Business models and solution architectures for SMB financing in a supply chain ecosystem

Abstract

In this paper, characteristics of financing requests from SMB supply chain trading partners is investigated, and new financing models are proposed: transaction based credit financing is developed for SMB suppliers to raise financing requests using transaction related documents, risk is mitigated by the credit line transferred from downstream core manufacturer; Mortgage based warehouse financing is explored for SMB dealer and distributor to raise financing requests using stock deposit at the warehouse. In this way risk is reduced by the control of stock. Business integration and risk control related techniques are essential for the proposed business models. Key technologies and architecture that support the proposed financing models are discussed