Most large organisations already operate the same way: invoices are received, validated and approved through Procure-to-Pay; payment is executed later, on fixed terms, in a fixed method. GlobalFinex B2B is designed to fit that reality, not change it. It introduces controlled optionality after approval, not before. This is the canonical explanation; other pages reference it rather than restate it.
The unused part is expensive.
GlobalFinex B2B operates only on approved, ready-to-pay invoices. There is no pre-approval funding, no assumption about invoice validity and no reliance on supplier credit underwriting.
Approval is the point where everyone agrees three things. The invoice is valid. The liability is real. Governance is satisfied. From that moment, discretion already exists. GlobalFinex B2B simply makes it usable.
Approval is the point at which liability is confirmed, governance is satisfied and discretion becomes possible. From this moment onward, GlobalFinex B2B allows you to decide whether anything optional should occur, or not. If no optional action is taken, invoices are paid exactly as they are today. Nothing is disrupted.
Existing approval workflow continues unchanged. Approved invoices reach an optionality checkpoint where finance decides whether anything happens. Settlement then drives the outcome the buyer chose, not just the invoice number.
Email, EDI, portal. Existing channels, no change.
ERP / AP automation. Existing workflow, untouched.
Approved invoices flow into the GlobalFinex B2B layer. Eligibility is buyer-defined.
Selective: which suppliers, which invoices, which lever. Or none.
Executed to support the chosen outcome: cashflow, return, supplier support.
The two levers are intentionally decoupled. Method can change without changing timing. Timing can change without changing method. Both can be applied together where appropriate.
Centralised, governed settlement execution. Suppliers continue to receive funds via EFT into their nominated bank accounts. Card rails, including VCN, can be used where it suits the buyer's working capital position, and execution is automated and managed inside our environment, with GlobalFinex B2B as Merchant of Record.
Selective, invoice-level early settlement on approved invoices in exchange for a mutually agreed discount. Voluntary, non-exclusive, reversible. A cleaner alternative for suppliers already trading value externally, without forcing them into a programme.
Each lever contributes to a different outcome. Run them alone and you get one. Run them together and you get both.
Want to see where each lever fits next to other working-capital tools? Read the alternatives view →
The moment it becomes structural, it stops being useful, so GlobalFinex B2B runs in three rhythms. Steady-state, where the levers are active throughout the period and behave like a rolling facility. Month-end pulse, where they come on for the close and switch off once the position normalises. And year-end pulse, applied hard into the reporting date and then stood down. Same machine, three uses: the tool fits the use, not the other way round.
Same machine, different uses. Model both modes
Every boundary protects something. Your governance posture, your supplier relationships, your right to change your mind. They are features, not constraints.
No mandates. Supplier relationships stay yours; nothing is forced through your supply chain.
Different suppliers, different invoices, different rules. Universal application is a choice. Never a default.
Eligibility and scope can be paused, adjusted or withdrawn without unwind risk or supplier disruption.
No facility, no covenant, no underwriting. Liquidity influence without borrowing.
Operates only on approved invoices. No pre-approval funding, no assumption about invoice validity.
Buyer-defined rules. Full audit trail across eligibility, offer, settlement, remittance.
Each lens covers what changes for you, what doesn't and what to bring to your first internal conversation.
Two ways forward. Contact us and start a real conversation, with the Opportunity Brief and First Steps document arriving as part of it, or take the readiness check: five practical questions about approval speed, payment control and supplier behaviour, with collateral that follows. This page is also available as a PDF to circulate internally.
