Alternative Financing Solutions for SME Xavier Corman, Edebex - FinTech Belgium Summit 2016

1. Fintech Summit Brussels 2016
Alternative Financing Solutions for SME
Confidential - Do not duplicate or distribute without written permission from Edebex

2. Macro overview
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(1) European Payment Index 2013
(2) Unions et Actions no. 130 – January 2016
25% of bankruptcies are due to cash-flow problems1
4 entrepreneurs out of 10 are refused credit,
either completely or partially2.
How to improve this situation ?

3. Non Current Assets
Equity
LT Debts
ST Debts
Current Assets
ACTIVE PASSIVE
Balance Sheet

4. Non Current Assets
Equity
LT Debts
ST Debts
Current Assets
ACTIVE PASSIVE
SME Balance Sheet

5. SME Balance Sheet with alternative financing
Non Current Assets
Equity
LT Debts
ST Debts
Current Assets
ACTIVE PASSIVE
Crowdfunding
Crowdlending
Invoice Trading

6. Advantage of financing with Fintech
1. Faster
2. Easier
3. Less or No Collaterals

7. Example : Edebex
 57% of European companies have cash flow
problems.(1)
 4 entrepreneurs out of 10 are refused credit,
either completely or partially. (2)
 Interest rates for savings accounts (3):
ING: 0.11%
KBC: 0.11%
Belfius: 0.11%
Businesses that want to
boost their cash flow
Businesses with
free cash flow
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(1) European Payment Index 2013
(2) Unions et Actions no. 130 – January 2016
(3) Belgian rates www.guide-epargne.be

8. What is Edebex?
Edebex is an online marketplace
for buying and selling
outstanding receivables
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9. How it works
BUYER DEBTOR
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SELLER
Saleoftheinvoice

10. Sellers
Meet your cash flow needs
by selling your receivables
in 72 hours
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11. 5 February 2016 Cash flow management
Edebex is not factoring
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Accessibility
Cost transparency
100% financing
Outsourcing of risk
Factoring
Flexibility
You choose when you sell invoices, how many and from whom!
Concentration of clients

12. Differences between Edebex and Classic solutions
Access to cash doesn't depend on your own balance sheet,
but rather on the quality of your debtors.
EDEBEX
FAST sale within 72 hours
WITHOUT any additional collateral
Classic Solutions
SLOW response time, in weeks or months
WITH additional collateral
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"Time is money"

13. • No need for the seller to provide collateral
• The seller chooses which invoices to sell
• No collateral required
Edebex, an innovative concept
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14. Financing with a mix
Non Current Assets
Equity
Banks
Banks
Suppliers
Others
Current Assets
ACTIVE PASSIVE
Crowdfunding
Crowdlending
Invoice Trading

15. Questions
@Edebex
+ 32 2 245 45 45
www.edebex.com
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