The problem
Trading companies turn over cash quickly, in large amounts and along long chains. Typical pain points:
- a receipt lands and nobody knows which contract it pays for, so cash application relies on back-and-forth email;
- cash plans are disconnected from the business, and payment peaks collide with financing maturities;
- credit limits are kept in spreadsheets, utilisation and release lag, and shipments over the limit still happen;
- taxes and charges on an import shipment are totalled only afterwards, so cost and profit are inaccurate.
How Tranexio handles it
- Receipts and payments: approved payment requests are split into one or more payment executions, and receipts are matched to counterparties, contracts and orders by application rules maintained in one place.
- Cash planning: cash plans are generated automatically from contract payment terms, order delivery dates and financing maturities, and cash positions are consolidated.
- Financing and bills: the financing ledger records facilities, drawdowns, interest and principal repayments with automatic maturity reminders; the bill pool manages bills received, endorsement and collection.
- Credit: customer credit lines and group credit frameworks sit in one limit ledger, consumed at contract and shipment and released on receipt.
- Two taxes and nine fees (两税九费): for imports, each item is estimated from a charge template, then actuals are recorded and allocated to batches, flowing into inventory cost and order P&L.
- Bank collaboration: bank statements and e-receipts are matched automatically once imported; the integration hub provides treasury and bank connectivity connectors that can connect to your existing treasury or bank–enterprise platform.
Key controls
| Control | How it works |
|---|---|
| Payment checks | Before payment, contract payment terms, payee onboarding and sanctions screening are checked |
| Limit utilisation | Shipments and open-account sales beyond available credit are blocked or sent for approval |
| Application rules | Cash application rules have a single source, preventing one receipt being applied twice |
| Cost allocation | The two taxes and nine fees are allocated by batch, and unrecorded estimates are reversed against actuals |
| Maturity reminders | Financing and bill maturities automatically create tasks |