U-FACTOR
Confirming and Reverse

U – FACTOR for the Supply Chain Finance

 

U-FACTOR Confirming

Support to the Supply Chain. Working Capital optimization thanks to a digital platform dedicated to the supply chain. The Confirming is a financial solution dedicated to the support of the buyers and their supply chains. Thanks to an innovative platform provided by UniCredit Factoring, integrated with the payments services of UniCredit, the buyer can upload confirmed receivables that will be automatically paid at maturity. The suppliers, in turn, can access the platform and display the confirmed receivables. Furthermore, always through the use of the platform, they can decide to assign the receivables to UniCredit Factoring.

 

U-FACTOR Reverse Factoring

Reverse Factoring is a solution addressed to large corporations ("Buyer") with broad and split portfolios, desiring to streamline and rationalize the management of their liability cycle. Reverse Factoring is a solution addressed to large corporations ("Buyer") with broad and split portfolios, desiring to streamline and rationalize the management of their liability cycle.

Reverse Factoring permits:

  • the suppliers of the "Buyers" an easier access to credit and a better management of working capital with the possibility of being able to reinvest it to increase the quality level of the own production for the benefit of the Buyer himself;
  • the "Buyer" to benefit of a greater loyalty of their production chain, to make the management of the passive cycle efficient and rationalize the passive cycle management with the support of a platform that can in turn be customized to allow communication with the ERP systems and the possibility of taking advantage of an extension of payments.

Dynamic Discounting

Dynamic Discounting is a popular solution offered to UniCredit Factoring customers in partnership with FinDynamic – an Italy-based fintech in which UniCredit holds a minority stake.

UniCredit’s Dynamic Discounting solution uses a digital platform to enable corporate buyers to support their suppliers with early payments on invoices in exchange for a scaled discount, which increases the earlier the payment is made in advance of the due date. This fast implementation solution allows suppliers to easily improve their liquidity at favourable rates while the buyer optimizes its working capital, leveraging surplus liquidity to earn strong returns. Benefiting both buyer and supplier, this solution offers an innovative process that redefines the entire supply chain, creating a virtuous circle of sustainable development.