Risk management is a crucial skill in running any successful business. In the area of receivables financing however, identifying, and managing risks is even more important. This is where efcom’s  new machine learning solution CubX becomes a “game changer” for the industry. The solution uses state-of-the-art machine learning algorithms to analyse data, including credit scores, financial statements, and customer payment history. While most risk preventing instruments offer such or similar functionalities with historical data sometimes older than one year, CubX does risk preventing with data from today, from now, and in real time. This allows us to accurately predict the likelihood of late payments or even default. In short, we enable clients to uncover various risks, but also potential opportunities by clients, debtors, industries or regions at an early stage in the respective factor’s ecosystem.

Moreover, like efcom’s cloud backend application efX, CubX is also scalable and thanks to its state-of-the art machine learning technology, adapts to your particular ecosystem in a short period of time.

Main benefits

  • Game changing risk management: With CubX, you will identify risks even before they become problematic. This means you can take proactive (rather than reactive) measures to manage risk and minimize the impact on your business.
  • Better decision-making: CubX’ machine learning model provides accurate predictions based on past and actual data analysis. This can help you make better decisions when it comes to factoring, such as whether to take on a new or let go a particular client or how to structure individual deals.
  • Increased efficiency: Our machine learning solution can process large amounts of data quickly and accurately. This means you can make decisions faster and more efficiently, without the need for inaccurate or manual analyses.
  • Competitive advantage: By leveraging the power of machine learning, you can gain a competitive advantage in the factoring industry. efcom’s CubX can help you identify new opportunities and manage risk more effectively than any of your competitors.
  • Adaptable: CubX is designed to be adapt to your unique business needs. Whether you’re a small business or a large enterprise


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Mr. Federico Avellán Borgmeyer

Chief partner officer

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