Factoring at 100% of its potential.

ARI Trade brings together all factoring optimisation levers on a single platform - from invoice assignment to trade credit insurance data adjustments - across more than 20 countries.

Whatever the structure of your factoring programmes, ARI Trade enables you to work faster while maximising your financing capacity.

ARI Trade is available in both On-Premise and SaaS versions.

Logo ARI Trade

ARI Trade, the advanced management of your receivables financing

ARI Trade supports finance teams that want to go beyond simple automation.

It consolidates data, optimises financing and turns your factoring programme into a true cash performance lever.

  • Maximise your factoring financing (+15% on average)
  • Manage your programmes with a consolidated view (subsidiaries, currencies, contracts)
  • Immediately identify untapped financing opportunities
  • Integrate trade credit insurance and manage limits in real time
  • Reduce the time spent on operational management by 50% to 80%

→ ARI Trade transforms your factoring into a strategic tool for financial performance.

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With ARI Trade, manage your receivables financing without friction.

Features designed to eliminate manual processing, ensure data reliability and sustainably optimise cash performance.

Elimination of manual processes: no more wasted time, no more room for errors

  • Automated flows between your ERP, the factor and the trade credit insurer
  • Guaranteed compliance of documents with the factor’s specifications

Upstream preparation of receivables assignments: no more surprises after assignments

  • Automatic detection of potential financing rejections
  • Clear guidance on corrective actions to ensure frictionless invoice assignments
  • Multi-currency and multi-contract assignments
  • Batch assignments

Automatic detection and analysis of discrepancies: no more time wasted identifying root causes

  • Clear visibility into the causes of discrepancies
  • Precise indication of the corrective actions required
  • Discrepancy analysis tailored to the specific requirements of each factor

Immediate visibility of available financing opportunities: no more guesswork or blind spots

  • Clear identification of assigned / unassigned customers and eligible / unassigned but ineligible debtors
  • Activation of new debtors in just 3 clicks
  • Immediate visibility of guarantee limit adjustments needed to maximise financing

Consolidated dashboards to monitor performance at a glance: no more time-consuming data reconciliations

  • Visualisation of data by programme, currency, subsidiary, contract, country, and more
  • Aged balance view
  • Multi-currency contract consolidation in euros
  • Consolidation of factoring and trade credit insurance data

Trade credit insurance integration: no more parallel processes with your trade credit insurer

  • Visibility of guarantee amounts by assignor
  • Credit limit increase requests via API directly within the platform
  • Receipt of insurer responses to optimise financing

A secure and collaborative platform for Finance teams

  • Easy and intuitive collaboration between CFOs, Credit Management, Treasury and Accounting
  • 12-month history of receivables assignments
  • Secure data
Fonctionnalités ARI

Our promise: finance faster, and finance better.

By structuring data and automating factoring management,
ARI Trade enables finance teams to reduce operational workload
while maximising financing performance and security.

Icône d'un tableau de bord

Automated management and monitoring of multi-assignment and multi-currency programmes

Icône croissance trésorerie

+15% additional financing obtained on average

Icône rapidité du logiciel

80% time saved in operational management

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Compliance with factor standards across Europe

Icône de sécurité

100% secure data & Fibus Digital ISO 27001 certification

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Connectivity with all trade credit insurers for guarantee adjustments

Your factoring can finance more.

Work with us to identify the performance drivers and operational workload reductions that can be unlocked with ARI Trade.

An interconnected ecosystem serving your financing.

A highly connected platform integrating your entire European ecosystem – ERPs, factors and trade credit insurers – designed to adapt to each partner’s specific requirements while remaining simple and seamless for your teams.

Fibus Digital Ecosystem

What our clients observe with ARI Trade

100% of financing potential with ARI Trade

Ingenico Group has 1,500 customers across more than 150 countries, with revenue of €1.4bn in 2023. Its factoring programme manages €150m in outstanding receivables across 6 assigning entities worldwide, with a delegated trade credit insurance policy.

Challenges:
• Accounting reconciliation issues, with difficulties in detecting discrepancies between assignments, analysing them and applying corrections
• The 7 assignments across 6 entities are overly time-consuming

With ARI Trade:
• 4 weeks to implement the software and connect via API with the insurer
• 1 single submission for 7 assignments
• +8% of customers factored in 3 clicks
• Cash discrepancies reduced to zero
• 4 working days saved per month
• 2 days gained in financing cycles

Ingenico

Leader in integrated payment solutions

France, United Kingdom, Italy, Canada, United States, Australia

Fabricant terminaux de paiement

100% of financing potential with ARI Trade

The company has several thousand customers and generates annual revenue of £500m. Its factoring programme amounts to £50m across 12 subsidiaries, backed by a delegated trade credit insurance policy. Operating under an LBO, the company uses factoring to finance both organic growth and acquisitions.

Challenges:
• With 3 different ERPs and multiple assigning entities, the need to centralise information and gain better visibility and performance over factoring
• The CFO needed a simple and efficient way to meet factor requirements to avoid wasting time and prevent financing rejections

With ARI Trade:
• Time saving: 12 assignments processed simultaneously in just 1 hour
• Simplification: reduced from 3 ERPs to 1
• Efficiency: first assignment completed 2 weeks after contract signature

Leader in heating services and energy compliance

United Kingdom

Services d’énergie et de conformité

100% of financing potential with ARI Trade

Chimirec Group reports €286m in revenue. Its balance financing factoring programme amounts to €78m across 15 subsidiaries, including trade credit insurance coverage.

Challenges:
• Saving time on operational management
• Improving cash availability
• Standardising factoring assignment processes
• Automatically ensuring accounting data compliance with factor requirements

With ARI Trade:
• Satisfied user for 2 years
• 2 weeks to implement the software
• 2 assignments per month
• 1 day required to manage and process 15 assignments

Logo Chimirec

Leader in industrial waste recovery services

France

Valorisation de déchets industriels

100% of financing potential with ARI Trade

Ahlstrom’s assigned turnover amounts to €1.6bn. Its off-balance-sheet factoring programme manages €300m in financed outstanding receivables, covering 19 subsidiaries across 7 countries and 4 currencies (EUR, USD, SEK, GBP).

Challenges:
• Managing multiple ERPs within a single automated platform to support the gradual expansion of factoring programmes
• Increasing assignment frequency through a dedicated IT solution
• Visibility and performance: quickly identifying new eligible customers for each entity
• Standardising processes

Results:
• Management time reduced by 50% (13h vs 27h)
• Financing obtained 10 days earlier
• Financed amounts multiplied by 2.5
• 32 contracts and 70 monthly assignments managed on a single platform
• 12 working days saved per month

Logo Ahlstrom

Global leader in fibre-based materials

Europe and United States

Ahlstrom

Pricing aligned with the characteristics of your programme and your operational requirements

Our pricing adapts to your operational requirements and the specific structure of your factoring agreement.

We take the following criteria into account in particular:

  • The number of assigning entities
  • The number of debtors
  • The number of currencies
  • The number of ERPs to be connected
  • Whether or not trade credit insurance is included
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Is your receivables financing still optimal?

Our experts analyse its performance, identify improvement levers and support you in adapting it to your current needs.

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ARI Trade for factoring: unlock 100% of your financing potential!

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Sacha Benibri and Santiago de Kergommeaux, Sales Managers at Fibus Digital, presented ARi Trade during the AFTE | Treasury Innovation Day, showcasing how the solution transforms factoring into an even more powerful cash management lever.

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