The Cash Flow Savior for Small and Medium Enterprises? Huma's Invoice Collateral Lending Restructures Traditional Supply Chain Financial Logic

What do small and medium enterprises fear the most? Holding a pile of "accounts receivable invoices," customers haven't paid, but they still need to advance money for purchases and pay salaries. If cash flow breaks, it can lead to bankruptcy easily. Traditional supply chain finance solves this problem either with slow processes (with reviews taking weeks) or requires businesses to have collateral, which many small companies simply do not qualify for. However, Huma's invoice collateral lending directly reconstructs this logic.

As long as the business has genuine outstanding invoices, they can upload the invoice information to Huma's PayFi network, where smart contracts will first verify the authenticity of the invoices (for example, by connecting with the payer's system for verification), and then determine the credit limit based on the payer's credit status. If the payer is a large enterprise with good credit, they can get a loan of 70%-80% of the invoice amount as quickly as the same day. Moreover, businesses do not need to provide real estate or equipment as collateral; it relies entirely on the "future income behind the invoices" for support.

For example, a clothing factory has a 1 million invoice for an order, and the payer is a well-known chain brand. Through Huma, they can immediately obtain 800,000 to purchase fabric and pay workers' wages, and then repay the loan after the customer pays. This not only helps small and medium enterprises activate their "dormant accounts receivable" but is also more than 10 times faster than traditional methods. It’s no wonder that more and more small business owners are starting to use Huma.

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