{"id":44124,"date":"2017-08-01T10:05:53","date_gmt":"2017-08-01T08:05:53","guid":{"rendered":"https:\/\/newserver.fyb.de\/produkt\/finetrading-intelligent-solution-of-goods-purchases-and-consignment-warehouses\/"},"modified":"2017-08-01T10:05:53","modified_gmt":"2017-08-01T08:05:53","slug":"finetrading-intelligent-loesing-of-goods-buying-and-consignment-stores","status":"publish","type":"product","link":"https:\/\/www.fyb.de\/en\/produkt\/finetrading-intelligent-loesing-of-goods-buying-and-consignment-stores\/","title":{"rendered":"Finetrading \u2014 Intelligent solution of goods purchases and consignment warehouses"},"content":{"rendered":"

Petri Penn\u00ada\u00adnen<\/strong> \u2014 Mana\u00adging Direc\u00adtor WCF Fine\u00adtra\u00adding GmbH, Munich<\/p>\n

Clemens Wagner<\/strong> \u2014 Direc\u00adtor Consul\u00adting and Sales WCF Fine\u00adtra\u00adding GmbH, Munich<\/p>\n","protected":false},"excerpt":{"rendered":"

A balan\u00adced finan\u00adcing mix is play\u00ading an incre\u00adasingly important role for compa\u00adnies. Rating issues are beco\u00adming incre\u00adasingly important. For this reason, many compa\u00adnies, espe\u00adci\u00adally SMEs, have become signi\u00adfi\u00adcantly more profes\u00adsio\u00adnal in recent years in order to place their finan\u00adcing on a broa\u00adder basis and thus become more inde\u00adpen\u00addent of banks. Inno\u00adva\u00adtive alter\u00adna\u00adti\u00adves to tradi\u00adtio\u00adnal bank finan\u00adcing, such as leasing, facto\u00adring and fine\u00adtra\u00adding, which is aimed speci\u00adfi\u00adcally at SMEs and is still rela\u00adtively new, have been making a steadily growing contri\u00adbu\u00adtion to this for years. Fine\u00adtra\u00adding not only increa\u00adses the available liqui\u00addity and can be used flexi\u00adbly. Rather, it can also lead to an impro\u00adve\u00adment in balance sheet ratios.<\/strong><\/p>\n

In addi\u00adtion to leasing and facto\u00adring, which have been estab\u00adlished on the market for some time, fine\u00adtra\u00adding is still a young alter\u00adna\u00adtive to tradi\u00adtio\u00adnal finan\u00adcing and aims to make unused cash discounts available to SMEs and free up liqui\u00addity. Unlike facto\u00adring, fine\u00adtra\u00adding is a purely commer\u00adcial tran\u00adsac\u00adtion that starts with purcha\u00adsing and is based on a trian\u00adgu\u00adlar rela\u00adti\u00adonship: A midd\u00adle\u00adman, the fine\u00adtrader, inter\u00advenes between the custo\u00admer and the supplier. After the two parties have reached a commer\u00adcial agree\u00adment, he acts as a new debtor and acqui\u00adres the goods in accordance with the custo\u00admer\u2019s order. While the goods are deli\u00advered directly to the custo\u00admer, the invoice goes to the fine\u00adtrader and is paid by him immediately.<\/p>\n

The supplier bene\u00adfits from the elimi\u00adna\u00adtion of the risk of default and a predic\u00adta\u00adble, rapid receipt of payment. The fine\u00adtrader agrees with the custo\u00admer on a payment term of up to 120 days, depen\u00adding on the capi\u00adtal commit\u00adment period of the plan\u00adned tran\u00adsac\u00adtion. The company takes advan\u00adtage of the cash discount and gains time to gene\u00adrate sales before paying for the orde\u00adred goods on the market. The custo\u00admer alone deci\u00addes how long to use this exten\u00added supplier credit. Until final payment, the owner\u00adship rights to the deli\u00advery shall remain with the Fine\u00adtra\u00adding Company, which shall, howe\u00adver, grant the custo\u00admer the right to process and further sell the delivery.<\/p>\n","protected":false},"featured_media":41251,"comment_status":"open","ping_status":"closed","template":"","meta":{"wp_typography_post_enhancements_disabled":false},"product_brand":[],"product_cat":[2452,2547,2550,2560],"product_tag":[1803,1956,2051,2052,2056,2060,2063,2143,2148],"class_list":{"0":"post-44124","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-ebook-en","7":"product_cat-clemens-wagner-en","8":"product_cat-fyb-2015","9":"product_cat-petri-pennanen-en","10":"product_tag-financing-mix","11":"product_tag-finetrading-en","12":"product_tag-wagner-en","13":"product_tag-liquidity","14":"product_tag-clemens-en","15":"product_tag-pennanen-en","16":"product_tag-petri-en","17":"product_tag-independent-of-banks","18":"product_tag-balance-sheet-key-figures","19":"pa_sprache-english-3","20":"pa_sprache-german","22":"first","23":"outofstock","24":"taxable","25":"shipping-taxable","26":"purchasable","27":"product-type-variable"},"yoast_head":"\nFinetrading - Intelligent solution of goods purchases and consignment warehouses - FYB Financial Yearbook<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fyb.de\/en\/produkt\/finetrading-intelligent-loesing-of-goods-buying-and-consignment-stores\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finetrading - Intelligent solution of goods purchases and consignment warehouses - FYB Financial Yearbook\" \/>\n<meta property=\"og:description\" content=\"A balanced financing mix is playing an increasingly important role for companies. Rating issues are becoming increasingly important. For this reason, many companies, especially SMEs, have become significantly more professional in recent years in order to place their financing on a broader basis and thus become more independent of banks. Innovative alternatives to traditional bank financing, such as leasing, factoring and finetrading, which is aimed specifically at SMEs and is still relatively new, have been making a steadily growing contribution to this for years. Finetrading not only increases the available liquidity and can be used flexibly. Rather, it can also lead to an improvement in balance sheet ratios. In addition to leasing and factoring, which have been established on the market for some time, finetrading is still a young alternative to traditional financing and aims to make unused cash discounts available to SMEs and free up liquidity. 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