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

Interview Transcript

Sacha Benibri: Hello everyone. Today, we are pleased to speak with Santiago about a truly game-changing solution designed for finance departments and treasurers. ARi Trade is a software platform specifically developed to implement and optimise factoring programmes. The key innovation – and the central theme of this discussion – lies in our ability to address every operational challenge related to factoring through a single integrated platform.

Three key takeaways from today’s discussion:

1. ARi Trade enables companies to implement factoring programmes in just 15 days.
2. Clients increase their funding levels by an average of 15% on each assignment.
3. Finance teams divide by five the time spent managing their factoring programmes on a daily basis.

Santiago de Kergommeaux: ARi Trade was born from a simple observation: factoring is a highly effective financing and growth lever for companies. However, it is also a complex solution that requires both operational expertise and strong IT capabilities. The first challenge companies face is implementation.

Sacha: Indeed, finance departments and treasurers often tell us about the operational burden associated with factoring: a long, time-consuming process requiring significant internal resources. Between creating files that comply with highly specific factor requirements, potentially reorganising ERP structures, and managing repeated testing phases with factors, implementation can quickly become a real headache.

ARi Trade eliminates these challenges. Our experts, backed by more than 20 years of experience and supporting over 800 clients, understand every type of programme and corporate structure, from SMEs to large international groups. They work alongside clients to structure and deploy factoring programmes in less than 15 days.

Santiago: Beyond implementation, we also realised that managing an existing factoring programme – and understanding the factors’ funding mechanisms – could be equally complex for treasurers and finance directors.

Let’s take a practical example: you assign €10 million of receivables. With a contractual reserve of 10%, you expect €9 million in funding. Yet when the payment arrives, you receive only €8 million. Why the discrepancy?

Sacha: This is a recurring issue. One common reason is poor-quality buyer master data: missing registration numbers, incomplete addresses, and similar gaps. To solve this, ARi includes an AI-powered module that pre-validates your buyer database and automatically flags missing information. This helps avoid errors, optimise funding levels, and save valuable time by reducing unnecessary exchanges with the factor.

Santiago: Another major issue linked to factoring is credit insurance. To maximise funding, companies ideally need insurance coverage equal to the total amount assigned. Yet even in 2025, many insurers and factors still lack efficient systems capable of ensuring smooth data transfers.

Sacha: This is precisely where we have focused our R&D efforts over the past few years. ARi Trade connects directly to credit insurers through API integrations, enabling clients to monitor coverage levels in real time and submit new requests in just a few clicks. Combined with buyer database pre-validation, this innovation enables our clients to increase their funding by an average of 15% on every assignment. To go back to your example, Santiago, instead of expecting €9 million and receiving only €8 million, clients actually receive the full €9 million without unpleasant surprises.

Santiago: One final point can also explain funding shortfalls: some factors apply additional reserves when they believe customer payments have not yet been received, even though the payments have actually been made.

Sacha: This happens frequently, especially at the start of a programme when customers are adjusting to new bank account details. Payments may be delayed or misallocated, resulting in additional reserves and underfunding. ARi is directly connected to your accounting systems and monitors customer payments in real time. The platform immediately alerts teams whenever a discrepancy is detected, allowing corrections to be made before the factor even identifies the issue. The result is maximised funding capacity and significant time savings.

To conclude, three key points to remember:

1. ARi Trade enables companies to implement factoring programmes in just 15 days.
2. It increases funding levels by an average of 15% on each assignment.
3. It divides by five the time spent managing factoring programmes on a daily basis.

Thank you all – and thank you, Santiago, for this insightful discussion.