Description du projet
Un nouvel outil pour automatiser les petites transactions commerciales
Les petites et moyennes entreprises (PME) se débattent encore avec des transactions financières bancaires administratives lentes et coûteuses pour des prêts à court terme. Cependant, cela reste plus sûr que la plupart des offres de prêt disponibles sur le marché, mais le changement est en route. Le projet Invoice Exchange, financé par l’UE, apportera une nouvelle solution simple pour les finances des PME. Invoice Exchange est une plateforme en ligne en temps réel et entièrement automatisée utilisant des données externes d’entreprises, axée sur la sécurité du traitement des transactions commerciales. Cette plateforme fait déjà partie d’un programme pilote en Slovénie. Ce projet mènera une analyse de marché pour les marchés croate et polonais.
Objectif
Invoice Exchange marries positives of both, safe conventional banking and convenience of fin-tech paradigm. Conventional banking is slow and un-adjusted for fast processing of micro funding transactions. It takes minimum 2-3 weeks, significant amount of paperwork, and a high credit score for banks to approve a short-term loan or a factoring line for a SME. Also, banks keep interest rates on deposits at or below 0%, which results in businesses and creditors seeking alternatives for enriching their assets. On the other hand, existing peer-to-peer platforms offer none or very limited risk management for their creditors. This results in not fully exploited potential of acquiring creditors and in slower market uptake of such platforms.
Invoice Exchange is a fully automated and streamlined peer-to-peer invoice financing platform for businesses. Designed as an online factoring marketplace, the Invoice Exchange provides super-fast, on-line, on-demand funding with a click of a button for SMEs seeking working capital. And easy, efficient, low-risk alternative to short-term bank deposits for companies with surplus liquidity. Invoice exchange is a real-time trading and settlement system with integrated credit risk management engine that uses external corporate data to reduce creditors' risks. Invoices are sold with a click, pay-outs in 2 hours, companies are assessed in real-time. In last 3 years, Invoice Exchange has been gaining traction on a pilot market in Slovenia, resulting in 5-6% average yield on deposits, 100+ paying clients, 35 mio € transaction volume, and 350k revenue.
In the feasibility study, the company wants to perform in-depth market analysis for Polish and Croatian market, which are chosen as first internationalization targets. Also, product development requirements will be assessed, along with a thorough economic viability.
Total addressable market value in these three countries is 600+ mio EUR, and 15 mio EUR revenue is projected for the next 5 years.
Champ scientifique
Programme(s)
Régime de financement
SME-1 - SME instrument phase 1Coordinateur
1000 LJUBLJANA
Slovénie
L’entreprise s’est définie comme une PME (petite et moyenne entreprise) au moment de la signature de la convention de subvention.