跨境电商融资新选择：揭秘亚马逊VC卖家如何通过发票融资提前回款

跨境电商融资新选择：揭秘亚马逊VC卖家如何通过发票融资提前回款

Cross-border E-commerce Financing: How Amazon VC Sellers Get Early Payments Through Invoice Financing

随着跨境电商行业的快速发展，卖家对资金周转效率的需求日益增长。 传统融资渠道往往难以满足中小卖家的灵活资金需求，而创新的发票融资模式正在成为行业新趋势。

With the rapid development of cross-border e-commerce, sellers' demand for capital turnover efficiency is increasing. Traditional financing channels often fail to meet the flexible capital needs of small and medium sellers, while innovative invoice financing models are becoming an industry trend.

9月初，一位亚马逊美国站厨房用品类目的VC卖家通过发票预付款融资实现了"提前收款"。虽然该卖家经营时长不满2年，但业绩增速迅猛，传统融资渠道无法满足其灵活的资金需求。

In early September, an Amazon US VC seller in the kitchen supplies category achieved "early payment" through invoice prepayment financing. Although the seller has been in business for less than 2 years, its rapid growth performance couldn't be supported by traditional financing channels.

01 创新B2B跨境融资模式

01 Innovative B2B Cross-border Financing Model

MODIFI贸德飞联合Airwallex空中云汇推出的全球账户解决方案(MODIFI GAS)，为出口商提供集融资和收款于一体的支付方案。自2018年成立以来，MODIFI已为全球1600多名卖家和买家提供超过20亿美元的融资资金。

The MODIFI Global Account Solution (MODIFI GAS), launched by MODIFI in partnership with Airwallex, provides exporters with an integrated payment solution combining financing and collection. Since its establishment in 2018, MODIFI has provided over $2 billion in financing to more than 1,600 sellers and buyers worldwide.

相比传统融资，MODIFI的创新之处在于：

• 外贸卖家可提前收到80%货款
• 海外买家可获得180天延期付款
• 全程数字化操作，提高资金周转效率

Compared with traditional financing, MODIFI's innovations include:

• Exporters can receive 80% payment in advance
• International buyers get 180-day deferred payment
• Fully digital operation improves capital turnover

02 电商平台卖家的融资解决方案

02 Financing Solutions for E-commerce Platform Sellers

MODIFI GAS特别针对亚马逊Vendor Central等B2B平台卖家提供发票融资加收款综合解决方案：

• 最高3000万美元融资额度
• API上传发票，AI自动识别处理
• 审核买家回款能力而非卖家资质
• 支持多币种同名账户收款

MODIFI GAS specifically provides integrated invoice financing and collection solutions for B2B platform sellers like Amazon Vendor Central:

• Up to $30 million financing limit
• API invoice upload with AI automatic recognition
• Review buyer's repayment ability rather than seller qualifications
• Multi-currency same-name account collection

一位使用该服务的VC卖家表示："全球账户解决方案有效解决了我们在数字化和额度上的痛点，业务效率显著提升，成本大幅降低。"

A VC seller using the service said: "The global account solution effectively solved our pain points in digitization and financing limits, significantly improving business efficiency and reducing costs."

03 看好跨境电商与中国市场

03 Optimistic About Cross-border E-commerce and Chinese Market

根据海关总署数据，今年前三季度我国跨境电商出口额达1.3万亿，同比增长17.7%。MODIFI贸德飞大中华区总经理黄文龙表示："跨境电商已成为我国外贸发展的新动能，我们致力于为更多中国卖家提供支持。"

According to customs data, China's cross-border e-commerce exports reached 1.3 trillion yuan in the first three quarters, up 17.7% year-on-year. Huang Wenlong, General Manager of MODIFI Greater China, said: "Cross-border e-commerce has become a new driver of China's foreign trade development, and we are committed to supporting more Chinese sellers."

MODIFI近期入围CNBC《2023年全球金融科技企业榜单》，未来将继续通过数字化创新服务更多中小卖家，助力中国企业实现全球业务扩张。

Recently included in CNBC's "2023 Global Fintech List", MODIFI will continue to serve more SMEs through digital innovation, helping Chinese companies achieve global business expansion.