Systems, methods, and computer program products for supply chain finance

Abstract

Systems and methods for providing supply chain financing that include receiving a request to finance an asset of a borrower, where the asset is associated with goods provided by a supplier to a buyer under the control of a supply chain/logistics entity. Attributes of a trade ecosystem of the supplier and/or the buyer are evaluated to determine whether to finance the asset. Financing of the asset is then established based upon the analyzed attributes of the trade ecosystem, where the terms of the financing permit control over movement of goods before and/or after default of the terms of the financing. Information associated with movement of the goods is monitored and analyzed to determine adjustments to at least one of the financing terms based on the information associated with movement of the goods.

1 - 33 . (canceled) 
     
     
         34 . A computerized system for providing supply chain financing, comprising:
 a memory for storing executable instructions;   a processor in communication with the memory, wherein the processor is operable to execute the stored executable instructions to:   evaluate a plurality of attributes of a trade ecosystem associated with a supplier and a buyer to determine whether to finance an asset of a borrower, wherein the asset is associated with inventory provided by the supplier to the buyer under the control of a supply chain/logistics entity;   provide the financing of the asset based at least in part on the evaluated plurality of attributes, wherein the financing is adjustable based at least in part on information relating to the inventory obtained by the supply chain/logistics entity;   receive, from the supply chain/logistics entity, information associated with movement of the inventory; and   based at least in part on the information associated with movement of the inventory, adjust at least one term of financing based at least in part on the information associated with movement of the inventory.   
     
     
         35 . The computerized system of  claim 34 , wherein the borrower is at least one of the supplier or the buyer. 
     
     
         36 . The computerized system of  claim 34 , wherein the processor receives, from the supply chain/logistics company, information associated with movement of the inventory; and
 adjusts at least one term of financing based at least in part on the information associated with movement of the inventory in substantially real time.   
     
     
         37 . The computerized system of  claim 34 , wherein the inventory includes in-transit inventory located in at least one of a warehouse, bonded logistics center, or free trade zone. 
     
     
         38 . The computerized system of  claim 34 , wherein the information associated with movement of the inventory includes at least one of location information, identifying information for the inventory, or valuation information for the inventory. 
     
     
         39 . The computerized system of  claim 34 , wherein the at least one term of financing permits control over movement of the inventory upon default of one of the at least one term of financing. 
     
     
         40 . The computerized system of  claim 34 , wherein the at least one term of financing permits the supply chain/logistics entity to obtain ownership of the inventory upon default of the at least one term of financing. 
     
     
         41 . The computerized system of  claim 34 , wherein the executable instructions when executed by the processor, cause the processor to adjust the at least one term of financing based at least in part on the information associated with movement of the inventory, and adjust at least an advance rate associated with the borrower. 
     
     
         42 . The computerized system of  claim 34 , wherein the supply chain/logistics entity is at least one of the entities transporting the inventory from the supplier to the buyer. 
     
     
         43 . The computerized system of  claim 34 , wherein the supply chain/logistics entity provides an audit of the financing for a lender associated with the financing. 
     
     
         44 . The computerized system of  claim 34 , wherein the at least one term of financing provides that a supplier receives funds from the supply chain/logistics entity and the supply chain/logistics entity takes a collateral interest in the inventory, and wherein the inventory is shipped in at least one container. 
     
     
         45 . A method for implementation by one or more data processors forming part of at least one computing system, the method comprising:
 receiving a request to finance an asset of a borrower, wherein the asset is associated with goods provided by a supplier to a buyer under the control of a supply chain/logistics entity;   evaluating a plurality of attributes of a trade ecosystem associated with the supplier and the buyer, wherein the plurality of the attributes include at least one attribute associated with the movement of inventory from the supplier to the buyer;   determining, in response to the evaluating, to finance the asset based at least in part on the evaluated plurality of attributes; and   providing the financing of the asset, wherein at least one term of a plurality of financing terms permits control over movement of the inventory both before and after default of one of the plurality of financing terms.   
     
     
         46 . The computerized method of  claim 45 , wherein the borrower is at least one of the supplier or the buyer. 
     
     
         47 . The computerized method of  claim 45 , wherein the plurality of attributes of the trade ecosystem are associated with one or more of (i) the supplier, (ii) the buyer, (iii) a relationship between the supplier and the buyer, or (iv) the inventory provided from the supplier and the buyer. 
     
     
         48 . The computerized method of  claim 45 , further comprising: collecting payment at a time earlier than specified in the plurality of terms of financing, wherein the collected payment is a discounted payment. 
     
     
         49 . The computerized method of  claim 45 , wherein control over movement of the inventory includes at least one of stopping further movement of the inventory or redirecting movement of the inventory. 
     
     
         50 . A computer-readable medium storing computer executable instructions for providing supply chain financing, comprising the steps of:
 evaluating a plurality of attributes of a trade ecosystem associated with a supplier and a buyer to determine whether to finance an asset of a borrower, wherein the asset is associated with inventory provided by the supplier to the buyer under the control of a supply chain/logistics entity;   providing the financing of the asset based at least in part on the evaluated plurality of attributes, wherein the financing is adjustable based at least in part on information relating to the inventory obtained by the supply chain/logistics entity;   receiving, from the supply chain/logistics entity, information associated with movement of the inventory; and   based at least in part on the information associated with movement of the inventory, adjusting at least one term of financing based at least in part on the information associated with movement of the inventory.   
     
     
         51 . The computer-readable medium of  claim 50 , wherein the borrower is at least one of the supplier or the buyer. 
     
     
         52 . The computer-readable medium of  claim 50 , further comprising the steps of: receiving, from the supply chain/logistics company, information associated with movement of the inventory; and
 adjusting at least one term of financing based at least in part on the information associated with movement of the inventory in substantially real time.   
     
     
         53 . The computer-readable medium of  claim 50 , wherein the inventory includes in-transit inventory located in at least one of a warehouse, bonded logistics center, or free trade zone.