跨境电商资金困境突围：发票融资成卖家新选择
2023年跨境电商行业最热门的关键词非"全托管模式"莫属。速卖通、SHEIN、Temu和TikTok Shop等平台纷纷推出这一模式，而亚马逊的VC账户（供应商账户）本质上也是一种类似的全托管形式。
In 2023, the most talked-about term in cross-border e-commerce was "fully hosted model". Platforms like AliExpress, SHEIN, Temu and TikTok Shop have all launched this model, while Amazon's VC account (Vendor Central) is essentially a similar fully hosted form.
随着跨境电商供应链升级，资金周转问题成为制约企业发展的关键因素。当传统融资渠道无法满足需求时，发票融资这一传统外贸出口常见的贸易融资方式，正在跨境电商B2B领域崭露头角。
With the upgrading of cross-border e-commerce supply chains, capital turnover issues have become a key constraint on business development. When traditional financing channels cannot meet demand, invoice financing, a common trade financing method in traditional foreign trade exports, is emerging in the cross-border e-commerce B2B field.
发票融资：跨境电商的定制化金融方案
Invoice Financing: Tailored Financial Solution for Cross-border E-commerce
MODIFI贸德飞首席运营官Sven Brauer表示："发票融资是为中小企业增长量身定制的金融解决方案。作为全球最大的出口市场，很多中国跨境电商企业完美适配这一方案。"
MODIFI COO Sven Brauer said: "Invoice financing is a financial solution tailored for the growth of SMEs. As the world's largest export market, many Chinese cross-border e-commerce companies are perfectly suited for this solution."
相比传统融资方式，发票融资具有三大优势：
- 流程简单，审批速度快
- 有效缓解回款周期过长问题
- 降低坏账风险
Compared with traditional financing methods, invoice financing has three major advantages:
- Simple process, fast approval
- Effectively alleviates long payment cycles
- Reduces bad debt risk
创新数字化解决方案
Innovative Digital Solutions
MODIFI与AirWallex、PingPong等企业合作构建集成层，提供发票融资+多币种付款托收的综合金融解决方案。通过API上传发票，利用AI技术自动识别，实现批量处理。
MODIFI cooperates with companies like AirWallex and PingPong to build an integration layer, providing comprehensive financial solutions combining invoice financing + multi-currency payment collection. Through API invoice uploads, using AI technology for automatic recognition to achieve batch processing.
特别值得一提的是MODIFI的全球账户解决方案(GAS)：
- 支持灵活信用额度
- 可延长付款周期
- 提供先买后付(BNPL)选项
- 承担买家不付款风险
Particularly noteworthy is MODIFI's Global Account Solution (GAS):
- Supports flexible credit lines
- Can extend payment cycles
- Offers Buy Now, Pay Later (BNPL) options
- Assumes buyer non-payment risk
融入中国跨境电商生态
Integrating into China's Cross-border E-commerce Ecosystem
2023年第四季度，中国已成为MODIFI最大市场。公司成立深圳团队，深化"扎根市场，服务市场"的本地化战略，2024年将加大对营销、销售和产品部门本地团队的投资。
In Q4 2023, China has become MODIFI's largest market. The company established a Shenzhen team to deepen the "Rooted in the market, serving the market" localization strategy, and will increase investment in local teams for marketing, sales and product departments in 2024.
Sven Brauer表示："中国跨境电商生态服务体系非常完善发达，希望我们能融入其中。MODIFI将通过发票融资服务满足客户现金流动需求，并与其他互补领域合作伙伴共同提供更完善的解决方案。"
Sven Brauer said: "China's cross-border e-commerce ecosystem service system is very complete and developed, and we hope to integrate into it. MODIFI will meet customers' cash flow needs through invoice financing services and work with complementary partners to provide more complete solutions."
