Mana Abrar Aria
Financing

Supply Chain Finance

Electronic bills, GAM certificates, factoring and reverse factoring

Supply-chain instruments financed about 303 trillion toman in the first half of 1405, twelve times a year earlier. We help suppliers turn sales into cash sooner and help large buyers set up programmes that lower what their suppliers charge them.

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When clients call us

  • You sell to large buyers and wait months to be paid
  • You are a large buyer and want suppliers to finance themselves on your credit
  • Working capital is the main brake on growth
  • Your bank offers electronic bills or GAM certificates and you are unsure how to use them

What we do

Working-capital review
Where cash is tied up across receivables, inventory and payables, and which instrument frees it fastest.
Electronic supply-chain bills
Paying suppliers on deferred terms while they discount the bill with a bank.
GAM certificates
Issuing and discounting GAM certificates along the production chain.
Factoring
Selling receivables for cash, with or without recourse.
Reverse factoring programmes
For large buyers: a programme that lets suppliers borrow on the buyer's credit.
Bank and system setup
Choosing the bank, onboarding suppliers and buyers and the internal process.

Free tools for this service

Cost of FinancingTrue annual cost after fees, deposits and guaranteesFreeFinancing RoutesWhich financing routes fit your companyFree

How we work

  1. DiagnosisMap the cash cycle and the main counterparties.
  2. Instrument choiceBills, GAM, factoring or a reverse factoring programme.
  3. SetupBank, contracts, systems and counterparty onboarding.
  4. Run and measureTrack cost, days of cash freed and supplier take-up.

Common questions

What is the difference between an electronic bill and a GAM certificate?

A bill is drawn by the buyer in favour of a supplier and can be discounted; a GAM certificate is issued by a bank for a producer and can be passed along the chain or discounted.

Does this count as debt on our balance sheet?

It depends on the structure. We set it up with your auditor so the treatment is clear.

Is it only for large companies?

No. Small suppliers benefit most when their large buyers join.

Talk to a partner

Tell us about your situation. A partner replies within one working day.

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Financing