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Cargo Ship at the Port

What does dLab do differently?

Use of Digital Lending Platform 

dLab Asset Management's Digital Impact Lending Strategy specializes in digitalized corporate finance and aims to provide additional financing sources to SMEs to accelerate growth and create efficiencies.

  • Incorporating digital platforms and marketplaces to access a variety of  SMEs

  • Decreased transaction size for diversification

  • Utilising risk mitigation methodologies such as insurance and collateral

The simplified overall flow of the financing operation will look as so.

Financier

(Lender)

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3. Financing agreement/ Loan

5. Transaction fee payment less loan balance and interest

4. Inspection of goods/ Payment

Seller

(Borrower)

factory icon.png
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1. Commercial Agreement

2. Delivery of Goods

Buyer

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Product

Collateral

Typical Flow Example

1. The Seller and Buyer establish an trade agreement

2. Delivery of goods

3. dLab Asset Management's fund to lend 80% of the transaction amount to the Seller

4. After delivery of goods, the Buyer will pay 100% of the deal amount to the fund

5. Fund will take 80% plus interest and return the remaining amount to the Seller

Operation in Real Life

Below is an example of a transaction taken place between a buyer and a seller and the dynamics of financing utilizing digital platform.

The transaction amount is set at 100,000USD where the payment term is 60 days. A seller borrows money on the digital platform, which allows them to capitalize on the time saved to work on the next deal.

Day 1: Funding and Payment

Buyer

Office Building

1. Agreement of 100,000USD deal

Seller

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insurance

Utilize insurance to cover the risk of the seller going bankrupt.

2. A buyer approves the invoicing and agree to the terms of 60 day payment term for 100,000USD.

Platform

4. A platform will match the loan with a lender.

Seller's 

account/ Trust

money
money

Lender

5. A lender wires fund to account.

3. A seller will borrow 80,000USD via a platform to use for the next deal/production.

6. A seller receives 80,000USD

money

Day 60: Repayment

Office Building

Buyer

money

Designated Payment Account

7. A buyer completes the payment of 100,000USD

8.

money

9. Payment of 80,000USD and interest

Seller's 

account/ Trust

money

Balance of 20,000USD less interest is received by a seller

Lender

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Seller

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