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Retail verified Verified Outcome TRL 9

Working Capital Marketplace (Supply Chain Finance)

domain Client: A global retail giant handshake Provider: C2FO schedule Deploy: Q4 2019 (Review)
93 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

To improve supplier financial health without using its own balance sheet debt, the retailer deployed a working capital marketplace. Suppliers log in and 'bid' a discount rate to get paid early (e.g., 'I will take 99 cents on the dollar to be paid today'). The retailer uses its excess cash to fund these payments, earning a risk-free yield.

rate_review Analyst Verdict

"Democratized factoring. Instead of a bank setting the rate, the market sets it. It allows the retailer to earn a higher return on cash than a money market fund, while providing liquidity to suppliers who might not qualify for cheap bank credit."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Suppliers wanted early payment. The retailer wanted to preserve cash or earn a return. Traditional bank-led Supply Chain Finance programs were rigid and only available to the largest suppliers.

psychology The Solution

C2FO integrates with the AP ledger. It identifies approved invoices. Suppliers bid for early payment. The algo matches the retailer's desired yield with the supplier's offer. If matched, the payment file is updated for immediate release.

settings_suggest Technical & Deployment Specs

Integrations
SAP
Deployment Model
SaaS
Data Classification
Financial
Estimated TCO / ROI
Low (Performance fee)
POC Summary (2018-01-01 to 2019-01-01)

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Accounting Treatment Medium Ensuring program is not reclassified as debt by auditors.
Supplier Dependency Low Voluntary program.

trending_up Impact Trajectory

Audited value realization curve

Participation of thousands of suppliers Verified Outcome
Primary KPIGeneration of significant EBITDA via discounts
Audit CycleImprovement in supplier NPS

policy Compliance & Gov

  • Standards: FASB / IFRS
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for A global retail giant without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-939
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-939

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