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Optimize
cash flow

Fin-Express is a digital service that works as a broker between buyers and suppliers.
Based on an early payment model in exchange for variable discount, it helps both suppliers and buyers to optimize cash flow and make profit in an transparent and easy way.

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Buyers

Manage your liquidity
by supporting your suppliers

Let your free liquidity earn for you – investment of free cash flow into your suppliers can secure significantly higher return on deployed funds than deposits in banks or investments into cash funds.
Achieve returns on free cash flow without the risk of third parties – funds are used for payments to your suppliers that should anyhow be made, instead of involvement of third parties like banks or investment funds.
Support development of your own supply chain with your free liquidity and invest in loyalty and partnership with your suppliers.

Advantages of the solution for buyers:

  • Simple connectivity and management of the platform without one-off costs and costs of maintenance
  • Own and independent management system of discount schemes per category of suppliers
  • Automated and structured communication with large number of suppliers
  • Simple migration of existing processes to new structured tool
  • Optimization of internal resources for processing of supplier’s requests and decrease of administrative burden
  • Advisory in the process of set up of solutions for suppliers
  • 24/7 availability of the system

Suppliers

Simple solution
to secure liquidity for your business

Convert your receivables into cash – request early payment of your undue invoices at any moment upon registration by your buyers, without direct contact and finance working capital needs of your business.

Advantages of the solution for suppliers:

  • Working capital financing without involvement of financial intermediaries
  • Financing without administration in credit bureau
  • Digitalization of the process without dependence on direct contact with representatives of buyers
  • Automated generation of supporting documentation (e.g. credit notes)
  • Buyer initiates the process while suppliers simply choose invoices to be paid early from the list of registered invoices
  • Automated calculation of precise costs of discount before actual request is disbursed to the buyer instead of one-off monthly discounts
  • Financing of full amounts of invoices unlike similar factoring solutions
  • Possibility of further extension of financing to own suppliers using free cash created through process of early payment of buyers
  • Improvement of liquidity ratios, financial reports and ratings with financial institutions
  • 24/7 availability of the system via online application

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© FinExpress 2025 (27-Nov-24)