NETWORK · HOW FINANCING WORKS
EDMA's marketplace replaces the multi-week bank pitch with an open process: list your deal anonymously with the operational data you already have, vetted financiers bid the spread, you pick the offer that fits, funds flow bilaterally against the cargo. No deck preparation, no relationship management overhead, no opaque rate-setting. The platform is in build for Q3 2026 — the model below is what's locked.
Process
5 stages · list → bid → pick → fund → repay
Money flow
Bilateral · EDMA never holds the cash
Operator cost
$0 · always
Build status
Q3 2026 · operator + financier views designed
THE FIVE STEPS
One minute to list. One hour to surface to financiers. 4–6 business days to fund. Every stage runs against your live operational record — not a deck — and every interaction is logged in the order's audit chain.
Inside any order, click "Request financing". Operational data, document chain and counterparty history attach automatically — nothing to copy-paste, nothing to export to a deck.
Industry, geography, value range, tenor, performance signals — no names. Operator, supplier and client identities stay hidden. The cargo profile is what financiers see.
Financiers click "Interested". You see their regulatory standing, capacity, references and prior performance — before you reveal anything about your deal. Multiple financiers can signal in parallel.
Identity reveals only to financiers you approve. They underwrite on the full operational record — shipment data, document chain, counterparty history — and submit firm offers with spread, term and conditions.
See competing offers laid out — rate, term, conditions, covenants. Pick the one that fits. Funds flow per the agreement (LC, invoice assignment, escrow). The financing rides on the same order record; your ops team keeps working the deal.
From "Request financing" click to funds against cargo — typical median 4 days 14 hours. Some deals close in 2 days; complex cross-border KYC reviews can take longer.
No deckNo chaseNo 50–80 bps stale-data premium
AFTER FUNDING · THE FACTORING LIFECYCLE
Most marketplace financings are notification factoring with formal receivables assignment. Your client gets a Notice of Assignment, acknowledges it, and pays the financier directly when the invoice comes due. You stay in the operational lead — production, shipping, claims — while the financier monitors and the platform computes settlement automatically.
Within 24h of agreement signing, the platform sends a Notice of Assignment to your client (the buyer) — using counsel-reviewed templates per their jurisdiction. The NoA formally redirects payment of this invoice to the financier when it comes due. Your buyer acknowledges (typical: 1–3 business days · 23/23 acks on the Brevin → Norwell Medical lane).
Once the buyer acknowledges, the disbursement gate opens and funds clear to your supplier (or to you if there's an operator advance). Production runs the way it always has. The financier sees six live risk signals per deal: buyer credit, assignment status, insurance binder, document completeness, production & shipment progress, and any client claims. You don't have to send updates; the platform pushes them.
Per the NoA, your client pays the financier directly. The platform reconciles the payment, computes the Settlement Waterfall, and triggers the auto-remit of your operator residual. Typical timeline from delivery: Net 30 in EU consumer, Net 60–90 in industrial. Late payment triggers the recourse window (default: 30-day grace).
SETTLEMENT WATERFALL · ANCHORED ON AGR-2026-018
A concrete walk-through. Brevin Health EU (operator) financed a $448K supplier wire to Crescent Manufacturing in Klang against an $560K receivable from Norwell Medical UK. ACME Financials funded. Settlement at Net 30 from Aug 21 delivery acceptance.
Norwell Medical UK pays ACME Financials
Net 30 from Aug 21 delivery acceptance · ~Sep 20 · via assigned receivable
+$560,000
ACME recovers their disbursement
Deployed Aug 02 to Crescent · principal returns to financier
($448,000)
Financier fee · 1.5% of receivable
ACME's pre-agreed factoring spread · deducted before remitting to Brevin
−$8,400
ACME auto-remits to Brevin Health EU
Operator residual · $560K − $448K − $8,400 · T+2 business days · ~Sep 24
$103,600
ACME's net profit kept · Brevin's residual received
Financier: $8,400 over 49 days = 6.85% APR equivalent · Operator: $103,600 against $448K original supplier cost
$8,400/ $103,600
PRIVACY BY DEFAULT
Operators are not asked to broadcast their financing needs to every financier on the planet. The default is anonymous. Identity reveals only when both sides have signalled — financier first, operator confirms. This is the protocol, not a setting buried three menus deep.
1State · Anonymous · visible to all eligible financiers
Cargo profile and credit-relevant signals. Nothing that identifies the trade, the operator, or the counterparties on either end.
Visible · profile + signals only.
Not visible · operator, supplier & client names · PO number · document chain · full operational history.
2State · Full reveal · to approved financiers only
Full identities and the live operational record. Underwriting begins on real data — shipment history, document chain, counterparty performance — not a 4-page deck.
Visible · full identities, live document chain & complete operational history.
Underwriting begins. Financier issues firm offer on real data within 1–2 days.
Operators who prefer a public-by-default listing — to attract bids quickly on a known-good track record — can choose to disclose at listing time. The default, every time, is anonymous.
FEE MODEL
Listing is free. Browsing offers is free. Accepting is free. EDMA never holds the money — financier pays supplier direct, client pays financier direct — so there's no per-deal accrual, no monthly bill against the financed principal. The platform earns from subscriptions only.
EDMA charges operators no fee for using the marketplace to find financing. Not on listing. Not on disclosure. Not on offer-accept. Not on funding. Not on repayment. Not on close.
Money moves bilaterally — financier pays the supplier directly, the buyer pays the financier directly. EDMA never holds or routes the cash, so there's nothing to skim. Self-signup financiers pay the same subscription as operators, scaled by order volume; operator-invited financiers pay nothing at all.
WHAT KIND OF RATES?
Rates vary by deal: counterparty risk, country risk, tenor, sector. EDMA's data advantage doesn't change the laws of trade finance — it changes what financiers can verify. When more is verifiable, less is priced as risk premium.
We don't guarantee a rate. We guarantee better rate discovery through better data.
WHAT GETS FINANCED · AT LAUNCH
The marketplace is built for deals with verifiable operational footing. If the order is in motion and the counterparty is real, you're in. If it's a pipeline maybe or a disputed invoice, you're not — at least not at launch.
Eligible at launch
Launch covers the 80%. Deals on EDMA's marketplace have a verifiable counterparty, a real document chain, and an operational record financiers can underwrite against.
Not eligible at launch
WHO BIDS ON YOUR DEALS?
Anyone can register and browse the marketplace summary feed. To signal interest, see disclosed identities, underwrite or fund — financiers must pass a four-pillar verification. Bad actors can browse. They cannot transact.
PILLAR 01
Audited financials, capital under management, deployable balance. The financier proves they can actually fund what they bid on — not just promise to.
PILLAR 02
Banking licence, factor licence, supply-chain-finance registration — whatever applies in the jurisdictions they want to lend into. Verified against the issuing regulator's public registry.
PILLAR 03
References from operators, suppliers or counterparties they've previously financed — minimum of three, contacted directly by EDMA's onboarding team. Confirmed performance, not self-attested.
PILLAR 04
A live auto-pay method for the financier's monthly subscription — so the platform doesn't chase invoices. Required for self-signup financiers; operator-invited financiers ride on the inviting operator's subscription. Suspended for non-payment, full stop.
HOW FINANCING PLUGS INTO YOUR OPERATIONS
Your ops team works the order the same way they always have. The financing is metadata on the same record — listed, disclosed, funded and repaid in the audit chain alongside every shipment update and document upload.
NO DOUBLE-ENTRY
Your ops team works the order — production, shipments, documents, comms — the way they always have. The financing layer is metadata on the same record, not a parallel system to keep in sync.
// ORD-2026-0418 · single record Order PO 2026-0418 · active Production ▣▣▣▣▣▣▣▣▢▢ · 80% Shipment SE Asia → DE · ETA Jul 18 Docs 14 docs · 11 complete Financing AGR-2026-019 · ACME · funded
AUTOMATIC REPAYMENT
Client pays the financier directly — per LC, invoice assignment or escrow per the agreement. The repayment event auto-matches against the financed deal, triggers the platform-fee accrual on the financier side, and closes out the financing on your record.
// REPAYMENT · AGR-2026-019 Client pays Brevin → Atlas Channel LC · Deutsche Bank Amount $850,000.00 · cleared Matched AGR-2026-019 · auto Operator side $0 fee · closed
AUDIT TRAIL · END TO END
Listing, disclosure approval, offer submission, offer acceptance, drawdown, repayment, fee accrual, close. Every event is logged on the order's audit chain alongside the shipment milestones — one timeline, one source of truth, regulator-ready export.
// AUDIT · ORD-2026-0418 · last 8 16:42 UTC disclosure approved · K.Becker 17:11 UTC offer · ACME · SOFR+95 17:18 UTC offer · Brevin · SOFR+120 09:04 UTC accepted · ACME · operator 11:33 UTC funded · $850K · drawdown
FAQ
Plain answers to the questions that come up on every demo call. Shortest one: EDMA never holds money — financiers pay suppliers direct, clients pay financiers direct, and the platform earns from subscriptions only. The operator pays nothing, ever. That single fact reframes most of the rest.
Each financier completes a four-pillar application before they can transact: audited financials, regulatory licensing proof, three confirmed references, and a subscription payment method on file. Browse access is open to anyone who registers. Transaction access — signalling interest, viewing disclosed identities, underwriting, funding — requires approval. Bad actors can browse; they cannot transact. See vetting →
Book a 30-minute demo. We'll spin up a sandboxed listing for one of your active orders — anonymous summary, vetted financiers signalling interest, disclosure approved, offers side-by-side. You watch the spread drop as financiers see the live data. Operator-fee on the final ledger: $0.
Book a demoSign up as financing-available
See the Financier Portal — what your financier sees on the other side →