Systems, methods, and computer program products for supply chain finance

摘要

Systems and methods for providing supply chain financing that include receiving a request to finance an asset of a borrower, where the asset is associated with goods provided by a supplier to a buyer under the control of a supply chain/logistics entity. Attributes of a trade ecosystem of the supplier and/or the buyer are evaluated to determine whether to finance the asset. Financing of the asset is then established based upon the analyzed attributes of the trade ecosystem, where the terms of the financing permit control over movement of goods before and/or after default of the terms of the financing. Information associated with movement of the goods is monitored and analyzed to determine adjustments to at least one of the financing terms based on the information associated with movement of the goods.

主权项

1. A computerized method for providing supply chain financing, comprising:
receiving a request to finance an asset of a borrower, wherein the asset is associated with inventory provided by a supplier to a buyer under the control of a supply chain/logistics entity; evaluating, by one or more computers, a plurality of attributes of a trade ecosystem associated with the supplier and the buyer, wherein the plurality of the attributes include at least one first attribute associated with a reorder rate of the inventory from the supplier by the buyer, and at least one second attribute characterizing a length of relationship between the supplier and the buyer; determining, by one or more computers, to finance the asset based at least in part on the evaluated attributes; arranging, by one or more computers, for the financing of the asset from a lender, wherein at least one term of a plurality of financing terms permits the lender control over movement of the inventory both before and after default of one of the plurality of financing terms; receiving, by one or more computers, information associated with the movement of the inventory along a supply chain; determining, by one or more computers based upon the received information, that a physical supply chain event has occurred while the inventory is in-transit along the supply chain; and automatically adjusting, by one or more computers in accordance with at least one term of the plurality of financing terms, an advance rate defined by a percentage of a valuation of a borrower's collateral for the financing from a first advance rate to a second advance rate, wherein the automatic adjustment is based upon the determination that the physical supply chain event has occurred while the inventory is in-transit along the supply chain.