Trefi  Finance  –  Finance  through  Technology    13  February  2015    Florus  van  Herpt  –  Owner  and  Fund  Manager  

Suppliers  

Friends  and  Family  

Clients  

The  TREFI  Vision:  Who  knows  the  SME  best?    

 •  Invoicing  •  CollecCon  •  Credit  Info  •  Risk  Management  

•  Payables  •  DispuCng  •  Financing      

BeKer  control  by  SMEs  through  

tools:  

   Reliable  data,  both  historic  and  real  Cme  measured  

B  

 BeKer  risk  

measurement  methods  

C  

Low  risk  related  costs:            Reliable  operaConal  risk  management  system  

Basel-­‐III  compliant  -­‐  ISO27001  E  

Low  opera>ng  costs    Strong  process  design,  highly  automated  

F  

A    

State  of  the  art  risk  

assessment  and  control  

D  

3  

The  TREFI  PlaAorm  in  7  stages:  How  to  realise  low  Cost  AND  low  Risk?  

•  Real-­‐Time  Risk  Management  

•  Treasury/ALM  •  BBB  à  AAA  rated  funding  instruments  

•  Real-­‐Cme  investor  reporCng  

BeKer  control  and  transparency  for  capital  markets  

G  

Pricing:  lower  than  factoring  and  ul>mately  lower  than  Bank  RCF  TREFI  will  become  Market  Leader  in  SME  Working  Capital  

Network    Effect  -­‐  Scaling  

Conclusion •  Not factoring – alternative for Bank revolving credit facility up to €1mln. •  Using Trefi Tools gives better control to SME reducing its internal risk profile •  Global: Processed and rated over $60,000,000,000 in invoices •  NL: Started operations 2014. Over €6,000,000 invoices financed to date with 20 SME •  As from 2015, available for all Dutch SME in the B-2-B segment, unlimited scalable!

THANK YOU