The Cash Flow Exchange

cflox is the global market for cash flow, trade finance, and Working Capital within the supply chain. On cflox, buyers and suppliers collaborate to optimize the financing of goods and services – digital, lean, and secure.

Growth solutions

Growing companies need financing options that are as flexible and dynamic as their business models. cflox creates the financial basis to facilitate investments and sustainable growth.

Learn more

Enterprise solutions

The digital and market-based cflox platform enables companies to optimize their payment terms while simultaneously strengthening their supplier base. We focus on state-of-the-art technologies and data- and process-security, as well as lean and seamless interfaces, to help you implement digital solutions without a complex internal project.

Learn more

cflox inside – custom solutions

Our established standard solutions are suitable for the needs of 90% of our clients. If you are looking for a custom product or infrastructure, please feel free to contact us.

Learn more

What we do

Optimized financing within the supply chain

cflox is the global market for cash flow, trade finance, and Working Capital within the supply chain. On cflox, buyers and suppliers collaborate to jointly optimize the financing of goods and services. We develop and implement solutions that are tailored to the specific needs and goals of our clients. Our digital approach reaches the entire supplier base, addressing both existing potential and demand. Our technology and our comprehensive services facilitate the lean implementation in existing systems and processes.

cflox direct

Market-based early payments directly between buyers and suppliers.

Buyers invest excess liquidity in their suppliers – through the early payment of approved invoices. Suppliers get fast and dynamic access to liquidity and can thus optimize the financing of their goods and services.

cflox liqui+

Longer payment terms for buyers and early payouts for suppliers through external financing.

Buyers and suppliers jointly optimize their payment terms: Buyers benefit from longer payment terms while at the same time, suppliers receive the immediate payouts of their outstanding receivables.

Market Insights

Working Capital

Traditionally, Working Capital and growth are financed by credit institutions. In the case of loans and factoring, complexity and risk costs incur, which are passed on to borrowers through non-transparent price structures, resulting in goods and services having to be pre-financed at high effective costs. cflox is a market in which buyers and their suppliers jointly optimize the financing of Working Capital. Cash flow is based on confirmed invoices and thus minimizes costs – directly, transparently, and cooperatively.

Financing

While many companies have optimized their internal financing, the financing of products and services across the supply chain is often inefficient: As financial institutions focus solely on the individual company and therefore require substantial collateral, lending is complex, time-consuming, and non-transparent. cflox bypasses traditional debt financing and the associated hurdles. By sharing the “asset” payment terms, we create efficient and direct processes that spare you unnecessary forms and ratings.

Asset-Based Finance

Whenever traditional financial institutions assess companies, they usually perceive them as self-contained units and individual risks. For us, on the other hand, there is a network of partners who create and share assets. By considering every claim and obligation as an asset, we recognize the true value of a business. With the help of the cflox market for Working Capital, we are therefore capable of financing individual assets within this network as efficiently and economically as possible. By using state-of-the-art technology, we can provide financing easily and without additional complexity.

Payment Terms

Agreements on payment terms have a twofold potential for conflict: Internally between procurement and financing department, externally between procurement and suppliers. Therefore, the ultimate goal is to find the right balance between specifications and negotiations and expansions and financing, as well as direct price reductions and Working Capital. Long payment terms, on the one hand, lead to increased financing costs, especially for smaller and structurally weaker suppliers. These will be reflected in the purchasing costs of the buyer in the medium and long term. Short payment terms, on the other hand, lead to savings on the part of the suppliers. However, these are rarely passed on to customers in the form of better prices. With cflox, suppliers’ financing costs, own Working Capital, and procurement costs can be optimized in a way that benefits all market participants.

Liquidity

Purchasing volumes, inventory, and revenue are non-static parameters. Consequently, liquidity and financing needs are dynamic and subject to significant fluctuations throughout the business cycle. Nevertheless, static solutions with long-term maturity and obligations dominate the financing market. With cflox, we offer a solution that matches the dynamics of the market. By enabling purchasing companies and suppliers to jointly and flexibly optimize cash flow, liquidity is managed in line with the individual requirements of their business cycles.

Solutions

Growth solutions

Flexible and dynamic financing solutions – tailored to the specific needs of successful growth companies.

Learn more

Enterprise solutions

Early payments, optimized payment terms, and stronger supply chains – the direct and market-based connection.

Learn more

Custom solutions

Custom platforms and infrastructure for trade finance – including analysis, development, operation, and exceptional service.

Learn more

Customer voices

cflox enables us to use our payment terms and our Working Capital as growth drivers and not as expensive growth inhibitor.

Finance, E-commerce

We can invest our excess liquidity – and our flexible, short-term investments are risk-free. On the platform, we maintain full control over our cash flow and directly increase our EBIT.

Treasury, Groceries

cflox utilizes the differences in financing costs between buyers and their suppliers. This creates a win-win with more liquidity, stronger Working Capital, and lower financing costs.

Finance, Manufacturing

The strong implementation possibilities have convinced us: We were able to embed cflox into our highly complex network of custom-built systems and now offer real benefits to our members and partners.

Finance, Retail Service Provider

Dates

Finanz

22. – 23. Jan. 2019

Zürich

4th Supply Chain Finance Summit

24. – 25. Jan. 2019

Amsterdam

10th BME-eLösungstage 2019

12. – 13. Mar. 2019

Düsseldorf

5th Rethink! Corporate Finance

8. – 9. Apr. 2019

Hamburg

31st Finanzsymposium

22. – 24. May. 2019

Mannheim

FINTECH Week

4. – 8. Nov. 2019

Hamburg

International Treasury Management

16. – 18. Nov. 2019

Kopenhagen

Contact

Interested?
Contact us!

Successful supply chains optimize the financing of Working Capital directly and dynamically. How can cflox help you optimize your cash flow? Contact us now to receive further information.