Finance
B2B Companies Embrace Invoice Financing to Drive Business Continuity
As businesses evolve, so too do the ways in which they pay and get paid.
After all, cash flow is the lifeblood of any business.
Against that backdrop, there exists a broader trend in the FinTech industry where innovative solutions are transforming the traditional landscape of accounts receivable (AR) and invoice financing.
There are three primary factors influencing the contemporary B2B landscape, Ben Weiner, senior vice president and global head of B2B Payments at Nuvei, told PYMNTS, citing prevailing high interest rates, the growth and challenges faced by small- to medium-sized businesses (SMBs) and the increasing interest in alternative capital within the FinTech sector.
Weiner explained that high interest rates have narrowed the spread between prime rates and the annual percentage rates (APRs) for alternative capital, making such solutions more attractive.
At the same time, SMBs, although growing, face difficulties in accessing unsecured credit and are driven by “an often unrealistic” need for efficiency. Taken together, these realities have led to the concept of alternative capital gaining traction.
“This started back with the whole buy now, pay later (BNPL) craze on the consumer side, and it’s starting very slowly to trickle into B2B payments,” said Weiner, noting that high interest rates and inflation are putting a lot of strain on businesses, while at the same time, buyers are “really driving the balance sheets” of suppliers.
He explained that many smaller suppliers are “stuck between” large B2B buyers that frequently not just set the terms, but often pay beyond the terms, creating “an odd cash flow dynamic” for the suppliers.
Increasingly, suppliers are looking for the right tools to help them fight back and increase the certainty and speed of cash for their balance sheets.
Read also: Nuvei Launches Invoice Financing Service Integrated With Leading ERP Systems
Tapping AR Innovations for Business Continuity and Growth
To help solve for this issue, Nuvei in April debuted a cutting-edge invoice financing solution aimed at enhancing merchant cash flow. Invoice financing enables businesses to access cash within 24 hours by converting outstanding invoices into immediate working capital. It also enhances cash flow with one-click financing integrated into enterprise resource planning (ERP) systems.
“Our mission is to balance the financial equation,” Weiner said. “We want to give suppliers the tools to take back control of their balance sheets.”
He illustrated the ideal use case of an SMB supplier receiving a large order with extended payment terms from a significant buyer. The supplier faces multiple financial obligations and growth opportunities that require immediate funding, but by using an innovative embedded invoice financing solution, the supplier can finance the invoice at competitive rates within their existing accounting processes, thus ensuring business continuity and growth.
Weiner explained that by embedding invoice financing solutions within suppliers’ ERP systems, modern solutions can ensure seamless integration and usability, addressing a pain point for businesses that may have previously been relying on external, often clunky, financing solutions.
At a high level across the B2B landscape, technology and automation are increasingly playing crucial roles in transforming AR processes. By driving efficiency from purchase order (PO) to cash, businesses can accelerate growth and improve margins. Innovations in AR automation, such as facilitating interactions on partial payments and eliminating manual processes, are helping businesses streamline operations and reduce friction.
“It’s important to remember that AR is sales, so when you do that effectively from an automated perspective, you should be able to drive growth and enhance margins,” Weiner said. “Funding more orders, bigger orders, and being able to make business decisions more quickly while eliminating manual processes like the three-way match” are all immediate impacts of embracing AR automation.
Ongoing Innovations in AR and Invoice Financing
Looking ahead, Weiner identified two key areas of innovation: expanding the total addressable market for invoice financing and using artificial intelligence and machine learning.
The next step involves financing pre-invoice stages, such as PO financing, which could attract lenders with a higher risk appetite. Additionally, AI and machine learning can provide predictive insights, helping suppliers identify financing opportunities and optimize their cash flow strategies.
“Failing to modernize isn’t really an option,” Weiner said. “There are things like, ‘my customers all pay with paper check,’ but we know that effective buyer-facing portals will help drive that down. ‘Cost of accepting a credit card is too high,’ but we know that the all-in cost, considering time and labor and the lack of certainty, can shift that calculus … the real question is more about how many vendors do you want touching your ecosystem and your tech. Do you want point solutions or something more holistic?”
He added: “The common thread, at least for suppliers, is smarter decisions, more efficiency and taking control of working capital.”
For all PYMNTS B2B coverage, subscribe to the daily B2B Newsletter.
The UK’s financial regulator should consider expanding its oversight to cover advanced artificial intelligence models used in financial services, according to a review commissioned by the Financial Conduct Authority (FCA), as policymakers assess whether existing rules can keep pace with rapidly evolving AI technology.
The Monetary Authority of Singapore (MAS), the city state’s central bank and financial regulator, has joined forces with major financial institutions and FinTechs to release a white paper aimed at keeping AI agents in finance operating within safe limits.
The paper, called Safeguards for Agentic Finance at Runtime (SAFR), lays out an industry-built framework designed to let AI agents perform financial tasks in a manner that is safe, secure and dependable. It has been produced under BuildFin.ai, the MAS programme that backs the responsible creation and rollout of AI tools across the financial sector.
The push comes as AI agents take on more autonomous work at a pace that makes hands-on human oversight impractical. In response, firms require real-time controls that keep agent behaviour inside the mandates, policies and risk limits they have defined. SAFR answers this with a series of governance checkpoints that check and log each action an agent proposes before that task is carried out.
The framework extends the AI Risk Management toolkit created through MAS’ Project Mindforge, concentrating on how protections can be put into practice at the moment an agent acts. The white paper maps out how measures such as policy bound execution, real time validation, auditability and interoperability can be woven into system operations, giving institutions the confidence to deploy agents consistently.
Industry participants have already tested SAFR in several settings. These include agent-assisted payments and treasury work, where agents handle routine transactions inside set mandates to cut friction and lift efficiency; wealth management and advisory processes, where agents examine documents and produce structured assessments within tightly defined task limits to speed up compliance reviews; and client engagement, where agents create insights and draft materials within approved content boundaries so staff can serve clients more productively.
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Talking about finances can be stressful, but it’s even more stressful if you’re not sure what advice is good and what advice might put you in a worse position than you started in.
Recently, a Reddit user who goes by market_vision1 asked, “What is the worst financial advice people still repeat?” I took out a little pen and paper while I was reading through these, like, “Lemme write that down. And that. Oh! And that, too!” I’m curious what you think, though. Are all of these things we should avoid financially?
1. “One of the more damaging ideas out there is ‘Oh, you’re young, don’t worry about money, just go have fun and worry about it when you are older.’ Of course, the number one regret I hear from clients nearing retirement is that they wish they had just started saving when they were younger.”
—u/hems86
2. “The ‘tax bracket’ myth should be illegal. My uncle turned down a $10K raise because he thought he’d ‘lose money.’ He literally paid $10,000 to avoid $2,200 in taxes. That’s not a tax strategy. That’s a $7,800 donation to the Dumba— Fund, and he’s the chair.”
—u/Serious_Cress5040
Related: “31 Things Only Super Wealthy People Can Buy That You Probably Don’t Even Know Exist”
3. “People living outside of their means and not realizing it. They say things like, ‘You deserve X, don’t settle for less.’ Most of the people I see who are broke are not 100% victims of the system. The majority of people waste their money on dumb stuff that they can’t afford. They’ll tell me they’ve cut out all unnecessary spending, but when I look at their actual expenses, I see otherwise. Spending $800 a month on DoorDash, financing a new car with a $900 monthly payment, going on international vacations, spending 70% of their income on rent in a fancier apartment when there are options for cheaper living.”
—u/hems86
4. “I’m a financial planner, and some of the worst advice I’ve ever heard is ‘Don’t pay off your credit cards in full. Carrying a balance on your credit card builds your credit; paying it off every month hurts your score.’ People say this to me all the time when I ask why they carry a balance on their card with 25% interest when they have more than enough to pay it off.”
—u/hems86
5. “It’s not so much advice as it is a financial choice. I know people who are taking out 96-month loans on cars they never should’ve considered in the first place, just because they can make the car note when it’s stretched over eight years. They never considered the interest on the loan plus the rate cars depreciate and are befuddled when they can’t afford to trade it in.”
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