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Wholesale Banking

Receivables finance

Creating strong businesses throughout your supply chain is just one of the mutual goals ING shares with you. Our receivables finance programme helps you maintain liquidity and a healthy cash flow, and allows you to offer your customers their preferred trade terms. This improves transparency throughout the supply chain and solidifies your business relationship with your trade partners.

    Our receivables finance programme offers you several advantages. You can free up working capital and maintain solid working capital ratios for your investors. You can also attract balance sheet funding in order to diversify your funding sources. We can offer solutions for diversified receivable pools as well as single receivables. We can service transactions with relatively short payment terms and transactions with payment terms exceeding one year to support the sale of your capital goods.

    Our local experts in Asia, Europe and the US can help identify opportunities for you. Together with our central advisory and structuring team, we make sure you are provided the best possible transaction structure that suits your needs. 

    Transactional solutions

    Within our transactional solutions in the receivables finance programme, we open an account for the sale of capital goods with payment terms that can exceed one year. We then purchase the receivables via true sale and assume the risk on the offtaker up to the initial payment. Initial payment can be up to 100% minus the funding costs. This allows you to consider the receivables as paid in your ledger. 

    This product offers you a number of benefits since it is tailored to your customers’ needs as well as yours. The extended trade terms maintain a good working relationship with your customers. Risk is transferred and your working capital ratios are improved.

    Single or multi obligor solutions

    Here we open an account with short payment terms for your largest customers. Similar to our transactional solutions, the sale of receivables is revolving and can occur with or without credit insurance. Data and information exchange can take place via our highly secure platform, a Secure File Transfer Protocol, or any other secure system.

    As with our transactional solutions, you benefit from extended trade terms, a transfer of risk and improved working capital ratios. Processing is always simple and takes place on your preferred secure system.

    Portfolio solutions

    An account is opened with short payment terms for an accounts receivable portfolio belonging to a business or regional unit within your organisation. Receivables are purchased in various jurisdictions and currencies. Credit insured trade receivable solutions can improve your working capital ratios whereas uninsured pools serve as an instrument to diversify your funding sources. 

    The advantages to you are improved working capital ratios and diversification of funding all made possible through simple processing on your preferred secure system. 

    Why partner with us

    Our purpose is to empower people to stay a step ahead in life and in business. So whatever your financial needs, whether you are looking to expand and want strategic advice, or just want to make your day-to-day banking more efficient, we are here to support your business ambitions.

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