Generative AI is no longer a future possibility. According to McKinsey, agentic AI, systems that can act autonomously within defined boundaries, is starting to reshape frontline operations in banking, including…
Financing linked to invoiced turnover is a practical and scalable way for companies to unlock liquidity. By monetizing trade receivables, businesses improve their cash position without increasing traditional debt. This…
The global banking sector delivered strong results in recent years. Between 2019 and 2024 the industry intermediated more than 122 trillion dollars and generated 1.2 trillion dollars in net income…
The asset management industry is undergoing a major transformation. After a rebound in 2024 and 2025, global assets under management reached a record $147 trillion by mid-2025. Yet profitability hasn’t…
In an increasingly global and competitive market, payment systems are no longer a back-office function. They are a strategic lever for business success. A recent interview with Flywire CFO Cosmin…
In today's dynamic business landscape, leadership transcends traditional roles, it involves fostering meaningful conversations that drive innovation and transformation. McKinsey's "Top Voices on LinkedIn. Part 5" highlights professionals who are…
The global asset management industry is at a pivotal moment. Despite soaring assets under management, margins have dropped significantly three percentage points in North America and five in Europe over…
Europe stands at a strategic crossroads. As global markets shift and new industries accelerate, the continent must act decisively to stay competitive. According to a recent report by McKinsey &…
The credit landscape is rapidly evolving. McKinsey’s latest report reveals that more than half of banks now prioritize generative AI (gen AI) for credit operations, especially for early warning systems,…
The financial industry is undergoing a significant transformation with the rise of embedded finance. By integrating financial services directly into business platforms, companies can offer payments, lending, and credit solutions…
Credit and collection management systems (CMS) are vital for Small and Medium Enterprises (SMEs) and international companies, providing them with the necessary tools to optimize cash flow, mitigate credit risk,…
The financial industry is undergoing a major transformation, driven by rapid advancements in data and market infrastructure. As highlighted in McKinsey’s recent insights, the role of financial data has never…
In the ever-evolving landscape of financial services, private credit has emerged as a crucial component for investors seeking alternative avenues for growth and diversification. According to Gilles Dellaert, Head of…
Adopting a master servicing model for the full debt cycle can significantly benefit financial institutions, investors, and borrowers. This centralized approach streamlines the entire debt lifecycle—from origination to repayment or…
There are several working capital solutions that SMEs can consider based on their debtor exposure, or the amount of money they are owed by their customers. These solutions can help…
In recent years, private credit has evolved from a niche asset class into a vital component of the financial ecosystem, driving new opportunities for businesses and investors alike. McKinsey’s article…
Optimizing a supply chain for a company that involves finance solutions can involve several steps. Here are some suggestions: Identify the key areas of the supply chain that need…
Current assets are assets that a company expects to convert to cash or use up within one year or the company's operating cycle, whichever is longer. Examples of current assets…
Liquidity refers to a company's ability to meet its short-term financial obligations as they come due. It is an important aspect of a company's financial health, as it can affect…
There are several ways that credit and collection management software can be used to optimize debtor exposure for a company: Set up credit limits: Credit and collection management software…
Accounts receivable financing, also known as invoice financing or factoring, is a financial tool that businesses use to get cash for their outstanding invoices. It allows businesses to receive payment…
There are several working capital solutions that multinational companies can consider based on their debtor exposure, or the amount of money they are owed by their customers. These solutions can…
Working capital is the amount of money a company has available to fund its day-to-day operations. It is calculated by subtracting a company's current liabilities from its current assets. Companies…
Credit and collection management of open invoices refers to the processes that businesses use to ensure that they receive payment from their customers for the goods or services that they…
The cash conversion cycle (CCC) is a measure of how long it takes a company to turn its investments in inventory and other current assets into cash. It is calculated…
There are several working capital solutions that SMEs can consider based on their debtor exposure, or the amount of money they are owed by their customers. These solutions can help…
The rise of alternative lending has significantly disrupted the traditional banking industry, with new players and innovative financing models emerging to fill the gap left by banks. As discussed in…
There is evidence that accounts receivable financing can help companies optimize their working capital and improve cash flow. One study found that companies that use invoice financing report higher levels…
Private Credit’s Role in Mid-Market Opportunities Private credit is increasingly recognized as a vital financing tool for mid-market companies, offering them flexibility and access to capital that might otherwise be…
Monetizing accounts receivable (AR) offers companies, including Small and Medium Enterprises (SMEs) and international firms, a quick and effective way to boost cash flow. By converting outstanding invoices into immediate…
There is evidence that supply chain finance can help companies optimize their working capital and improve cash flow. One study found that supply chain finance can help companies reduce the…
Optimal working capital management can provide a number of benefits to a business, including: Improved cash flow: By managing working capital effectively, a business can ensure that it has enough…
Working capital management is a critical element for maintaining the liquidity and operational efficiency of any business. By effectively managing the components of working capital—current assets and current liabilities—you can…
The rise of private credit is reshaping the financial landscape, providing businesses in the upper middle market with critical funding options that traditional banks are often unable to meet. This…
Receivables credit and collection management software is designed to help businesses manage their accounts receivable and credit processes. These applications typically provide features for credit decision making, invoicing, payment processing,…
Supply chain finance is a financial tool that helps businesses manage their cash flow and working capital by providing financing solutions to suppliers in their supply chain. It can help…
Working capital management refers to the management of a company's short-term financial resources, including its cash, inventory, and accounts receivable. A key aspect of working capital management is managing the…
The private credit landscape is entering a new era, one characterized by institutionalization, specialization, and greater diversification of capital sources. As detailed in McKinsey’s article, this next phase will be…
Effective management of accounts receivable can have a significant impact on a company's financial performance. Accounts receivable refers to the amount of money that a company is owed by its…
Generative AI is at the forefront of technological innovation, offering unparalleled opportunities to enhance productivity and decision-making. But as highlighted by MIT economists and Nobel laureates Daron Acemoglu and Simon…
As economic conditions evolve, alternative investments like private credit, hedge funds, and private equity are becoming essential components of modern portfolios. These strategies not only help mitigate risks but also…
In today’s fast-paced financial landscape, banks are under increasing pressure to enhance operational efficiency while delivering superior customer experiences. A key enabler of this transformation is technology. By embracing digital…
Effective working capital management can have a significant impact on a company's profitability. Working capital is the difference between a company's current assets, such as cash, accounts receivable, and inventory,…
An integrated approach to receivables, supply chain finance, and collection management can provide several benefits for a company in terms of accelerating the payment cycle for both buyers and suppliers,…
Private credit is rapidly becoming a crucial source of financing for businesses, especially as traditional bank lending becomes more restrictive due to tighter regulations. This shift has created new opportunities…
There are several strategies that small and medium-sized enterprises (SMEs) can use to optimize their working capital: Review and optimize accounts receivable: SMEs can improve their cash flow by…
A conceptual framework for corporate liquidity management is a set of principles and guidelines that outline how a company should manage its cash and other financial resources to ensure that…
Working capital management refers to the process of managing a company's short-term assets and liabilities in order to ensure that it has sufficient liquidity to meet its operational needs. This…
Liquidity management refers to the process of ensuring that a company has sufficient cash on hand to meet its financial obligations as they come due. Here are a few strategies…
Accounts receivable refers to the money that a company is owed by its customers for goods or services that have been delivered but not yet paid for. The management of…
Supply chain finance (SCF) is a financial tool that can help to bridge the gap between the placement of an order and the delivery of goods. SCF involves the use…
Invoice factoring, also known as receivables finance or accounts receivable financing, is a financial tool that allows companies to convert their unpaid invoices into cash. This can be an effective…
There is evidence that credit and collection software can help companies optimize their working capital and improve cash flow. One study found that companies that use credit and collection software…
Days sales outstanding (DSO) is a measure of the average number of days it takes for a company to collect payment on its invoices. A lower DSO indicates that the…
Supply chain finance (SCF) solutions are financial instruments or services that aim to improve the working capital of companies in the supply chain. Working capital is the money that a…
Invoice factoring can have a significant impact on the working capital finance of mid-market companies. Mid-market companies, which are defined as businesses with annual revenues between EUR10 million and EUR1…
A successful supply chain finance competency framework should include a combination of technical skills, industry knowledge, and soft skills. Some key competencies that might be included in such a framework…
There are several benefits to implementing an integrated approach to receivables management and credit and collection management for SME companies, including: Improved cash flow: An integrated approach can help SMEs…
Transparency and compliance are important in the area of receivables finance for a number of reasons. Firstly, transparency helps to ensure that all parties involved in a receivables financing arrangement…
Qube Financing's supply chain finance solution provides several benefits for both small and medium enterprises (SMEs) as well as multi-national companies. These benefits include: Improved Cash Flow: By financing the…
The trade-off between direct payment of invoices to creditors and payment discount optimizing the credit side of the balance sheet can be complex and depends on a variety of factors.…
Looking for ways to accelerate the order-to-cash process, which refers to the process of receiving and fulfilling customer orders, issuing invoices, and collecting payments. Here are a few strategies that…
Supply chain finance, also known as reverse factoring, is a financial tool that can be used by multinational companies to improve their working capital management and support their suppliers. By…
Credit and collection management software can help accelerate the collections process by automating many of the tasks involved in collecting payments from customers. This type of software typically includes features…
Qube Financing provides several benefits for working capital and collection management solutions, some of which are: Improved Cash Flow: By automating the collection process, Qube Financing helps companies receive payment…
Supply chain finance is a type of financial arrangement that involves providing funding to companies in a supply chain. This can include the supplier, the manufacturer, the distributor, and the…
Receivables finance, also known as invoice financing or factoring, is a financial tool that can be used by multinational companies to improve their working capital management. By using receivables finance,…
Qube Financing's credit and collection management software solution offers a number of benefits for businesses, including: Improved efficiency and productivity: The software automates many manual processes, reducing the time and…
An integrated approach to invoice factoring can provide several benefits for small and medium-sized enterprises (SMEs). This approach involves combining invoice factoring with other financial tools and services to create…
There is a significant amount of empirical evidence supporting the benefits of effective supply chain management. For example, research has shown that businesses with well-managed supply chains tend to have…
Debt collection agencies can be an important part of an effective credit and collection management solution for businesses. These agencies specialize in recovering unpaid debts and can provide a number…
Supply chain dynamics refer to the various factors and forces that affect the flow of goods and services within a supply chain. These dynamics can include factors such as consumer…
A technology-enabled credit and collection management platform can provide a number of advantages to businesses, including: Improved efficiency and productivity: By automating many of the manual tasks involved in credit…
Monetizing accounts receivable refers to the process of selling a company's accounts receivable to a third party, such as a factoring company, in order to raise working capital. This can…
Technology-enabled receivables finance, also known as "digital factoring" or "e-factoring, " refers to the use of digital platforms and technology to automate and streamline the process of selling a company's…
Added value of debt collection agency The added value of using a debt collection agency can include the following: Increased recovery rate: Debt collection agencies have specialized knowledge and experience…
We asked four titans of the banking industry for their thoughts on the most prominent trends driving the banking space and why they're so important Banking has changed considerably in…
The global supply chain finance market is a large and growing market, with estimates of its size ranging from $1.5 trillion to $2.5 trillion. Despite its size, however, significant value…
We asked four titans of the banking industry for their thoughts on the most prominent trends driving the banking space and why they're so important Banking has changed considerably in…
There is a significant amount of empirical evidence that supports the rationale of credit and collection management. This evidence comes from a variety of sources, including academic studies, industry surveys,…
We asked four titans of the banking industry for their thoughts on the most prominent trends driving the banking space and why they're so important Banking has changed considerably in…
Account receivables finance, also known as factoring, is a type of financial arrangement in which a company sells its outstanding accounts receivable to a third-party finance company at a discount.…
Using credit and collection management software can provide several benefits for businesses that offer their customers the option of purchasing goods or services on credit. Some of the key advantages…
We asked four titans of the banking industry for their thoughts on the most prominent trends driving the banking space and why they're so important Banking has changed considerably in…
An integrated approach to supply chain and account receivables finance, as well as credit and collection management, can help companies to optimize their financial operations and improve their overall financial…
Debt collection agencies can provide several added values to a business when it comes to credit and collection management. These include: Increased recovery rate: Debt collection agencies have specialized knowledge…
More than three-quarters of banking leaders say they “feel pressured” to collaborate more with fintechs amid consumer demand, according to new research More than three quarters of banks “feel pressured” to collaborate…
Working capital solutions that are based on accelerating the payment cycle can provide businesses with a way to access the cash they need to fund their operations and invest in…
There is a significant amount of empirical evidence that supports the benefits of receivables financing, also known as invoice financing or factoring. This evidence comes from a variety of sources,…
An integrated approach to receivables, supply chain finance, credit and collection management software can provide several advantages, including: Improved data accuracy and completeness: With all of the data in one…
Credit and collection management are essential activities for small and medium-sized enterprises (SMEs) that offer their customers the option of purchasing goods or services on credit. By implementing an effective…
Why the need for Digital Innovation? “In today’s era of volatility, there is no other way but to re-invent. The only sustainable advantage you can have over others is agility,…
Set-up for daily (and intra day) data exchange routine is defined on automated interface between ERP (or admin) systems and the data warehouse as part of the Qube Platform, with…
Credit and collection management is the process of managing a company's accounts receivable and ensuring that it receives payment from its customers in a timely manner. This involves extending credit…
Fintech solutions are playing an increasingly important role in the field of account receivables and supply chain finance. These solutions use digital platforms and technology to automate and streamline many…
Context Further context for Digital Innovation: Data determines destiny: Financial institutions and asset managers are harnessing the tools, expertise and infrastructure needed to turn data into actionable insights that can…
Optimizing working capital, which refers to the amount of money a company has tied up in its day-to-day operations, can be beneficial for small and medium-sized enterprises (SMEs) in several…
Qube Servicing introducing its proprietary supply chain finance application PRI® Supply Chain March, 2021, Qube Servicing developed its proprietary supply chain finance application PRI® Supply Chain as an addition…
Significant value in the global supply chain finance (or SCF) market remains untapped. Nearly 80% of eligible assets do not benefit from better working-capital financing, and the remaining 20% of…
2020 Qube Servicing milestone over EUR 1 billion receivables turnover serviced utilising PRI® CrediSoft, the proprietary credit management software part of the PRI® inside platform.
2020 Qube Financing today announces the signing of a EUR 40m+ receivables finance program offering an efficient working capital solution for the Spanish subsidiaries of Lecta Group. Recapitalization On…
Market Dynamics & Rationale Financing conditions for non-financial corporations (“Corporates”) shape developments in the real economy and are, inter alia, affected by monetary policy. Financing structure of euro area Corporates…
Using a debt collection agency can be an effective part of credit and collection management for several reasons. First, they have specialized knowledge and experience in collecting past-due accounts, and…
2018 Qube Servicing introduces the Click & Collect services in close co-operation with market participants. Offering Qube Servicing Credit & Collection Platfom to clients and have these clients benefit from automated…
2018 Qube Servicing developed its proprietary credit management application PRI® CrediSoft as an addition to the PRI® inside platform
2017 Qube Financing adding another EUR 125 million T/O of receivables finance to the EUR 300MM SME Receivables Financing Program of Qube Portfolio Invest supported by Insight Investment (Qube Invest).
2016 Qube Financing, a portfolio company of Principal Company, and Insight Investment, a leading global investment manager, together announcing a program to provide EUR 300MM receivables finance for the SME…
(in Dutch, published in FD 20/10/2016) Start-up heeft €300 mln beschikbaar voor werkkapitaalfinanciering Amsterdam Nederland heeft er een nieuwkomer op het gebied van alternatieve financiering bij. Qube Financing heeft €300 mln…
Published on Private Equity Wire - 20/10/2016 Qube Financing, a portfolio company of Principal Company, has launched a programme to provide EUR300 million in receivables finance for the SME market…
2015 Qube Financing, a portfolio company of Principal Company, acted as Arranger & Structurer for an off-balance USD 500MM equivalent multi jurisdiction receivables finance program for a blue chip multinational…
Credit financing in the context of supply chain finance refers to the provision of financial support or credit facilities to various participants within a supply chain. This form of financing…
A business capital loan, in the context of receivables-based working capital finance, refers to a form of financing where a business uses its accounts receivable (or outstanding invoices) as collateral…
"Get working capital" is not a standard financial term, and its meaning may depend on the specific context in which it is used. However, if it is used in the…
Need business funding in the context of receivables-based working capital refers to a situation where a business requires external financial support, and it specifically seeks funding solutions that leverage its…
Business capital funding in relation to working capital refers to the financial resources provided to a business to support its day-to-day operational needs. Working capital is a crucial component of…
Business funding lenders, in the context of receivables-based working capital, refers to financial institutions or entities such as Qube Financing that provide funding to businesses using their accounts receivable as…
Funding capital in the context of receivables finance generally refers to the financial resources or capital that a business secures through leveraging its accounts receivable. Receivables finance, also known as…
In the context of receivables-based working capital, "capital finance" refers to the provision of funding or capital to a business by using its accounts receivable as collateral. Receivables-based working capital…
Business capital finance, based on receivables, refers to a financing strategy where a company uses its accounts receivable as collateral to secure funding. This approach allows businesses to access working…
Capital financing, in the context of working capital, refers to the process of obtaining funds or capital to support a company's day-to-day operational needs. Working capital is the difference between…
Credit management in the context of receivables financing involves strategies and practices aimed at effectively assessing and mitigating credit risk associated with the receivables used as collateral for financing. Receivables…
Credit management in the context of receivables financing involves strategies and practices aimed at effectively assessing and mitigating credit risk associated with the receivables used as collateral for financing. Receivables…
Debt collection, in the context of receivables financing, refers to the process of recovering unpaid amounts from customers whose invoices have been used as collateral to secure financing. Receivables financing,…
Debt collection software such as Qube’s CrediSoft, in the context of debtor management and working capital, refers to specialized tools and systems designed to streamline and automate the process of…
