The working capital requirement of a business is the minimum amount of resources that an organisation needs to cover the usual costs and expenses necessary to operate. Capital Requirement is a basic business concept that is understood by any business person. In some instances, Capital Requirement may extend to include research and development cost and other expenses where additional capital is required for commercial and/or strategic advantage

Short-term commercial finance is a short term loan that is used to increase the amount of actual cash an organisation has and requires, to meet its Capital Requirements. This cash is working capital that can then be used to negotiate better deals with suppliers, pay staff and other overheads and to improve the overall health and growth prospects of the business

Invoice Discounting/Factoring [IDF] is another form of short-term commercial finance. The IDF provider uses your invoices as an asset and secures the money they advance/loan to you against these invoices. Typically, IDF providers require that you sell your entire debtors ledger and also personally guarantee any bad debts. IDF contracts are unwieldy and, once signed, are difficult to unwind and cancel. Additionally and depending on the IDF provider, the fees, surcharges and interest payments can make IDF an expensive form of finance. IDF is a long term commitment

Because the Credebt Exchange® Intelligent Finance model is a purchasing model as opposed to a lending model. The Originator sells their invoices/ETR to Credebt Exchange® and once the Purchase Price is paid to the Originator, Credebt Exchange® owns the ETR. The Originator is using its own assets to generate cash and is selling them to Credebt Exchange®. Credebt Exchange® Intelligent Finance has no use for onerous loan finance terms, liens or guarantees (even personal guarantees). When successfully implemented, the Originator can become less reliant on banks or finance providers, is more self-sufficient and has a greater influence and control of its destiny

Credebt Exchange® Intelligent Finance enables service and goods providers to offer their invoices as Exchange Traded Receivables [ETR] for sale on the Exchange. The Credebt Exchange® Intelligent Finance model makes ETR attractive to Investors that must compete to purchase these short-term, low risk investments. As Investors compete, they automatically support the Credebt Exchange® Intelligent Finance objective to achieve rates that are comparable to, and preferably less than, other commercial finance alternatives or bank lending rates

Micro-medium sized organisations are Originators on the Exchange and sell their ETR to Credebt Exchange®

Because the Credebt Exchange® model is specifically designed to deliver Intelligent Finance to micro-medium sized organisations without the need for liens or personal guarantees

Organisations should only use the Exchange when they need to raise additional Intelligent Finance to improve their liquidity and/or to help grow their business

Simply follow the steps below to become an Originator on the Exchange

After you have registered, you must complete an online application form and if this is approved (the approval process is not guaranteed. Member organisations are vetted thoroughly, to ensure they are credible, viable and trustworthy), you are then an official Member of the Exchange and can begin trading

Any reputable organisation can trade, once they are a Member of the Exchange

The Exchange is a fast moving, liquid market and funds are allocated on a ‘first come, first served’ basis. Funds allocated to unconfirmed Revolving ETR Purchase Agreement [RPA] Offers are re-allocated to other Originators (and may not be re-issued for some time). Therefore, it is important that if you receive an RPA Offer, and the terms of the offer are acceptable to you, that you confirm your acceptance without delay. To avoid any Over Allocation surcharge, it is important that the funds allocated to you are substantially utilised (i.e. at least 75% used) within 30-days from the date of confirmation

The working capital requirement of a business is the minimum amount of resources that an organisation needs to cover the usual costs and expenses necessary to operate. Capital Requirement is a basic business concept that is understood by any business person. In some instances, Capital Requirement may extend to include research and development cost and other expenses where additional capital is required for commercial and/or strategic advantage

Short-term commercial finance is a short term loan that is used to increase the amount of actual cash an organisation has and requires, to meet its Capital Requirements. This cash is working capital that can then be used to negotiate better deals with suppliers, pay staff and other overheads and to improve the overall health and growth prospects of the business

Invoice Discounting/Factoring [IDF] is another form of short-term commercial finance. The IDF provider uses your invoices as an asset and secures the money they advance/loan to you against these invoices. Typically, IDF providers require that you sell your entire debtors ledger and also personally guarantee any bad debts. IDF contracts are unwieldy and, once signed, are difficult to unwind and cancel. Additionally and depending on the IDF provider, the fees, surcharges and interest payments can make IDF an expensive form of finance. IDF is a long term commitment

Because the Credebt Exchange® Intelligent Finance model is a purchasing model as opposed to a lending model. The Originator sells their invoices/ETR to Credebt Exchange® and once the Purchase Price is paid to the Originator, Credebt Exchange® owns the ETR. The Originator is using its own assets to generate cash and is selling them to Credebt Exchange®. Credebt Exchange® Intelligent Finance has no use for onerous loan finance terms, liens or guarantees (even personal guarantees). When successfully implemented, the Originator can become less reliant on banks or finance providers, is more self-sufficient and has a greater influence and control of its destiny

Credebt Exchange® Intelligent Finance enables service and goods providers to offer their invoices as Exchange Traded Receivables [ETR] for sale on the Exchange. The Credebt Exchange® Intelligent Finance model makes ETR attractive to Investors that must compete to purchase these short-term, low risk investments. As Investors compete, they automatically support the Credebt Exchange® Intelligent Finance objective to achieve rates that are comparable to, and preferably less than, other commercial finance alternatives or bank lending rates

Micro-medium sized organisations are Originators on the Exchange and sell their ETR to Credebt Exchange®

Because the Credebt Exchange® model is specifically designed to deliver Intelligent Finance to micro-medium sized organisations without the need for liens or personal guarantees

Organisations should only use the Exchange when they need to raise additional Intelligent Finance to improve their liquidity and/or to help grow their business

Simply follow the steps below to become an Originator on the Exchange

After you have registered, you must complete an online application form and if this is approved (the approval process is not guaranteed. Member organisations are vetted thoroughly, to ensure they are credible, viable and trustworthy), you are then an official Member of the Exchange and can begin trading

Any reputable organisation can trade, once they are a Member of the Exchange

The Exchange is a fast moving, liquid market and funds are allocated on a ‘first come, first served’ basis. Funds allocated to unconfirmed Revolving ETR Purchase Agreement [RPA] Offers are re-allocated to other Originators (and may not be re-issued for some time). Therefore, it is important that if you receive an RPA Offer, and the terms of the offer are acceptable to you, that you confirm your acceptance without delay. To avoid any Over Allocation surcharge, it is important that the funds allocated to you are substantially utilised (i.e. at least 75% used) within 30-days from the date of confirmation

The working capital requirement of a business is the minimum amount of resources that an organisation needs to cover the usual costs and expenses necessary to operate. Capital Requirement is a basic business concept that is understood by any business person. In some instances, Capital Requirement may extend to include research and development cost and other expenses where additional capital is required for commercial and/or strategic advantage

Short-term commercial finance is a short term loan that is used to increase the amount of actual cash an organisation has and requires, to meet its Capital Requirements. This cash is working capital that can then be used to negotiate better deals with suppliers, pay staff and other overheads and to improve the overall health and growth prospects of the business

Invoice Discounting/Factoring [IDF] is another form of short-term commercial finance. The IDF provider uses your invoices as an asset and secures the money they advance/loan to you against these invoices. Typically, IDF providers require that you sell your entire debtors ledger and also personally guarantee any bad debts. IDF contracts are unwieldy and, once signed, are difficult to unwind and cancel. Additionally and depending on the IDF provider, the fees, surcharges and interest payments can make IDF an expensive form of finance. IDF is a long term commitment

Because the Credebt Exchange® Intelligent Finance model is a purchasing model as opposed to a lending model. The Originator sells their invoices/ETR to Credebt Exchange® and once the Purchase Price is paid to the Originator, Credebt Exchange® owns the ETR. The Originator is using its own assets to generate cash and is selling them to Credebt Exchange®. Credebt Exchange® Intelligent Finance has no use for onerous loan finance terms, liens or guarantees (even personal guarantees). When successfully implemented, the Originator can become less reliant on banks or finance providers, is more self-sufficient and has a greater influence and control of its destiny

Credebt Exchange® Intelligent Finance enables service and goods providers to offer their invoices as Exchange Traded Receivables [ETR] for sale on the Exchange. The Credebt Exchange® Intelligent Finance model makes ETR attractive to Investors that must compete to purchase these short-term, low risk investments. As Investors compete, they automatically support the Credebt Exchange® Intelligent Finance objective to achieve rates that are comparable to, and preferably less than, other commercial finance alternatives or bank lending rates

Micro-medium sized organisations are Originators on the Exchange and sell their ETR to Credebt Exchange®

Because the Credebt Exchange® model is specifically designed to deliver Intelligent Finance to micro-medium sized organisations without the need for liens or personal guarantees

Organisations should only use the Exchange when they need to raise additional Intelligent Finance to improve their liquidity and/or to help grow their business

Simply follow the steps below to become an Originator on the Exchange

After you have registered, you must complete an online application form and if this is approved (the approval process is not guaranteed. Member organisations are vetted thoroughly, to ensure they are credible, viable and trustworthy), you are then an official Member of the Exchange and can begin trading

Any reputable organisation can trade, once they are a Member of the Exchange

The Exchange is a fast moving, liquid market and funds are allocated on a ‘first come, first served’ basis. Funds allocated to unconfirmed Revolving ETR Purchase Agreement [RPA] Offers are re-allocated to other Originators (and may not be re-issued for some time). Therefore, it is important that if you receive an RPA Offer, and the terms of the offer are acceptable to you, that you confirm your acceptance without delay. To avoid any Over Allocation surcharge, it is important that the funds allocated to you are substantially utilised (i.e. at least 75% used) within 30-days from the date of confirmation