James Bowler, CEO and co-founder Mid-market companies are facing a cash flow squeeze. Global supply chains and rising transaction volumes demand constant attention and adaptable strategies. However, traditional bank credit options often lack flexibility, hindering growth and limiting opportunities. These bank models struggle with credit underwriting and risk assessment for mid-sized businesses, resulting in missed growth opportunities and untapped potential.
CFOs and finance teams need two capabilities to overcome these adversities: clear visibility into their cash flow and the flexibility to manage it effectively.
Numarqe, a leading financial services firm, meets the challenge with its unique combination of a powerful corporate credit platform and an innovative payables solution specifically designed for the needs of mid-market companies.
Available in both virtual and physical forms, Numarqe’s corporate card is an excellent alternative to traditional banking cards, where limits are punitively low and fees are tied to FX rates or local merchants per transaction. Instead, users get dynamic credit limits that flex to their working capital cycle, along with simple, clear pricing. This helps businesses save time, reduce costs, and minimize risk while operating on a cloud-based platform that integrates smoothly with existing client systems.
Furthermore, Numarqe’s supplier financing solution simplifies invoice payments by streamlining the process, allowing seamless payments on extended terms with just one click. This eliminates the need to transfer funds across multiple bank accounts and enhances cash flow visibility.
Our platform automates the entire accounts payable process, helping clients improve accuracy, save time, and reduce costs and resources 
Numarqe’s advanced platform offers a digitized, near-instantaneous view of the entire spending lifecycle, from streamlining transaction processes and card management to improving working capital efficiency. It is supercharged with AI for effective credit underwriting, enabling the company to provide more dynamic credit options when needed.
“By seamlessly integrating credit capabilities into the software, Numarqe empowers clients to efficiently manage their finances, handle cross-border transactions, and manage multiple currency accounts, ensuring they capitalize on growth opportunities. Our unique multi-currency credit offering provides a seamless approach to global expense management,” says James Bowler, a tenured CFO and current CEO and co-founder of Numarqe.
The Centralized Platform
Numarqe’s features are a boon for mid-market businesses that engage in multi-currency spending or international travel.
For instance, the company collaborated with a UK-based mid-market business that utilized a corporate credit card—a common payables medium—from their incumbent bank. These solutions were often limited to UK transactions, which compelled the organization to find and set up a separate credit card provider for different regions. This created a fragmented financial ecosystem where each overseas entity had varying terms, fees, regulations, and functionalities.
Managing these different accounts became cumbersome in the long run, leading to inefficient working capital management.
Numarqe offers an innovative approach to tackle the complexities associated with global transactions by embedding a single, overarching credit line across all payment needs within an organization. Companies can easily allocate funds in different currencies according to their operational needs, whether for paying invoices or making card payments.
Designed as a multi-product, multi-entity, and multi-currency solution, the Numarqe platform allows finance teams to onboard all their suppliers, set up, and manage regionspecific accounts within the same system. Each division in the organization, along with its geographically disparate offices, can use the same financial tools, thereby gaining a consistent user experience across all accounts. “Our platform automates the entire accounts payable process, helping clients improve accuracy, save time, and reduce costs and resources,” says Bowler. By solving the working capital challenge, Numarqe brings order to chaotic global business transactions and gives its clients much-needed visibility and flexibility.
One Platform, Multiple Benefits
The Numarqe platform’s advanced monitoring capabilities and AI-powered analytics raise the bar for expense tracking. Senior finance professionals can track transaction data and spending in real time, making it easier to uphold accountability and create a culture of conscious purchases. Its multi-level control features allow administrators and executives to set precise, customized limits and rules for individual users or specific product purchases. The benefit? A robust and adaptable financial governance structure that seamlessly evolves with business needs.
While top-notch financial oversight is crucial, it represents just one facet of Numarqe’s approach to working capital. On the other side of the coin, its robust analytics delve deep into an organization’s spending patterns. These intelligent algorithms uncover hidden trends, anomalies, and opportunities for cost savings, delivering valuable insights at the user’s fingertips. Beyond enhancing financial executives’ data-driven decisionmaking, these insights play a pivotal role in Numarqe’s automated credit decisioning capability.
All this financial data and spending behavior patterns enable the Numarqe team to gain a solid, more accurate grasp of the risks, exposures, and capital requirements. This understanding gives them a natural edge in transforming how businesses access credit.
“We can underwrite credit risk more effectively and provide quicker, more tailored solutions to meet corporate needs as they evolve,” says Bowler.
Numarqe offers credit lines up to ten times higher than the industry standard provided by traditional lenders, positioning it as an excellent choice over existing credit options. Its innovative approach extends to cash flow management, as the company allows organizations to defer payments for up to 90 days. This flexibility is crucial for maintaining sufficient cash reserves, avoiding overdrafts, and preventing delayed payments. It serves as a vital avenue for mid-market businesses, providing the necessary momentum to invest in growth, scale operations, and navigate economic headwinds effectively.
Given the direct connection of all this information with organizations’ business-critical data, the company has prioritized security within its feature-rich platform. Equipped with state-of-the-art spending controls, real-time alerts, and fraud detection tools, it ensures that vulnerabilities for malicious actors are non-existent. The platform adheres rigorously to local and global compliance and regulatory requirements, ensuring secure payment authorizations and real-time data access for teams operating across the globe, no matter the time zone.-Powered Critical Govt Decision Support.
Excellence in Client Focus
Numarqe places client-centricity at the core of its solution. While designed as a self-service platform, a personalized approach remains central to its service delivery. Emphasizing that ‘people buy from people,’ the company recognizes that maintaining personal relationships is key to success. Dedicated account managers engage directly with senior financial executives— such as CFOs and global controllers—regularly to grasp each customer’s financial needs, funding gaps, and opportunities for improving payment efficiency.
These insights are used to tailor solutions that meet specific needs, resulting in cost-effective and mutually beneficial outcomes. This approach consistently yields increased transaction volumes post-onboarding, underscoring the impact of personalized credit support.
Numarqe’s journey with a global travel company illustrates its commitment to customer satisfaction and product excellence. Initially, the travel company opted for a limited set of features. Impressed by the benefits, their use of the Numarqe platform quickly grew, now spanning hundreds of users across multiple divisions.
The most significant transformation occurred when the travel company fully transitioned to Numarqe, highlighting their trust and the value they found in its offerings. The deepening relationship led to an expanded use of features, increased credit lines, and the adoption of additional currencies. This instance reflects the quality and efficiency Numarqe brings to corporate spend management.
Building the Future of Credit
At the end of the day, Numarqe’s success is fueled by the expertise of its diverse team, hailing from various industries. Drawing insights from a rich background in financial services, particularly in trading, has shaped their approach to credit. They’ve seen trading evolve from manual processes to automated systems, instilling a culture where scalability and risk management are intertwined. This experience is reflected in their credit offerings, where they prioritize real-time risk controls to support scalable, efficient credit solutions.
By combining their expertise in trading and finance with a deep commitment to customer needs, the company offers a forward-thinking credit product designed to enhance financial efficiency and meet the evolving demands of today’s businesses.
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We can underwrite credit risk more effectively and provide quicker, more tailored solutions to meet corporate needs as they evolve
Numarqe is gearing up to expand payment options and increase currency choices for customers. While its immediate market is UK-based corporations with international offices, ambitions for global expansion targeting regions like Asia are on the immediate roadmap. Preparations are underway to scale up the current short-term lending options, contingent upon market demand and operational readiness.
The company is also exploring enhanced risk management capabilities, including the use of large language models to quickly assess corporate financial data for insights into customer creditworthiness. These efforts reaffirm its commitment to providing agility in risk management and delivering transformative solutions for mid-tier businesses everywhere.
Numarqe is actively shaping a future where mid-market businesses can transform their financial spending to thrive in the ever-evolving business landscape and achieve remarkable growth and success on par with industry giants.
