EmbedX

Transform Your Supply Chain Through Dynamic Discounting

Let factoring work for you with adaptable financing powered by an automated, integrated factoring platform.

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Book a demo with our EmbedX specialists.

What is EmbedX?

EmbedX is an integrated factoring solution that allows your suppliers to receive immediate advance payments for their invoices upon approval in the “e-invoice” system. The service is available on demand, financially efficient with no fixed commitments, and delivers real-time responses.

Elevate Your Supplier Relationships

Whether you are a logistics company, retail chain, manufacturer, construction firm, digital marketplace, or online retailer working with a wide supplier base, EmbedX brings significant advantages to both your operations and your entire partner network.

What EmbedX Offers You

Benefits for Suppliers

Fast Access to Financing
Receive funds within minutes
Improved Cash Flow
Avoid payment delays and plan your operations more efficiently
Flexibility
Choose which invoices to finance and when
Better Terms
Access financing on more favourable terms than traditional financial institutions

Benefits for Buyers

Attractive, Risk-Free Returns
Earn annual returns of up to 25% by investing in your own supply chain
Improved Cash Flow
Flexible payment terms tailored to your liquidity needs
Strengthened Supply Chain
Enhanced supplier liquidity leads to a more stable supply chain
Stronger Supplier Relationships
Provide your suppliers with fast financing under favourable conditions
No Additional Costs
Option to extend payment terms by 15 days with no extra fees

Example of a Factoring Transaction through EmbedX

Purchase

The buyer purchases goods from the supplier worth 100.000 RSD with a 60-day payment term.

Payment Request

The supplier requests early payment through the EmbedX platform.

Early Collection

Finspot pays the supplier 96.000 RSD (reduced by the fee)

The Buyer Chooses a Benefit

Early Payment Option: The buyer pays Finspot immediately and earns 4.000 RSD, or pays at any time between the financing date and the due date and earns a proportional share of the fee.
Cash Flow Optimisation Option: The buyer pays on the due date or uses an additional 15 to 30 days — with no extra cost.

Dynamic Discounting in Your Scenario

Use our factoring calculator and see for yourself: how your cash balance changes when you extend payment terms, or what the impact on your earnings is if you pay suppliers before the agreed due date.

Enter supplier payment period: Enter total amount owed to suppliers (RSD): Adjust the payment period:

0 days earlier 0 days extended

The result will be displayed here

The results presented based on the criteria you entered in the calculator are for informational purposes only and do not obligate Finspot doo to provide you with a financial service under the stated conditions.
The calculation is shown using an indicative factoring fee of 2% for 30 days; however, Finspot doo reserves the right to modify the specific terms and issue a final offer based on the assessment of your creditworthiness.

How does EmbedX work?

Integration

The large buyer integrates with the EmbedX platform

Supplier onboarding

Finspot brings selected suppliers onto the platform

Flexible financing

Suppliers request early payment on approved invoices via the eInvoice system, and Finspot pays them within minutes

Buyer’s choice

The buyer can choose when to pay Finspot:

Immediately after the supplier is financed – keeps the full commission (discount)
By the due date – standard transaction
After the due date – an additional 15 days without extra cost