Medical · gloves · DE buyer
OT 98%QC 99%
YTD via marketplace
$15.4M · 38% of book
NETWORK · FINANCIER PORTAL
Your financing partners underwrite on live cargo data. Not a PDF deck.
Your financing partner — bank, factor, alt lender, SCF fund — underwrites on what you send in a deck. The deck is a snapshot. Their decision is conservative because everything they can't verify becomes spread. You pay that gap, every quarter, on every line.
The Financier Portal gives them a portfolio workspace across all the operators they fund — marketplace deal flow, live shipment data, document chain, counterparty payment history, portfolio concentration. They see the cargo, not the slide. Faster decisions, tighter spreads, fewer back-and-forth weeks. Free for operators. Free for operator-invited financiers. Self-signup financiers pay the same regular subscription as operators, scaled by order volume.
Portal kind
4th network portal · the deepest of the four
Operator-invited financier
Free, always · no subscription, no fee
Self-signup financier
Same subscription as operators · scaled by order volume
Money flow
Bilateral · EDMA never holds the cash · no custody
The Financier Portal — ACME Financials portfolio workspace
ACME Financials— Financier workspace · powered by EDMA
⌕Search borrower, deal, lane…Sarah MendesSenior Underwriter · London
Financier · Portfolio tierACME Financials
Capital out$8.4M+$680K · 30d
Avg APR equivalent6.83%+0.4pp · YoY
Settlement rate95.5%21 of 22 clean · 1 late, recourse engaged
YTD net profit$87.1K+$210 · over projection
Buyer-country exposurewhere the receivables come from
Top 6 of 9 buyer countrieslimit · — — —
EU (multi)$2.8M
Germany$2.1M
UK$1.6M
USA$1.3M ▲
France$1.1M
Spain$0.9M
Netherlands$0.8M
USA · 110% of policy limit. $0.13M over $1.17M soft cap. Tighten new originations · re-price or hold next 60d.
By sector · tenor9 sectors · 7 tenor bands
Sector
Tenor
LegendMedical 50% · Food 23% · Industrial 13% · Textile 8% · Other 6% ⋅ 30d · 60d · 90d · 120d+
Marketplace · deal flow6 new · 12 watching
Food · canned · UK buyer
OT 94%QC 89%
Medical · diagnostic kits · DE buyer
OT 96%Pay 100%
Food · packaged · ES buyer
OT 100%QC 97%
Medical · PPE · disclosed · Brevin Health EU
OT 96%QC 99%
Textile · garments · BE buyer
OT 99%Pay 99%
In active underwriting · LST-2026-089Medical PPE importer · Brevin Health EU
Two-step disclosure. Listings show industry, geography, value range & performance signals only. Operator/supplier identity reveals after financier signals interest & operator approves.
Portfolio composition · last 90d$5.7M deployed · 22 active deals14 marketplace-matched · 8 externally-sourced · weighted avg 1.62% fee on receivable
Externally-sourced$1.4M
Next repaymentSep 01
1PORTFOLIO-NATIVE
Structurally richer than the other three portals.
Financiers manage portfolios across many operators — not single relationships. Cross-operator exposure, concentration alerts, repayment forecast are first-class. The other portals see one operator; this one sees nine.
2TWO-STEP DISCLOSURE
Operator identity protected by default.
The active deal in the inbox shows industry, geography, value range & performance signals — no names. Identity reveals only after financier signals interest and operator approves. Underwriting begins on that disclosure.
3BILATERAL MONEY FLOW · NO CUSTODY
EDMA never touches the money. No per-deal fee.
Money moves bilaterally outside EDMA — financier pays supplier direct, client pays financier direct. The platform coordinates the operational record; cash moves bank-to-bank. EDMA never holds the money. No custody, no per-deal accrual, no monthly bill. The platform earns from subscriptions only.
DEMO · HERON CAPITAL · 22 DEALS · $8.4M DEPLOYED · 9 OPERATORS·SPEC LOCKED · 13 SCREENS DESIGNED · BUILD Q3 2026·POWERED BY EDMA — FOOTER ONLY
Your financier sees the live cargo, the document chain, and the counterparty history — across every operator they fund. Not a slide.
THREE FINANCIER-SIDE SURFACES · BEYOND THE PORTFOLIO
The same workspace, three different jobs. Browse. Underwrite. Submit.
The Portfolio dashboard above is one of six tabs in the financier portal. Below: the three surfaces that move a deal from candidate to booked — the marketplace browse view, the anonymous listing detail, and the offer composer. Same operational record, three different permission boundaries.
SURFACE 01 · MARKETPLACE — BROWSE
47 anonymous listings, ranked by your fit score. Industry, route, value, tenor, structure.
The Marketplace tab. Every operator-published listing your firm hasn't already passed on, ranked by the platform's fit score against your concentration policy, ticket band, and sector preferences. Operator identity is hidden until you signal interest and they approve.
Marketplace / Available listings
Available listings 47 open · 12 new today
Filtered to Medical + EU import · 8 high-fit · 3 expiring < 48h · last refresh 8s
Grid viewSave current view
All 47New today 12High fit 8Medical 18Food & beverage 14EU import 22Pending offers 6
ListingIndustry · RouteReceivableTenorStructureFit
LIST-2026-024Medical gloves · DE buyer
Examination · nitrile · 90d · CIF Hamburg$0.85M90dPure factoring92%Request disclosure
Examination · nitrile · 90d · CIF Hamburg$0.85M90dPure factoring92%Request disclosure
UWLIST-2026-089Medical PPE · Brevin Health EU · Norwell Medical UK
Disclosed · 90d · CIF Felixstowe · documents on file$0.54M90dPure factoring96%Submit offer →
Disclosed · 90d · CIF Felixstowe · documents on file$0.54M90dPure factoring96%Submit offer →
LIST-2026-088Medical diagnostic kits · DE buyer
$800K–1.2M · 60d · CIF Hamburg · operator advance$1.10M60dWith advance86%Request disclosure
$800K–1.2M · 60d · CIF Hamburg · operator advance$1.10M60dWith advance86%Request disclosure
LIST-2026-091Food · canned · UK buyer
$200K–300K · 60d · CIF Felixstowe$0.42M60dPure factoring88%Request disclosure
$200K–300K · 60d · CIF Felixstowe$0.42M60dPure factoring88%Request disclosure
LIST-2026-077Food · packaged · ES buyer
$300K–500K · 45d · CIF Bilbao$0.39M45dPure factoring74%Request disclosure
$300K–500K · 45d · CIF Bilbao$0.39M45dPure factoring74%Request disclosure
Showing 5 of 47 · sorted by Fit (high → low)‹1234›
SURFACE 02 · LISTING DETAIL — PRE-DISCLOSURE
Identity is hidden. Cargo profile, financing ask, and operational signals are not.
Clicking into a listing before the operator approves disclosure. Industry, route, performance signals, and a fit-score breakdown are visible. Operator name, end-buyer name, supplier name, and factory location are blurred until both sides agree.
Marketplace / Available listings / LIST-2026-024
LIST-2026-024 Anonymous
Listed 1d 7h ago · 24 financiers watching · 0 signals of interest yet
Add to watchlistSignal interest →
Cargo profile
IndustryMedical · disposables
ProductExamination gloves · nitrile
RouteSE Asia → EU · Hamburg CIF
Volume200K–300K units
Financing ask
Receivable$400K–600K · target $540K
Tenor90 days · net 30 from delivery
StructurePure factoring · 30d recourse grace
CurrencyUSD · single
Operator performance · anonymized · on TradeOS 24m
On-time delivery98%
QC pass99%
Receivable settlement97% clean
Claim incidence0.8%
SURFACE 03 · OFFER — CREATE
Edit fee, recourse, advance. Economics recompute live.
After disclosure, the financier composes a binding offer. Three editable inputs on the left, six computed economics on the right — everything updates instantly. Submit to enter the competitive set; operator picks the winner from a side-by-side comparison.
Marketplace / LIST-2026-089 / Compose offer
Compose your offer Disclosed
Brevin Health EU → Norwell Medical UK · $540,000 · 90 days · 2 other firms drafting
Save draftSubmit offer →
Editable terms
Pure factoringWith advanceWith reserve
Recourse · 30d graceLimited recourseNon-recourse
95% of receivable
disabled — operator opted out of advance on this listing
2 other firms drafting · competitive set visible · operator sees ranked comparison
Browse · underwrite · submit — three surfaces, one workspace. The Portfolio dashboard above sits on top of this same data. When you submit an offer here, it becomes a row on your Portfolio when the operator accepts. Same record, different views, enforced at listing.status and offer.state.
FROM THE OPERATOR'S DESK
What your financier sees today, and what it costs you in bps.
Your financing partner — bank, factor, alt lender, SCF fund — wants to underwrite on the data behind the deck. They don't get it. They underwrite the deck, price the spread to cover everything they can't verify, and you pay for the gap. Every quarter, at every renewal, for every new line.
PROBLEM 01
Your financier underwrites on a 4-page deck, then asks for the real data.
You send the operational summary. They want shipment history. You export from EDMA. They want document chain. You export again. They want counterparty payment record. You export again. Three days later, the deal has moved.
PROBLEM 02
Your financier sees stale data, prices spreads conservatively.
Live operational data → better risk pricing. Stale PDF data → risk premiums you pay for. Without visibility into QC trends, on-time history, supplier reliability, your financier defaults to the worst-case. You give up 50–80 bps to financiers who never saw the live cargo.
PROBLEM 03
Your treasury team manages 5 financiers manually.
Different banks, different factors, different SCF funds. Each asks for different data in a different format. Each reconciles repayments separately. Each runs its own renewal cycle. Your finance team spends a day a week on partner ops that should be one query.
WHAT FINANCIERS DO IN THE PORTAL
Five workflows. All anchored to the live operational record, not a PDF deck.
Built for the financier's portfolio team — credit officers, underwriters, treasury operations — across every operator they fund. Each workflow runs on the same operational record that powers the operator's main portal. Identity is protected by the two-step disclosure protocol until both sides agree to reveal.
STREAM A · BROWSE
Browse marketplace · two-step disclosure
Anonymous summary listings show industry, geography, value range, tenor, performance signals (operator on-time, QC pass rate, payment consistency). Filter by sector, country, tenor band, signal threshold. Watchlist + saved searches. Request disclosure; operator approves; full identity + operational data revealed.
Live listings47 · 6 new today
Filter axessector · ctry · tenor
Disclosure2-step · consensual
Median to reveal22 min
Watchlist12 active
STREAM B · UNDERWRITE
Underwrite + offer on the receivable
4-step offer form with live deal economics rail: fee % of receivable face → gross fee → net profit → APR equivalent. Compete with other financiers; operator picks. Once accepted, agreement enters pending_legal; both sides sign; disbursement gate opens.
Offer basis% of receivable face
Recourse30d grace · default
Compareoperator side
Median to offer4h 12m
Win rate38%
STREAM C · MONITOR
Monitor active deals · 6 risk signals
Live monitoring on every active deal — buyer credit · assignment status · insurance binder · document completeness · production & shipment · client claims. Real-time updates from operator + supplier + logistics flow into the same view. Action items surface only when something requires the financier's attention.
Signals tracked6 per deal
Update cadencereal-time
Open claims1 · AGR-2026-018
Settlement waterfallprojected → actual
Settlement rate95.5% YTD
STREAM C · SETTLE
Settle + remit · Settlement Waterfall
At payback, the auto-computed Settlement Waterfall orchestrates 4 steps: buyer pays receivable → financier recovers disbursement → financier keeps fee → operator residual remits to operator at T+2. Vs-projected variance tracked at close. No platform fee — EDMA never touches the money. Externally-sourced deals follow the same waterfall.
Steps per waterfall5 + final
Recourse30d grace · auto
Residual remitT+2 from buyer pay
Closing statementPDF · downloadable
Variance YTD+$210 vs projected
STREAM D · EXTERNAL
Externally-sourced + promote
4-step wizard captures deals the financier brought from off-platform — bank lines, factor relationships, SCF programs — tracked first-class with full ops tooling. No marketplace fee. Optionally promote the operator to the marketplace to bring them onto the broader network; retain preferred-financier status on their next 3 listings.
Wizard steps4 · save draft
Marketplace fee$0 · waived
Promotion2-sided · operator opts in
Preferred window3 listings · 24h each
ACME YTD$1.4M tracked
PER-DEAL EXECUTION · MONITORING + SETTLEMENT
Two surfaces per deal: live risk signals and an auto-computed settlement waterfall.
Every active financing in the ACME portfolio runs on the same execution surface. On the left, six signals the platform monitors continuously against your receivable. On the right, the waterfall that computes — and remits — settlement when the buyer pays. Both are live; both update with the operator's record; neither lives in a spreadsheet.
RISK PANEL · AGR-2026-018 · BREVIN HEALTH EU
6 signals against your $560,000 receivable
Ordered by impact · refreshed on every operator-side event
Buyer credit
Norwell Medical UK · S&P A-rated · 142 supplier relationships · 0 default events 2020–present
Assignment status
NoA acknowledged Aug 03 · vendor master file updated · payment redirected to ACME Financials
Insurance binder
Lloyd's cargo · 110% invoice value · valid through Sep 30 · ACME named loss payee
Document completeness
5 of 8 ready · BoL + QC report + Phytosanitary pending production milestones · gates buyer payment release
Production & shipment
78% complete · MSC Atlantico departed Klang Aug 18 · ETA Hamburg Aug 21 · on schedule
Client claim
CLM-2026-014 lot 2 · $12K affected · credit-on-replacement proposed · receivable should be whole
SETTLEMENT WATERFALL · PROJECTED SEP 20
Cash flow at settlement · computed from contract
No spreadsheet. Projected updates to actual when buyer pays.
- 1
Norwell Medical UK pays you
Net 30 from delivery · via assigned receivable
+$560,000
- 2
You recover your disbursement
Deployed Aug 02 · principal returning
($448,000)
- 3
Your fee · 1.5% of receivable
Deducted before remitting to operator
−$8,400
- 4
Remit to Brevin Health EU
Operator residual · T+2 from buyer payment · auto-wired
−$102,480
- =
Your net profit
6.85% APR equivalent over 49 days · no platform fee · bilateral cash flow
$8,400
PRICING · TWO PATHS, ONE PLATFORM
Operator-invited financiers don't pay anything. Self-signup financiers pay the same subscription as operators — scaled by order volume.
No separate financier pricing. The Financier Portal is one of EDMA's network portals — same operating record, same subscription tiers as operators. Path A is for the financiers your operators already work with: an operator brings them in, they fund those deals, free always. Path B is for financiers signing up independently to run their own portfolio — they use the regular operator subscription tiers, scaled by the number of deals they manage on the platform.
PATH A · OPERATOR-INVITED
Free, always.
An operator invites you in to fund their deals. You see their workspace, you fund what they list. No subscription, no fee, no tier required. Same operational record as the operator's team.
- ✓Free seat tied to inviting operator
- ✓Fund the operator's deals only
- ✓Same live operational record
- ✓No subscription, no per-deal fee
PATH B · SELF-SIGNUP
Same subscription as operators.
You sign up independently to manage your own portfolio — marketplace deal flow + externally-sourced deals from bank lines, factors, SCF programs. Pricing scales by the number of orders you manage, same as operators.
- ✓Browse the marketplace across all operators
- ✓Make offers, compete on rate
- ✓Track externally-sourced deals as first-class
- ✓Same operator subscription · by order volume
IDENTITY PROTECTION
Listings anonymous. Identity reveals after mutual interest.
Operators are not required to broadcast their financing needs to the entire universe of financiers. The default is anonymous. Identity discloses only when both sides have signalled interest — financier first, operator confirms. This is the protocol, not a setting buried three menus deep.
Operators who prefer a public-by-default listing — to attract bids quickly on a known-good track record — can choose to publicly disclose at listing time. The default, every time, is anonymous.
Step 1 — Anonymous listingOperator posts to marketplace · summary only.
Industry, geography, value range, tenor, performance signals — on-time history, QC pass rate, payment consistency. No operator name. No supplier name. No client name. Financiers see the cargo profile and the credit-relevant signals; nothing that identifies the trade.
IndustryMedical PPE importer
RouteSE Asia → EU · CIF
Value range$700K – $900K
Tenor60 days
On-time history96% · 24 mo
Operator identityhidden · pending interest
Financier signals interest →
Step 2 — Disclosure on interestOperator reviews financier · approves disclosure.
Financier signals interest with one click. Operator reviews the financier's profile — regulatory status, financing capacity, references, prior performance. Operator approves disclosure. Full identities reveal to both sides. Underwriting begins on the real operational record.
FinancierACME Financials
RegulatedUK FCA · licence #FRN-947213
Capacity$8.4M deployed · $6M dry
References9 operators · 22 deals
Operator decisionapprove disclosure · 16:42 UTC
EXTERNALLY-SOURCED · v1 FIRST-CLASS
Most of a financier's portfolio is not from EDMA. The portal tracks all of it.
Financiers don't only get deals from EDMA's marketplace. Most have existing portfolios — bank lines, factor relationships, SCF funds — already in motion before they ever heard of us. The Financier Portal tracks these externally-sourced deals as first-class records, with full operational tooling.
Orders, documents, tasks, repayment tracking — same surface as marketplace deals. No platform fee on externally-sourced, because EDMA didn't source the match. The financier pays subscription for the tooling, and runs their whole book in one place instead of three spreadsheets and a Slack channel.
The single operating record. This is what makes EDMA the operating record for the financier's entire portfolio — not just the deals we originated. The marketplace is the front door; the portal is the workspace.
BorrowerPrincipalSourceEDMA fee
Brevin Health EU$1.20MMarketplaceNo fee
Pendrew Energy LLC$2.40MBank line · CIB$0 · external
Northwind Trading$0.78MFactor · Velbridge Factor$0 · external
Norfield Foods EU$0.65MMarketplaceNo fee
Cordoba Trading Co.$0.68MACME-Cordoba · 4yr direct$0 · external
YTD externally-sourced
$33.2M · 62% of book
OPTIONAL · TWO-SIDED
Bring an externally-sourced operator onto the marketplace.
Worked with the same operator off-platform for years? Promote them to the marketplace and they gain access to ~140 verified financiers for their future deals, while you retain preferred-financier status on their next 3 listings — a 24h first-look window before competitors can offer. Operator must accept; current deal stays unchanged either way.
1You initiate
2Operator receives invitation
3Operator accepts & completes KYB
4Operator profile goes live · your preferred window active
HOW THE PORTAL WORKS WITH THE AI STACK
Three native AI surfaces, scoped to your portfolio.
The same AI stack that powers the operator product — predictive forecasts, accounting automation, the Atlas conversational layer — works inside the Financier Portal, scoped to the financier's own portfolio. No model is trained across financiers; every query is filtered to the requesting account before it leaves the service.
▲PREDICTIVE AI · UNDERWRITING
Cargo arrival forecasts & default probability from operational signals.
QC trends, payment patterns, supplier reliability, port-congestion deltas — fed into a default-probability model and a cargo-arrival forecast. Real signals from the operator's live record, not a self-reported deck.
// AGR-2026-019 · Medical gloves importer · 60d Cargo arrival Jul 18 · σ 1.4d QC pass · 90d 98.7% (vs sector 94.1%) On-time pay 96.4% over 24mo Default p · 60d 0.41% (low)
≡ACCOUNTING AI · RECONCILIATION
Auto-matches repayment events against financed deals.
Every repayment — bank wire, ACH, escrow release — is matched against the financed deal it relates to. The accrual ledger runs itself; treasury reviews exceptions, not every row.
// JUN · 47 active · 31 repay events Matched · auto 30 of 31 (96.8%) Exception · 1 AGR-2026-016 · short $4.2K Variance vs proj +$1,840 · -2 days avg
◆ATLAS · PORTFOLIO QUERIES
"Which financings risk breaching covenant this week?"
Conversational queries answered from your live portfolio data. No model trained across financiers; the query is scoped to your account before it leaves the service. Answers cite the underlying rows.
› Atlas · which deals are at QC-trip risk this week? 2 deals match · QC ↓ >5pp · 7d AGR-2026-016 · Northwind Trading (89% · ↓6pp) AGR-2026-009 · Brookline Foods (91% · ↓5pp) Open both →
COMPARE
Five places trade financing already gets coordinated. None of them is built around the operator's live record.
PrimeRevenue and Taulia win on supplier early-pay programs but live downstream of an ERP, not the cargo. Bank credit-memo systems win on regulatory rigor, lose on operator-context. Spreadsheet + email is what most of the market still actually runs on. EDMA's Financier Portal isn't trying to beat any of them on their own ground — it's a portfolio workspace tied to live operational data, with two-step disclosure and externally-sourced as first-class.
| Capability | EDMA Financier Portal | PrimeRevenue | Taulia | Bank credit-memo systems | Spreadsheet + email |
|---|---|---|---|---|---|
| Live operational data · not PDF decks | ✓ shipments · docs · QC | — ERP-tied | — ERP-tied | — deck-based | — PDFs |
| Marketplace + externally-sourced | ✓ both · first-class | SCF networks only | early-pay only | — internal book only | — N/A |
| Two-step disclosure · operator identity protected | ✓ default anonymous | — buyer-led | — buyer-led | — N/A | — manual NDAs |
| Cross-operator portfolio view | ✓ across 9+ operators | per-buyer program | per-buyer program | ✓ internal | — per-spreadsheet |
| Concentration risk · live (not quarter-end report) | ✓ stream · alert on trip | batch | batch | quarterly RWA | — never |
| Repayment forecast · live | ✓ 90-day · cargo-tied | program-level | program-level | quarterly | — manual |
| Sanctions / KYC screened on every deal | ✓ on listing + reveal | ✓ | ✓ | ✓ rigorous | — ad-hoc |
| No platform fee on externally-sourced | ✓ subscription only | — program fee | — program fee | — N/A | ✓ email is free |
PrimeRevenue and Taulia are buyer-led SCF networks; they live downstream of a corporate ERP, not a live cargo record. Bank credit-memo systems have the rigor but none of the operator-context. Spreadsheet + email is the actual incumbent for most of the alt-lender market. The Financier Portal does something none of these does: it treats the operator's live operational record as the underwriting surface, gives the financier a portfolio workspace across every operator they fund, and charges nothing for the externally-sourced deals it didn't originate.
FAQ
Five questions every operator asks before inviting their financier.
Honest answers to the questions that come up on every demo call. The shortest one: EDMA never holds money — financiers pay suppliers direct, clients pay financiers direct, and EDMA earns from subscriptions only. That single fact reframes most of the rest.
Architecture is locked — 45-page spec + 13 screens designed, build target Q3 2026. Operators can sign up as "financing-available" now to be matched at launch; financiers can join the Browser tier free to start building a watchlist. The page you're reading shows the locked product — the same ACME Financials workspace, marketplace flow, Settlement Waterfall, and externally-sourced wizard you'll see at launch.
Stop selling your financier a deck. Show them the cargo.
Book a 30-minute demo. We'll spin up a sandboxed Financier Portal with one of your prospective financiers' brand, your real portfolio profile, and a fictional deal moving through anonymous listing → interest → disclosure → underwriting. You watch the spread drop as the financier sees the real data, in real time.