Vietnam's retail market is witnessing explosive growth with a series of large and small supermarket chains springing up like mushrooms after the rain. However, behind the glory of the retail industry, suppliers are facing a difficult problem: lack of business capital. Let's Bizzi Learn about solutions to advance sales invoices through the article below.
Capital challenges of suppliers for supermarket chains
Tuy nhiên, đằng sau ánh hào quang của sự tăng trưởng này là những khó khăn chồng chất mà các nhà cung cấp đang phải đối mặt, đặc biệt là vấn đề về vốn. Các nhà cung cấp cho chuỗi siêu thị thường xuyên gặp khó khăn trong việc duy trì dòng tiền ổn định do thời gian thanh toán kéo dài, có thể lên đến vài tháng. Điều này khiến họ rơi vào tình trạng “đói vốn”, không đủ tài chính để duy trì hoạt động sản xuất, kinh doanh và mở rộng quy mô.
- Debt collection time is prolonged: Normally, suppliers have to wait from 1 to 6 months to receive payment from supermarket chains. This causes their cash flow to become clogged, making it difficult to maintain production and business activities.
- Low credit limit, difficult to access loans: Suppliers, especially small and medium-sized enterprises, often have difficulty accessing loans from banks due to low credit limits, cumbersome procedures and collateral requirements.
- Lack of effective cash flow management system: Many suppliers do not have a professional cash flow management system, leading to not clearly understanding the financial situation, making it difficult to make accurate business decisions.
These challenges create a vicious cycle: lack of capital leads to difficulties in production and business, thereby making it even more difficult to access capital. If this situation lasts, the business may fall into bankruptcy.
Consequences of capital shortage
Prolonged lack of capital not only limits the supplier's ability to expand its business but also causes serious consequences such as delivery delays, production interruptions, and even the risk of bankruptcy.
- Limit the ability to expand business: Lack of investment capital prevents businesses from expanding production and business, missing many development opportunities.
- Production interruption: Insufficient capital to buy raw materials and pay workers, leading to production interruptions, delivery delays, and affecting the reputation of the business.
- Risk of bankruptcy: If the lack of capital persists, the business may fall into insolvency, leading to bankruptcy.
Financial solutions to finance advance sales invoices: Lifesaver for suppliers
In order to solve the capital problem for suppliers, Bizzi Financing đã hợp tác cùng Validus, nền tảng tài chính hàng đầu Đông Nam Á, cho ra mắt giải pháp “Tài trợ ứng trước hóa đơn bán hàng”. Đây được coi là một giải pháp tài chính đột phá, mang đến nhiều lợi ích thiết thực cho nhà cung cấp:
- Advance up to 100% invoice value: Bizzi allows suppliers to advance up to 100% of sales invoice value, helping them quickly obtain the necessary capital to maintain business operations.
- No collateral required: Unlike bank loans, Bizzi does not require suppliers to have collateral, making it easier for them to access capital.
- Funding limit up to 3 billion VND: Bizzi provides flexible financing limits of up to 3 billion VND, meeting the diverse capital needs of suppliers.
- Competitive interest rates: Bizzi is committed to providing competitive interest rates compared to other unsecured loan packages on the market, helping to minimize the financial burden on suppliers.
- Simple procedure, online 100%: Bizzi's registration and disbursement process is done completely online, saving time and effort for suppliers.
- Centralized management platform: Bizzi provides an online platform for suppliers to easily track information about invoices, debts, limits and account balances.
- Online tool for loan package consultation: Bizzi has an online tool that helps providers quickly find the right loan package for their needs.
The future of financial solutions to advance sales invoices to suppliers
Sự hợp tác giữa Bizzi và Validus được kỳ vọng sẽ tạo ra bước đột phá trong lĩnh vực tài chính chuỗi cung ứng tại Việt Nam. Giải pháp “Tài trợ ứng trước hóa đơn bán hàng” không chỉ là giải pháp tình thế giúp nhà cung cấp vượt qua khó khăn hiện tại mà còn là xu hướng tất yếu của tương lai, góp phần thúc đẩy sự phát triển bền vững của thị trường bán lẻ.
With outstanding advantages, this solution promises to attract the attention of many suppliers, opening up opportunities to access capital more easily and effectively. This is also a testament to the continuous efforts of Bizzi and Validus in applying technology to bring creative financial solutions to meet the increasing needs of the market.
If you are a supplier facing capital difficulties, do not hesitate to contact Bizzi for advice and support.
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