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Constraints by limited credit lines and strict banking requirements, very small businesses and SMEs, in particular those evolving in trade and the circular economy, struggle to finance their stocks, an element however essential to their development. WAVO offers an unprecedented alternative: a model without debt, based on securitization.
An alternative to traditional banking funding
Obtaining funding to constitute a stock traditionally rests on two solutions: the bank loan or the supplier credit. In both cases, companies see their debt capacity started, which slows down their growth and limits their room for maneuver.
Wavo is free from this constraint by temporarily assuming the ownership of stocks before gradually yielding them to businesses as they go. “We act as a temporary supplier that carries the stock for our customers,” explains Julien Decherf-Mathiolon, CEO and co-founder of Wavo. “We allow them to transform their ambitions into concrete opportunities, without the constraints of the debt. »»
This approach allows VSEs/SMEs to preserve their cash flow while securing their supplies. It is aligned with business sales cycles, thus avoiding fixed charges associated with conventional loan reimbursements.
A model based on stock performance analysis
At the heart of the solution developed by Wavo, an algorithm assesses the performance of stocks funded according to several parameters: product rotation speed, generated margins and resale potential. This analytical capacity makes it possible to calibrate funding and adjust the conditions of purchase according to market trends.
Since its launch, the platform has already financed more than 2 million euros in productscovering a total valuation of 10 million euros in various sectors such as the reconditioning of electronic equipment, solar panels and musical instruments.
This approach is seduced by entrepreneurs who, so far, struggled to finance their stocks without gutting their cash. Guillaume Kessler, luthier and user of Wavotestifies: “With this solution, I was able to participate in auctions and acquire an instrument that I could not have financed differently. This allows me to expand my offer without compromising my cash. »»
A first financing round of 3.5 million euros to accelerate the adoption of the model
Wavo has just finalized a fundraising 3.5 million euros in seedled by Clint Capital with the participation of Kima Ventures, HUB612 Participations (Rhône-Alpes savings bank), Tony Parker and several Business Angels. This funding aims at accelerate the adoption of the solution by French VSEs/SMEs and strengthen the platform analysis tools.
