Live data. Verified invoices. Right terms.
GFTM is the fintech platform changing how invoices are funded, insured and collected.
Changing the way businesses get paid
Trade credit is the single biggest source of funding for SMEs, yet the way it is provided has hardly changed in decades. We look at each transaction on its own merits. If a receivable can be funded, it should be.
Three beliefs shape everything we build.
Credit should run on live data.
Most funding decisions are still made on Companies House filings. Accounts can be filed up to nine months after the year end, so the figures a lender sees are often eighteen months old.
We look at what is happening now: the ledger, the payment history and the customer’s own confirmation of the invoice.
Funding should be collaborative, not adversarial.
When information is uncertain, lenders protect themselves. They ask for more security, charge higher prices and lend less. Good businesses pay for that uncertainty, or go without.
We put all the cards on the table. When a business, its customer and its funder share information openly, the funder can safely lend more and the business receives more, at a fair cost.
That’s why our services are designed to work alongside existing factoring and finance, not replace it.
Trade credit insurance should reach smaller businesses.
It is one of the best ways to manage the risk of non-payment, but it was built for large companies, with whole-turnover policies that suit stable books. Smaller businesses with one good customer, one big order or one slow payer are left out, even when the invoice is sound.
We look at the invoice, not just the balance sheet, so a sound invoice can be covered, whatever the size of the business.
A virtuous circle
Better data makes funding safer. Safer funding attracts more capital. More capital means more funding, at a lower cost.
Better Decisions
Live information and customer-confirmed invoices, not last year’s accounts. Fewer surprises, and problems spotted early.
Lower Rates
Safer, more transparent funding attracts capital at a lower cost, and automation keeps running costs down.
More Funding
Lower costs and greater confidence mean more funding, for more businesses. Every invoice improves our data, and the circle turns again.
