Consumer goods and distribution

Your sales force visits the store, takes the order and delivers the goods on 30 or 60 day terms. That is credit, whatever anyone calls it. And your finance team, which exists to sell product rather than to lend, ends up assessing the risk of thousands of small shops, accruing interest and chasing arrears.

Written forHead of finance, receivables or credit

Inside a neighbourhood shop: shelves full of product, the scale on the counter and the door open to the street.

The operation does not change: the visit, the order, the delivery and the terms stay yours. What changes is who carries the part that is not your business.

Nor does it matter whether the shopkeeper is an individual or a company, or whether they have been buying from you for years or started last week. A known shop has history worth using; a new one needs assessment from scratch. The platform handles both under the same policy.

What the platform takes on

  • Assessment and decision

    Credit assessment of the shop, known or new, under the policy you set, with the record of why it was decided that way.

  • Credit accounting

    Daily accrual of running and overdue interest, and the cost of the backing instrument charged inside the credit.

  • Escalated collections

    Notices and escalation by arrears bracket, with a record of every action and its outcome.

Degrees of operation

  1. Automatic

    The platform decides within the policy in force and your team only sees the outcomes.

    Who reviewsNobody. The policy does the reviewing.

  2. Assisted

    The platform handles the volume and escalates to your staff the cases that need judgement, with the reason for escalation.

    Who reviewsYour team, only when needed.

  3. Delegated

    Saman Lab operates the whole process, including the reviews that require a person.

    Who reviewsOur team, under your policy and your limits.

Portfolio backing

Mitigate risk

The portfolio stays on your balance sheet.

  • Surety

    A surety company guarantees payment of the overdue portfolio. The cost is charged inside the credit, to the debtor.

  • Trade credit insurance

    An insurer covers the portfolio against non-payment, under the terms of the policy.

Free up cash

The portfolio leaves your balance sheet.

  • Receivables financing

    A third party buys the portfolio or lends against it. It is the only instrument that turns a deferred sale into cash today.

The other case

Real operation

  • La plataforma de crédito opera en producción dentro de una entidad financiera, con redundancia y bajo carga real.

    [PENDIENTE: cifra de operación verificable — volumen mensual, disponibilidad o antigüedad exacta. La aporta el negocio antes del lanzamiento (FR-043d).]

    Entidad financiera · [PENDIENTE: magnitud de la operación, sin datos que permitan deducir la identidad]