Working capital pressure usually shows up in one of two places: paying suppliers, or waiting for customers to pay. Hemera’s two core products address each side of the trade cycle.
Purchase invoice financing
Our financing partner pays the supplier upfront, and the client repays later — freeing up working capital across the trade cycle.
- Financing partner pays the supplier
- Client receives goods and working capital relief
- Client repays on agreed terms
Key terms: 30–90 day tenor with an invoice-backed security structure. It is ideal for mid-sized manufacturers, traders and FMCG companies — and early payment can also unlock supplier discounts.
Sales invoice discounting
Our financing partner advances funds against outstanding receivables, with repayment aligned to invoice maturity — accelerating cash flow without waiting on customer payment cycles.
- 70–90% advance rate against receivables
- Repayment timed to invoice maturity
- Improves receivables cycle efficiency
Side by side
| Purchase invoice financing | Sales invoice discounting | |
|---|---|---|
| Solves | Supplier payments | Slow-paying receivables |
| Funds flow to | Your supplier | Your business |
| Repayment | On agreed terms (30–90 days) | On invoice maturity |
| Security | Invoice-backed | Receivables-backed |
Many businesses use both: one to secure inventory on better terms, the other to turn sales into cash sooner. Talk to us about which structure fits your cycle.
Download the overview
A two-page summary of Hemera Group’s solutions, risk framework and offices — read it below or download a copy.
