In the first part, we looked at how collections management affects working capital and cash flow, the five structural problems that make collections harder in Türkiye, and the main bottlenecks companies face.
In the first part, we looked at how collections management affects working capital and cash flow, the five structural problems that make collections harder in Türkiye, and the main bottlenecks companies face.
Now we turn to the solutions.
In this part, we will examine the leading collections management approaches around the world, multi-bank DBS, early collection and alternative financing models, and the role of data in credit-limit decisions. We will then look at how Faturalab brings the different layers of these structures together within a single collections infrastructure.
This matters because the financial impact of collections is not limited to when an invoice is paid. When the right structure is in place, receivables can become a resource that directly shapes a company’s cash flow and financing capacity.
Globally, the shift in collections management is converging on a few clear trends.
Leading treasury teams manage DSO, DPO and DIO (days inventory outstanding) together rather than separately a single KPI the cash conversion cycle. The goal is not simply to speed up collections, but to optimise working capitalas a whole.
Limits are pooled, and each transaction is routed to the bank offering the best price. Dependence on a single bank is seen as both a cost and a concentration risk.
Real-time data such as e-invoice history, POS turnover and payment behaviour reflects a dealer’s creditworthiness more accurately than a balance sheets or real-estate collateral. This data makes limit decisions dynamic.
Dynamic discounting models, where buyers with surplus cash pay early in exchange for a discount, create financing within the supply chain without touching bank limits.
Bringing trade receivables together with non-bank financing and investor sources through suitable structures can diversify a company’s financing options. Receivable portfolios that generate steady and predictable cash flow can be treated, under the right conditions, not only as a balance-sheet item awaiting collection but also as an additional source of financing.
According to BillingPlatform’s research, 57% of finance leaders see manual workflows in collections as a significant problem, and only 3% of companies have fully automated their receivables management (BillingPlatform). The real value lies not in automating document preparation, but in bringing collections, limit, risk, pricing and financing data together within the same decision mechanism.
The Faturalab Collections Platform is an integrated collections infrastructure that handles virtual cheques, multi-bank DBS, early collection, risk management and alternative financing options together. This approach makes it possible to evaluate data and financing capacity across different channels as a whole.
| Layer | What it does | Impact on the company |
| Virtual Cheque → DBS | A digital commitment approved within a DBS limit at the dealer’s bank, replacing the physical cheque | Physical cheque handling is eliminated, and the receivable becomes ready for early collection |
| Multi-Bank Smart DBS | Pools the dealer’s limits across different banks and routes each receivable to the most suitable bank | Idle limits are put to use, and banks compete on price |
| Early Collection and Risk Protection | Offers different early-payment options for receivables, backed by suitable risk-mitigation mechanisms | Helps the seller reach cash sooner while reducing the risk the financing provider takes on |
| Risk-Sharing Models | Supports structured risk sharing between the seller and the financing provider | Can support the creation of additional financing capacity, depending on the risk assessment and financing terms |
| Alternative Financing Sources | Enables invoice-based receivables to be connected with non-bank financing and investor sources through suitable structures | Helps reduce dependence on bank limits by diversifying financing sources |
| Dealer Collateral and POS Data | Manages the collateral pool, receivables insurance and real-time POS data on a single dashboard | Data-driven limit decisions and cash-flow projection |
This structure builds on Faturalab’s broad financing infrastructure. The platform brings together 32 integrated financial institutions, more than 7,000 member companies, 14 billion TL in bank limits, over 5 billion TL in monthly financing volume and more than 5 million shared e-invoice records. The Collections Platform extends this infrastructure to the cash-inflow side.
To understand how healthy your collections setup is, can you answer the following questions today, from a single screen?
If you answer “no” to two or more of these questions, there is likely unused financing capacity in your company’s receivables.
What is DBS (the Direct Debit System)? DBS is a collections system in which the seller’s receivable is collected automatically on the due date, within a limit defined by the buyer’s bank. It provides collection assurance for the seller and the option of deferred payment for the buyer.
What is DSO, and why does it matter? DSO (Days Sales Outstanding) shows how many days, on average, it takes for a sale to turn into cash. Each day of DSO means one day’s worth of turnover is locked up in receivables.
Can receivables be turned into a non-bank source of financing? Steady and predictable trade receivables can be connected with alternative funding sources through suitable financial structures. The availability of these options depends on the nature of the receivables, the risk assessment and the relevant financing terms. Under the right conditions, this can help companies diversify their financing sources and create additional financing capacity.
Why does multi-bank collections management matter? In a single-bank structure, a dealer’s financing capacity is limited to that one bank’s limit. In a multi-bank structure, limits are pooled, idle capacity is put to use, and banks compete on price. The result is more sales capacity at a lower cost.
The impact of collections management does not end the moment payment lands in your account. When usable limits, collection costs, early-payment options, risk data and different financing sources are managed together, receivables can become a financial resource that directly affects a company’s working capital.
Multi-bank collections, early-payment options, risk-reducing mechanisms and alternative financing models are the tools of this transformation. The key not to use these tools in isolation, but to manage them together within the same financial structure, using the right data.
The Faturalab Collections Platform brings this approach together in a single infrastructure. It helps you evaluate and manage multi-bank DBS, early collection, risk management and different financing options through one structure.
Let’s assess together how much financing capacity your receivables hold, how much of your existing limits you are able to use, and which areas of your collections setup can be improved.
Get in touch with Faturalab: Faturalab – Supply Chain Finance Solutions
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