SME cashflow shortage offer: invoice financing в момент cash gap

Сценарий

SME клиент банка имеет recurring patterns: salary day для employees, supplier payments, ВЭД flows. В этот месяц incoming payment delayed (customer pays at 30 days вместо 15). SME owner использует overdraft expensive или delays employees.

Без trigger SME owner does not know об invoice financing options.

Триггер

Pattern detection через расчётный счёт + accounting integration:

• Outgoing patterns regular (salary day approaching, supplier due).
• Expected incoming delayed (customer payment overdue 5+ days).
• Account balance approaching critical threshold.
• SME credit profile good.

Действие

Push в SME app: «Customer X задерживает оплату invoice $30k. Доступно invoice financing — мы выдаём $25k сейчас, customer pays нам через 30 дней. Воспользоваться?».

Frictionless: link to invoice → review terms → consent → funds disbursed.

Banking-specific concerns

Customer’s customer creditworthiness assessment — нужно для invoice financing.

Recourse vs non-recourse — какой risk модель.

Regulator — некоторые jurisdictions require additional licensing для invoice financing.

Что меряется

Acceptance rate.

Repayment success rate.

Customer satisfaction.

Cross-sell follow-up.

Связанное

• /solutions/banking-sme-platform/ — SME platform
• /architecture/banking-realtime-decisioning/ — decisioning
• /insights/banking-sme-economics/ — SME economics
• /insights/banking-cross-sell-economics/ — cross-sell