Here we focus on an often overlooked but vital part of SME finance: invoice discounting, factoring, supply-chain credit, letters of credit etc.
We explore how these forms of finance often circumvent traditional lending criteria (because they lean on receivables), and how growth in trade credit ties into macro trade flows.
We cite how many SMEs rely on such products when traditional loans are too slow or too restrictive.
We also assess risk profiles: concentration risk, debtor default, seasonality, receivables ageing, and how fintech is enhancing credit risk modelling at the invoice level.
As a founder of multiple businesses, Jamie believes that mindset, discipline and ambition are key drivers for success, both for his businesses and for his clients.
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