",{"type":35,"content":659},[660],{"text":661,"type":39},"Factoring becomes a very good option to get liquidity directly, so you’re not waiting all that time.",{"type":35,"content":663},[664],{"text":665,"type":39},"Another very famous example here in Germany is the automotive industry, for the same reasons. For companies like BMW or Audi, payment terms can be as long as 150 days! And if you’re a small supplier to one of these companies, you don’t have a lot of power to negotiate faster payments. 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