ARi Trade for factoring: increase your factoring financing to 100%!
Factoring: how can you finance faster to finance better? This is the question that ARi Trade answers. Discover the interview with Sacha Benibri and Santiago de Kergommeaux - sales representatives of Fibus Digital - during the AFTE | Treasury Innovation Day to understand how ARi Trade transforms factoring into an even more efficient cash flow lever.
With ARI Trade, financial departments can:
▪ Reduce financing times: automated assignments in 5 minutes.
▪ Maximise their financing: detection of underfinancing to gain up to 15% more liquidity.
▪ Manage their credit insurance in an integrated manner, with an average of +12% coverage.
▪ Gain in efficiency thanks to compatibility with all ERPs, factors and insurers.
With ARI Trade, financial departments can:
▪ Reduce financing times: automated assignments in 5 minutes.
▪ Maximise their financing: detection of underfinancing to gain up to 15% more liquidity.
▪ Manage their credit insurance in an integrated manner, with an average of +12% coverage.
▪ Gain in efficiency thanks to compatibility with all ERPs, factors and insurers.
ARi Trade for factoring: increase your factoring financing to 100%!
With English subtitles:
Transcription of the interview:
Sacha Benibri : Hello everyone, hello Santiago. Today, we are here to talk to you about a solution we provide to finance departments and treasurers. ARI Trade is a software solution dedicated to the implementation and optimization of factoring contracts.
The innovation - since that’s the theme of the day - lies in our ability to address all factoring challenges through a single platform.
There are three key takeaways from our discussion with Santiago:
1. With ARI Trade, you can set up your factoring programs in just 15 days.
2. On average, you will increase financing by 15% on each of your transactions.
3. You will reduce by a factor of 5 the time spent on the daily management of your factoring programs.
Santiago de Kergommeaux : Our ARI Trade software was born from a simple observation: factoring is an excellent financing and growth tool for businesses. However, it is a structuring mechanism that requires both industry expertise and IT capabilities. The first challenge encountered is its implementation.
Sacha : Indeed, financial directors and treasurers we interact with often tell us that setting up a factoring contract can be long, time-consuming, and resource-intensive for internal teams. You need to develop files according to very specific requirements, possibly reorganize your ERP, and go back and forth with your factor to validate files.
With ARI, these challenges are no longer an issue. During the setup of your contracts, you have access to industry experts who have worked in factoring for over 20 years, supporting more than 800 clients. They have encountered all types of contracts and assist all types of businesses, from SMEs to large corporations. These experts are available to help your teams set up factoring programs in less than 15 days.
Santiago : Over 20 years of experience, and beyond just implementation, we’ve realized that managing an existing factoring contract can be tedious and complex. For treasurers and financial directors, understanding the financing mechanisms of factors can sometimes be difficult.
Let’s take a concrete example: you decide to sell €10 million in receivables, assuming a 10% reserve by factors, so you expect to receive €9 million. But in reality, you only receive €8 million. Why is there a discrepancy between the €8 million received and the €9 million expected?
Sacha : That’s indeed a tricky question that can sometimes be frustrating. One possible reason for this shortfall in financing is an improperly qualified buyer database—for example, missing SIREN numbers or incomplete addresses.
With ARI, we provide an AI-powered module that pre-checks your buyer database and alerts you to any missing or incorrect information. You can then directly correct your data to ensure that the information sent to your factor is flawless. This not only increases your financing - since there are no more errors - but also saves you time by avoiding back-and-forth exchanges with your factor.
Santiago : Another key issue closely tied to factoring is credit insurance. We all agree that to maximize financing, the coverage should at least equal the total assigned amount. Yet, even in 2025, most insurers and factors still lack a precise, clear software solution for transferring and sharing their data.
Sacha : Exactly. This is precisely the area where we have concentrated our innovation and R&D efforts in recent years. We have directly integrated APIs within the ARI platform, connecting with credit insurers. This allows you to view your credit insurance coverage in real-time within the platform. More importantly, it enables you to submit new coverage requests to ensure that these guarantees match your outstanding amounts.
What we observe is that with this buyer database preview module and the integrated credit insurance module, our clients increase their financing by an average of 15% per transaction.
Going back to your earlier example, Santiago, where you expected €9 million in financing, you will now actually receive the full €9 million - no more bad surprises. Well, with just one small caveat…
Santiago : There is still one occasional scenario that justifies a financing shortfall: when factors hold an additional reserve because they believe they haven't received the payment, even though the clients have actually paid. Why does this happen?
Sacha : Exactly. This is a common issue, especially at the start of contracts when clients must be informed of a new bank account (RIB) for payments. Some clients may still send payments to the old account, creating discrepancies that result in the factor withholding reserves—leading to under-financing.
ARI is directly connected to your accounting system, allowing it to track your clients' payments and identify any discrepancies as the contract progresses. It alerts you and provides this information so you can rectify the situation immediately—without your factor even noticing. As a result, you maximize your financing and once again save a significant amount of time by avoiding back-and-forth exchanges with your factor.
To summarize, three key points from today's presentation:
1. With ARI, you can implement your factoring programs in 15 days.
2. On average, you increase financing by 15% per transaction.
3. You reduce by a factor of 5 the time spent on daily management of your factoring programs.
Thank you all, and thank you, Santiago.
The innovation - since that’s the theme of the day - lies in our ability to address all factoring challenges through a single platform.
There are three key takeaways from our discussion with Santiago:
1. With ARI Trade, you can set up your factoring programs in just 15 days.
2. On average, you will increase financing by 15% on each of your transactions.
3. You will reduce by a factor of 5 the time spent on the daily management of your factoring programs.
Santiago de Kergommeaux : Our ARI Trade software was born from a simple observation: factoring is an excellent financing and growth tool for businesses. However, it is a structuring mechanism that requires both industry expertise and IT capabilities. The first challenge encountered is its implementation.
Sacha : Indeed, financial directors and treasurers we interact with often tell us that setting up a factoring contract can be long, time-consuming, and resource-intensive for internal teams. You need to develop files according to very specific requirements, possibly reorganize your ERP, and go back and forth with your factor to validate files.
With ARI, these challenges are no longer an issue. During the setup of your contracts, you have access to industry experts who have worked in factoring for over 20 years, supporting more than 800 clients. They have encountered all types of contracts and assist all types of businesses, from SMEs to large corporations. These experts are available to help your teams set up factoring programs in less than 15 days.
Santiago : Over 20 years of experience, and beyond just implementation, we’ve realized that managing an existing factoring contract can be tedious and complex. For treasurers and financial directors, understanding the financing mechanisms of factors can sometimes be difficult.
Let’s take a concrete example: you decide to sell €10 million in receivables, assuming a 10% reserve by factors, so you expect to receive €9 million. But in reality, you only receive €8 million. Why is there a discrepancy between the €8 million received and the €9 million expected?
Sacha : That’s indeed a tricky question that can sometimes be frustrating. One possible reason for this shortfall in financing is an improperly qualified buyer database—for example, missing SIREN numbers or incomplete addresses.
With ARI, we provide an AI-powered module that pre-checks your buyer database and alerts you to any missing or incorrect information. You can then directly correct your data to ensure that the information sent to your factor is flawless. This not only increases your financing - since there are no more errors - but also saves you time by avoiding back-and-forth exchanges with your factor.
Santiago : Another key issue closely tied to factoring is credit insurance. We all agree that to maximize financing, the coverage should at least equal the total assigned amount. Yet, even in 2025, most insurers and factors still lack a precise, clear software solution for transferring and sharing their data.
Sacha : Exactly. This is precisely the area where we have concentrated our innovation and R&D efforts in recent years. We have directly integrated APIs within the ARI platform, connecting with credit insurers. This allows you to view your credit insurance coverage in real-time within the platform. More importantly, it enables you to submit new coverage requests to ensure that these guarantees match your outstanding amounts.
What we observe is that with this buyer database preview module and the integrated credit insurance module, our clients increase their financing by an average of 15% per transaction.
Going back to your earlier example, Santiago, where you expected €9 million in financing, you will now actually receive the full €9 million - no more bad surprises. Well, with just one small caveat…
Santiago : There is still one occasional scenario that justifies a financing shortfall: when factors hold an additional reserve because they believe they haven't received the payment, even though the clients have actually paid. Why does this happen?
Sacha : Exactly. This is a common issue, especially at the start of contracts when clients must be informed of a new bank account (RIB) for payments. Some clients may still send payments to the old account, creating discrepancies that result in the factor withholding reserves—leading to under-financing.
ARI is directly connected to your accounting system, allowing it to track your clients' payments and identify any discrepancies as the contract progresses. It alerts you and provides this information so you can rectify the situation immediately—without your factor even noticing. As a result, you maximize your financing and once again save a significant amount of time by avoiding back-and-forth exchanges with your factor.
To summarize, three key points from today's presentation:
1. With ARI, you can implement your factoring programs in 15 days.
2. On average, you increase financing by 15% per transaction.
3. You reduce by a factor of 5 the time spent on daily management of your factoring programs.
Thank you all, and thank you, Santiago.
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ARi Trade for factoring: increase your factoring financing to 100%!
Factoring: how can you finance faster to finance better? This is the question that ARi Trade answers. Discover the interview with Sacha Benibri and Santiago de Kergommeaux - sales representatives of Fibus Digital - during the AFTE | Treasury Innovation Day to understand how ARi Trade transforms factoring into an even more efficient cash flow lever.
With ARI Trade, financial departments can:
▪ Reduce financing times: automated assignments in 5 minutes.
▪ Maximise their financing: detection of underfinancing to gain up to 15% more liquidity.
▪ Manage their credit insurance in an integrated manner, with an average of +12% coverage.
▪ Gain in efficiency thanks to compatibility with all ERPs, factors and insurers.
With ARI Trade, financial departments can:
▪ Reduce financing times: automated assignments in 5 minutes.
▪ Maximise their financing: detection of underfinancing to gain up to 15% more liquidity.
▪ Manage their credit insurance in an integrated manner, with an average of +12% coverage.
▪ Gain in efficiency thanks to compatibility with all ERPs, factors and insurers.
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Fibus demonstrates its ability to tackle complex challenges by:
Fibus demonstrates its ability to tackle complex challenges by:
- Setting up financing through Factoring to optimise cash flow
- Implementing Trade Insurance to securing receivables
- Ensuring ongoing optimisation via dedicated digital solutions
Contact us, so that, together, we can find the best solution for financing your accounts receivable.
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