To be able to use the aifinyo Finetrading service, merchants need a German registered office.
As a Kaufland Global Marketplace merchant, you can benefit from our smart finance partner aifinyo.
With aifinyo Finetrading, you can finance your goods purchases as required and thus purchase goods in larger quantities at any time. In this way, you always remain able to deliver and balance out seasonal peaks. Convenient repayment in up to six monthly installments gives you the financial freedom to make new investments and drive your company’s growth at the same time.
As a bank-independent company, aifinyo guarantees you efficient and unbureaucratic cooperation so that purchase financing can take place within a few days.This is how you can increase your success on the Kaufland marketplaces!
Note: To be able to use the aifinyo Finetrading service, merchants need a German registered office.
Goods financing in three simple steps:
1. Registration The first step is to register with aifinyo. Afterwards the creditworthiness will be analyzed. In case of approval, the financing contract will be signed directly by our service provider. Your requested creditline is immediately available for you.
2. Supplier Order Next, you place your order with the supplier. aifinyo takes care of the costs of the merchandise and resells the order to you. The supplier delivers the goods directly to you as usual.
3. Sell with Kaufland Global Marketplace Now you can sell the products you have purchased on the Kaufland marketplaces. The purchase credit claimed, including a small per-purchase surcharge, must be repaid to aifinyo within 180 days.
Try aifinyo now and benefit from unrestricted delivery capability, positive reviews and high financial flexibility!
FAQs (provided by aifinyo)
How does it work?
You order your goods from your supplier as usual and negotiate the price and delivery terms. aifinyo pays the invoice to your supplier as an intermediary. The shipment is delivered directly to your warehouse. You pay aifinyo the invoice amount in convenient monthly instalments over an extended payment period.
What are my benefits?
- You ensure reliable delivery to your customers.
- You receive an extended payment period of 90 to 360 days, allowing you to generate additional liquidity.
- You strengthen your negotiating position with your suppliers, as you now pay quickly and reliably.
- You don’t damage your credit rating with your bank, as purchase financing is a commercial transaction and not a credit transaction.
Which goods can I finance?
We only finance physical goods.
The following product groups are not covered: Salaries, commissions, fees, services, jewellery and precious stones, digital products (e.g. e-books), perishable goods (minimum shelf life <1 year), goods with a licence requirement (e.g. medicines, chemicals, weapons).
In which countries can I buy from suppliers?
With aifinyo, you can generally buy from suppliers anywhere in the world.
What requirements do I have to fulfil?
- You are commercially active and your company headquarters are in Germany.
- You have a sales history going back at least 3 months.
- Your supplier invoices are related to the purchase of physical goods.
Important note: Our service is aimed exclusively at business customers. This includes corporations (e.g. UG, GmbH, AG) as well as partnerships (e.g. GbR, sole proprietorship).
What does goods financing cost?
The fees for a supplier invoice are made up of two components:
- Goods financing with a 180-day payment period, for example, will include a sales margin of 3.99%.
- In addition, a processing fee of €39 (domestic and international) is charged per purchase transaction. The fees do not include VAT.
Example:
- Supplier invoice: €10,000
- Duration: 180 days, sales margin: 3.99%
- Repayment amount €10,399
A monthly instalment of €1,733.16 is then conveniently collected via direct debit over a period of six months. Important note: Negotiated discounts will be deducted in full from the sales margin to your advantage!
How long does my contract run for?
aifinyo accompanies and supports your company in the long term with a contract period of 24 months. A monthly fee of €49 is charged for the provision of the purchasing credit.