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Sectors & ecosystems

Construction & Energy

Turn long-term open-account sales into predictable, financed receivables.

Cement, steel, building supplies and fuel are sold in large amounts on open account with long terms. Producers and distributors carry heavy receivables, while dealers and contractors need credit to keep working. Paynion brings limits, supplier finance and DBS collections into one flow.

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Challenges we hear

01

Receivables weigh on the balance sheet

Long open-account terms leave producers and distributors financing their customers.

02

High-ticket credit risk

A single unpaid delivery can be costly, so limits must reflect real trading data.

03

Suppliers wait to be paid

Smaller suppliers to large buyers wait until maturity unless they can finance approved invoices.

How Paynion helps

Financing Infrastructure

Set data-driven limits for dealers and contractors, run supplier finance with invoice capture and buyer approval, and collect at maturity through DBS.

FinansZ

Dealers and fuel stations track orders, current accounts and e-invoices in one panel, with every bank account visible through open banking.

Paynion Gate

Supports instant FAST payouts to suppliers and instant collections for time-sensitive deliveries.

Use cases

Building-materials dealer financing

A cement producer's dealers order on limit; the producer is paid and the dealer repays via DBS at maturity.

Supplier finance for contractors

A contractor approves its suppliers' invoices, and suppliers get paid early through the financier.

Fuel distribution limits

A fuel distributor manages station limits and collections centrally while stations run their back office in one panel.

How it works

How supplier finance works

  1. 1

    Connect the buyer

    The buyer and its suppliers are onboarded with agreed rule sets.

  2. 2

    Capture invoices

    Supplier invoices are captured from e-invoice data.

  3. 3

    Buyer approves

    The buyer confirms the invoices it will pay at maturity.

  4. 4

    Supplier is paid early

    The financier pays the supplier against the approved invoice.

  5. 5

    Settle at maturity

    The buyer pays the financier at maturity and positions are tracked centrally.

Sectors & ecosystems

See all industries

Automotive

Dealer financing, spare-parts ordering and collections for OEMs, distributors and their dealer networks.

  • Financing Infrastructure
  • FinansZ
  • Paynion Gate

White Goods & Electronics

Limit, order and collection management for brands and distributors with dense dealer and sub-dealer networks.

  • Financing Infrastructure
  • FinansZ

Agriculture

Input financing and collections for fertiliser, seed, feed and machinery dealers and cooperatives.

  • Financing Infrastructure
  • FinansZ

Let's launch your first product without touching your existing systems

Tell us which product you want to start with — we'll shape the PoC together.

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