Your invoices are approved earlier and more reliably than ever. Yet payment timing and method stay fixed, decided long before approval and rarely revisited. GlobalFinex B2B turns approved invoices into a controlled financial decision point so you decide how and when cash leaves the business, selectively and reversibly, without forcing supplier behaviour.
Whether you're managing the balance sheet or the P&L, the post-approval moment is the same lever, pulled differently. Pick the outcome that fits your finance objective today.
Use the post-approval moment to influence when cash leaves the business: selectively, by supplier segment, without locking into a permanent programme. Cashflow as a finance-led decision, not a calendar event.
See the working capital view → Outcome 2 · P&LUse selective early settlement at an agreed discount to capture margin from approved spend, giving a measurable, voluntary, supplier-led return. P&L impact without a programme commitment.
See the EBITDA view →Prefer a role-based view? Read for CFOs, Financial Controllers, Treasury, Heads of AP or Procurement.
GlobalFinex B2B operates only on approved, ready-to-pay invoices. From that moment, you decide whether anything optional happens, or not. Two independent levers, applied separately or together. See the full mechanics →
Centralised, governed settlement execution on approved invoices. Suppliers continue to receive funds via EFT into their nominated bank accounts, with no card handling required. Card rails, including VCN, run inside our managed environment, with GlobalFinex B2B as Merchant of Record.
Selective, invoice-level early settlement on approved invoices in exchange for a mutually agreed discount. Voluntary for suppliers. Buyer-controlled, switched on for month-end and off again afterwards. No programme commitment.
Most working-capital tools demand commitment: facilities, programmes, term changes. Few of them flex with your rhythm. GlobalFinex B2B does: run the levers as a rolling facility, or pulse them at month-end and year-end and turn them off once the position normalises. The tool fits the use, not the other way round.
The boundaries of the platform are deliberate. They protect your governance posture, your supplier relationships and your right to change your mind.
No mandates, no forced onboarding. Each supplier decides whether each option is useful to them.
Buyer-defined eligibility. By supplier segment, by invoice, by entity, by currency.
No structural commitment. Strategies can be changed as conditions change, without supplier disruption.
No pre-approval funding, no supplier credit underwriting, no assumption about invoice validity.
No facility, no covenant. Liquidity influence without borrowing or balance-sheet impact.
Full auditability across eligibility, offer, acceptance, settlement and remittance.
Visy retained the funding model it wanted, while removing the supplier-side and operational constraints that had previously limited it. Suppliers receive straightforward EFT settlement. Visy retains card-rail funding when it suits the working capital position. Selective application across a diverse supplier base of 120+ sites in ANZ and multi-currency operations, without imposing a single approach.
Read the Visy case study →There's now a genuine decision point between invoice approval and payment that we actually use. That flexibility has been more useful than I expected, particularly when conditions change quickly and you want options that don't require renegotiating terms.
The most useful version of this site for you depends on your role. Each lens covers what changes for you, what doesn't and what to bring to your first internal conversation.
Across treasury and CFO conversations, a consistent theme has emerged: volatility is no longer episodic. Liquidity and working capital are moving from operational disciplines to strategic levers. Payment execution is being re-rated.
This paper does not assume anything is broken. It explores an opportunity that sits quietly inside a reality most finance leaders already recognise, and asks one question:
No form, no gate. If it earns the read, it earns the read.
GlobalFinex B2B is built and operated by B2BE, with more than 27 years supporting organisations where transactions sit at the centre of customer experience, supplier relationships and cash flow. Read about the Group →
Most organisations have more post-approval discretion than they currently exercise, and two inputs and five minutes will tell you whether yours does. No detail captured unless you want a copy, and no call unless you want one.
