In recent times, we can observe that companies are looking to obtain working capital in a safe and fast way. But how to achieve this?

The risky credit operation , for example, is an efficient alternative for the immediate raising of financial resources and has been widely used to strengthen the cash flow, since it allows the anchor company to anticipate the payment of receivables from its suppliers through a financial product that does not consume the credit line with the bank.

Follow the article below and find out how to optimize the withdrawal risk process in your company.

Risk withdrawn in companies

We know that the market has large providers, who can often use their negotiating power to pressure suppliers with discounts and longer terms.

In this context, when a company has a drawn-out credit operation, suppliers, especially smaller ones, are able to meet the deadlines requested by the market and anticipate payment at more competitive rates than those offered by traditional banks.

Thus, the so-called anchor company (buyer company ) gains efficiency and the supplier manages to balance its cash flow, invest in new production and sell more.

Observe in the image below how the risk withdrawn for companies works.

How does withdrawal risk work?

In this sense, the tendency is for companies to stop operating financial services through a banking platform and start using management software (ERP) . But, for that, it is necessary that this software is integrated to all processes, including financial ones. With that in mind, Sky.One has Integra.Sky , an iPaaS solution that manages all integrations through a single, simple and secure connector.

But why not opt ​​for the service offered by banks?

Currently, banks offer credit, however, all operational work is under the responsibility of the customer. In addition, integrations are limited, requiring manual reconciliation. The drawn risk platform, on the other hand, is more flexible, end-to-end integrated and 100% digital.

Another important point is that the bank offers a line of credit and the anchor company is responsible for the entire operation, that is, it needs to offer the service to, many times, thousands of suppliers, manage the demands, execute the operations and make all the reconciliations.

In the end, there is an increase in the work of the financial area and the offer is directed only to the largest suppliers, leaving out those who most need the credit.

With the withdrawn risk platform, the operation is fully automated and the credit offer reaches everyone, even the smallest suppliers . Thus, the biggest difference between is in the process and the service, and not in the financial product itself.

Supplier portal: technology that facilitates communication between both ends

Sky.One 's supplier portal is a communication channel created between the anchor company and its suppliers , which allows consultation of relationship history, monitoring of current titles and anticipation of amounts that suppliers would only receive in the future.

Thus, the main objective of the solution is to automate the process 100% , helping suppliers to monitor the details of their securities and, if desired, request the advance of part or all of the amounts receivable.

According to a survey carried out by Sky.One , the company's supplier portal reduced by 83% the number of calls, emails and interactions in search of information about the companies' securities.

The fact occurred, since the drawn risk platform is fully integrated with the ERP through APIs, which update the information in real time and without the need for reconciliation.

In this way, the platform creates a new channel of communication with suppliers, notifying them about payments, when a new document is available or when an observation or discount is applied to a security and ends up facilitating the routine, both for the anchor company and for the suppliers. . This also helps to increase satisfaction and leverage business. Do you want to know more about the technologies that Sky.One offers to the financial market? Login here .

Written by

Sky.One Team

This content was produced by SkyOne's team of cloud and digital transformation experts.