GOOD FOR THE MONEY
Live data. Verified invoices. Right terms. GFTM is the fintech platform changing how invoices are funded, insured and collected.
WHY WE EXIST
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.
Out-of-date data
Most funding decisions are still made on Companies House filings. Accounts can be filed up to nine months after the year end, and nothing more is required for another year, so the figures a lender sees are often eighteen months old.
Most credit agencies build their so-called live assessments on exactly this data. They dress it up with scores and alerts, but underneath it is the same stale filing. A business can change completely in that time: win its biggest customer, lose one, or quietly start paying everyone late.
We look at what is happening now: the ledger, the payment history and the customer's own confirmation of the invoice.
Adversarial lending
When the 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.
The relationship becomes a negotiation rather than a shared view of the facts. Each side keeps its cards close to its chest, and the cost of that caution lands on the business that needs the money.
GFTM works the other way. We look at both sides of every deal, the funder and the business's customer, and put the live picture in front of everyone. The result is the highest safe level of borrowing, at the best rate for all parties.
A narrow view
A blinkered view of who should receive funding holds back growth. Whole-turnover facilities and whole-ledger insurance suit large companies with stable books.
Smaller businesses with one good customer, one big order or one slow payer are left out, even when the individual invoice is perfectly sound.
We look at the invoice, not just the balance sheet.
Trade credit for SMEs, the single biggest source of their funding.
Fund or insure a single invoice. No whole-turnover policies, just what you need.
OUR BELIEFS
Three ideas shape everything we build.
Credit agencies rely on historic filings. We use ledgers, payment history and customer confirmation to see a business as it is today.
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. Full transparency should be rewarded, not penalised.
It is one of the best ways to manage the risk of non-payment, but it was built for large companies. Its protection should help any company, big or small, weather any financial storm.
OUR SERVICES
From insuring and funding single invoices to making sure late payers bear their fair share of the cost.
Umbrella Funding
Single Invoice TCI
Payment Guarantee Scheme
Late interest audit & collection
FOR FUNDERS
Better data makes funding safer. Safer funding attracts more capital. More capital means more lending, at a lower cost.
Traditional lending runs the other way
Out-of-date information makes every decision uncertain, so lenders ask for more security, charge more and lend less.
OUR APPROACH
We start with better data: live information and customer-confirmed invoices, not last year's accounts. Every invoice we fund improves our data, and the circle turns again. One platform runs it all: live credit limits, customer-confirmed invoices, payments, reconciliation and chasing.
