Premium Technology: Providing SCF solutions to the SME supplier market segments. Case studies of SCF working capital solutions for SMEs without direct bank sponsorship.
SCF, specifically Supplier Finance (Approved Payables, Reverse Factoring) has been established as a working capital solution over the last 10 years. The banks and financial institutions offering these have been restrictive in its inclusion of lesser creditworthy SMEs --- the Suppliers that need SCF solutions the most. This exclusion is usually attributed to credit risk, balance sheet impact, reputational risk, and capital requirements. Premium Technology partnering with non-financial institutions has created multiple SCF platform models to address this challenge. Case studies of the various SCF platform models for SMEs are presented.