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4. How is SAP and Taulia related to each other?
6. How does Taulia utilize invoice and payment data?
7. Does Taulia share the data it receives with any other organization outside of SAP or Taulia?
8. Does all invoice and payment data flow from SAP S/4HANA Cloud Public Edition to Taulia?
9. How long does it take for data to flow between SAP S/4HANA Cloud Public Edition and Taulia?
10. What is the type of data that flows back from Taulia to the SAP S/4HANA Cloud Public Edition?
11. How much time and resources are required to implement the solution in our environment?
15. How do I activate the direct integration between SAP S/4HANA Cloud Public Edition and Taulia?
16. How can I check that the initial set-up is successful?
17. How can I test the system before the finance team initiates actual financing?
19. Where can I find product documentation and implementation guides?
20. What type of receivables financing does Taulia offer?
21. Is Taulia’s Receivables Finance offering classified as a loan?
22. What is a Receivables Purchase Agreement?
23. Is there a due diligence/financing application process required for my company and my customers?
24. Once set up, is the financing arrangement disclosed to my customers?
25. How does Taulia collect payments due from financed invoices?
26. How does Taulia calculate the financing fee?
27. Besides the financing fee, are there any additional costs to be aware of?
29. How does SAP or Taulia separate invoices that are financed through other programs?
30. Once I activate the integration, how do I request financing for an invoice with Taulia?
32. Can I automatically finance all invoices for an eligible customer invoicing flow?
33. Where will funds for financed invoices be sent to?
35. What do the different document statuses in Taulia mean?
36. What do the different account statuses in SAP S/4HANA Cloud Public Edition mean?
Introduction to embedded receivables finance with SAP S/4HANA Cloud Public Edition and Taulia
We are building towards a seamless financing journey for your treasury and finance teams, which will make real-time access to financing a possibility. By accessing cash early instead of waiting 30, 60, or 90 days for customers to pay, your treasury and finance teams will be able to manage cash flow needs in a more predictable manner.
Our embedded receivables finance offering relies on bi-directional data flows between SAP S/4HANA Cloud Public Edition and Taulia. There are four main areas that we are automating:
Taulia’s role is to provide financing through our Multifunder platform, while SAP S/4HANA Cloud Public Edition provides the full end-to-end reconciliation with auto-posting journal entries. S4HANA provides visibility and transparency on each financed transaction from the customer invoice level through repayment to the funder.
The SAP S/4HANA Cloud Public Edition financing experience requires minimal technical set-up time of approximately 4-8 hours. The technical setup activates the connection between SAP S/4HANA Cloud Public Edition and Taulia that enables data to flow between the two platforms. This is a one-time effort to activate the direct integration.
Once the data flows are enabled and the treasury/finance team is ready to fund the invoices, the entire experience is managed digitally. There are multiple benefits with this approach that include:
Our research has shown that the current experience of treasury and finance teams with funding institutions is largely manual. Most businesses work with financiers that have lengthy set-up requirements, along with manual extraction of historical data from the ERP system. A typical set-up can take treasury and finance teams anywhere between 8-12 weeks to complete.
Most traditional funders also require invoice data to be extracted for each funding cycle, which is typically followed up with back-and-forth for eligible invoices. After a trade is complete, treasury and finance teams manually reconcile the entries. The entire cycle is extremely resource-intensive and can take weeks to close out.
In comparison, embedded financing through SAP S/4HANA Cloud Public Edition takes approximately 4-8 hours of set-up time, which is a one time activity. Thereafter, the data flows, posting of funded invoices, payments from the customer, and posting of customer payments is managed without any manual intervention.
4. How is SAP and Taulia related to each other?
Taulia is an SAP company and is part of SAP’s Treasury portfolio. We sit in SAP’s Working Capital Management area within the Treasury portfolio. Taulia provides levers for companies to optimize their working capital through Payables Finance, Receivables Finance, and Inventory Finance.
Data flows between SAP S/4HANA Cloud Public Edition and Taulia.
SAP S/4HANA Cloud Public Edition communicates invoice and payment-related data to Taulia. This includes:
6. How does Taulia utilize invoice and payment data?
Sharing invoice and payment data is an integral part of any financing arrangement. Your treasury teams share this information with potential financing institutions today.
From Taulia’s perspective, we are interested in providing the best possible price for your customer’s receivables. To aid that process, we use multiple data points to come up with an appropriate price for customer invoices being financed.
Historical invoice and payment data from the past 12 months form one of the parameters used to calculate pricing. We utilize the data for financial due diligence, to determine the eligibility of the customer, and to determine an appropriate price to access early financing through the sale of the receivables.
We also use other parameters such as credit worthiness and third-party data points to come to the final price.
Finally, by activating the integration, future invoice and payment data will flow through to Taulia. This information helps with quick financing of future invoices, tracking customer payments, and reconciliation.
7. Does Taulia share the data it receives with any other organization outside of SAP or Taulia?
Taulia works with financial institutions to source the most competitive price for the set of receivables being funded. We have existing agreements with these financial institutions and only share data that will help the financial institutions to make credit underwriting decisions, and to provide liquidity against the invoices being financed.
8. Does all invoice and payment data flow from SAP S/4HANA Cloud Public Edition to Taulia?
Yes, invoice and payment data from all of your customers will flow from SAP S/4HANA Cloud Public Edition to Taulia. We will have access to data from the time your company moved to the SAP S/4HANA Cloud Public Edition. Data that sits in other ERP versions or data that has not been migrated to SAP S/4HANA Cloud Public Edition will not flow through to Taulia.
9. How long does it take for data to flow between SAP S/4HANA Cloud Public Edition and Taulia?
Data flows between SAP S/4HANA Cloud Public Edition and Taulia are close to real-time, taking 15 minutes for the data to sync.
10. What is the type of data that flows back from Taulia to the SAP S/4HANA Cloud Public Edition?
Once a receivable is sold and funded, data flows back from Taulia to the SAP S/4HANA Cloud Public Edition. The data that flows back results in the creation of a new Receivables Financing Document in SAP S/4HANA Cloud Public Edition. The fields that are populated in the Receivables Financing Document include:
Configuration and set-up
11. How much time and resources are required to implement the solution in our environment?
The setup effort is primarily focused on activating the direct integration that comes with your purchase of SAP S/4HANA Cloud Public Edition. We offer a self-service set-up that can be configured by your technical resources, such as a SAP S/4HANA Cloud Public Edition system administrator, without involving any other external parties. The overall effort required may vary depending on your technology requirements. On average, we estimate the setup can be completed within 4-8 hours of effort.
Following best practices, we have set up our direct integration for a one-time setup that scales to multiple customers. As new customers are added for financing, you will not require any additional setup.
Yes, your company may have specific requirements in your setup that may require additional steps outside of the best practices.
The teams and people involved in the set-up will depend on your company’s structure. For the set-up you may want to involve a S4 HAHA Public Cloud system administrator, that has IT admin in SAP S/4HANA Cloud Public Edition.
15. How do I activate the direct integration between SAP S/4HANA Cloud Public Edition and Taulia?
16. How can I check that the initial set-up is successful?
Log into your Taulia Network UI account. From the homepage, select Receivables > Invoices. Here, you should see the receivables data that was automatically replicated from the SAP S/4HANA Cloud Public Edition. You can further filter the data by business unit, customer, or document data, as explained in the Viewing Receivables Invoices chapter of the Taulia Help article about Receivables Financing Invoices.
17. How can I test the system before the finance team initiates actual financing?
While it is not required, we provide the ability to set it up in your Quality environment so that you can validate and test how the embedded receivables financing will work through Taulia.
We have designed a set-up that is self-service and we have resources available to guide you as you activate the direct integration. If you need further support to activate the integration, reach out to the SAP S/4HANA Cloud Public Edition support. If you have further questions around the financing or the Taulia platform, reach out to the Taulia support team for further assistance.
19. Where can I find product documentation and implementation guides?
Here are the links to our implementation guides:
What’s new in Taulia Receivables Finance
Product Assistance for Taulia Receivables Finance
Set-up instructions for Taulia Receivables Finance
Test script for Taulia Receivables Finance
Solution process document for Taulia Receivables Finance
Solution process diagram flow for Taulia Receivables Finance
Taulia Receivables Finance structure
20. What type of receivables financing does Taulia offer?
There are many types of receivables programs available in the market. Taulia’s Receivable Finance offering is a receivables purchase solution. That is, your business receives an early payment for customer invoices by selling those invoices to an SPV operated by Taulia. The total amount your company receives for the invoices will be net of any reserves and discounts. Your company receives immediate cash, and Taulia’s SPV receives payments when the invoices are due from your customer (either by payment directly from your customer or we may agree that your customer continues to pay you, and you then transfer those payments to the SPV).
21. Is Taulia’s Receivables Finance offering classified as a loan?
No, it is a non-recourse financing product and, therefore, usually not an additional liability to your company (subject to any approvals from your finance or audit partners that may be required by your company’s policies).
22. What is a Receivables Purchase Agreement?
A Receivables Purchase Agreement is a bilateral financing contract that you will sign with Taulia and its SPV to enable the financing of your customer invoices, as set out in question 21 above.
23. Is there a due-diligence/financing application process required for my company and my customers?
Yes, there is a due diligence process for both your company and your customers. This ensures that we understand your business, the quality of your receivables, and the creditworthiness of your customers. The process is straightforward and designed to give both parties confidence in the arrangement, helping us offer you the most competitive terms while ensuring smooth operations throughout the financing relationship.
24. Once set up, is the financing arrangement disclosed to my customers?
No, the financing arrangement is not typically disclosed to your customers. Our receivables financing solutions are designed to operate seamlessly in the background, ensuring your customer relationships remain unaffected.
25. How does Taulia collect payments due from financed invoices?
We provide a designated bank account, per currency, called a collection account. The collection account is exclusively assigned to your business, and is where you will make financing repayments after your customer has made a payment to your bank account (or, in some cases, we may require your customer to make payment directly to the collection account).
26. How does Taulia calculate the financing fee?
The financing fee, also known as the discounting fee, is deducted from the payment we transfer to you as the purchase price when we purchase your receivables. The fee is based on an annual rate and is determined by the value of the invoices being financed and the length of time the receivables are financed for. The fee amount is transparently outlined on the Taulia platform.
27. Besides the financing fee, are there any additional costs to be aware of?
No, there is no cost for enabling the data flow from your SAP S/4HANA Cloud Public Edition ERP to Taulia.
There is also no cost for using the Taulia platform interface, to execute financing and view financing availability status of invoices.
Yes, you can choose the customers and invoice flow for finance. Whilst all customer invoice data is delivered from your SAP S/4HANA Cloud Public Edition to Taulia, our solution is flexible, enabling you to select customer accounts that you wish to include in the financing arrangement.
29. How does SAP or Taulia separate invoices that are financed through other programs?
Our team of structuring experts will work with the treasury and finance teams at your business to understand customers whose receivables need financing. When financing multiple customers, having the full data set readily available helps to speed up the conversation with different structuring combinations so you can choose a structure that fits your business needs.
We will only advance those receivables that you have discussed with us. If you have existing programs with other financial institutions that you want to maintain, we will not include those receivables in our financing agreements.
30. Once I activate the integration, how do I request financing for an invoice with Taulia?
After activating the integration and upon discussing your options with our structuring team, you would have a good understanding of the receivables that you’d like financed along with the price and associated limits.
Our team will reflect the agreed information in the Taulia platform, and you will be able to select receivables that are eligible for financing. You will be able to view the complete offer inclusive of the payment amount, reserve and discount/financing fee for the selected invoices. After this, you can make the decision to finance, and the Taulia platform will send the request to fund those invoices.
The direct integration will continue to flow invoices into the Taulia platform as frequently as every 15 minutes, giving you the flexibility to select invoices to fund them as frequently as needed.
No, invoices for customers who are part of the receivables financing program will only be available for financing in the Taulia platform.
32. Can I automatically finance all invoices for an eligible customer invoicing flow?
Yes, if your Taulia receivables financing program is elected to be ‘auto-financed,’ this means that when you create an eligible invoice in your SAP S/4HANA Cloud Public Edition ERP, the invoice data is sent to the Taulia platform and will be automatically financed.
33. Where will funds for financed invoices be sent to?
We will send funds to your designated business bank account of your choice.
The AR Accountant’s workflow will involve posting and clearing the pre-payment and the customer payment. This process will follow your existing workflow.
To summarize the key steps:
When a Receivables Financing Document is first created by Taulia in SAP S/4HANA Cloud Public Edition, the status of the document will reflect as “Posted.” At this point, the AR Accountant will not need to do anything.
When a prepayment from Taulia comes through to your bank account, the AR Account will match to the document posted and clear the payment. At this point, the status of the document will change to “Funded.”
Once the customer makes a payment, the AR Accountant will post the incoming payment to the receivables invoice. At this point, the system will update the status of the document to “Completed.”
35. What do the different document statuses in Taulia mean?
A description of the various document statuses is provided in the Viewing Receivables Document Statuses chapter of the Taulia Help article about Receivables Financing Invoices.
36. What do the different account statuses in SAP S/4HANA Cloud Public Edition mean?
A description of the various Receivables Financing Document statuses in S4 Public Cloud is provided in the Status Flow of Receivables Financing Documents and Receivable Items chapter of the SAP Hep Portal Product Assistance guide for Receivables Financing.
SPV - A Special Purpose Vehicle (SPV) is a separate company set up to buy and manage financed receivables and allows the receivables to be sold to Institutional investors who provide the funding.
Reserve - A reserve is a portion (%) of the receivables' value that is held back from funding as a safeguard against risks like payment delays or disputes. Once invoices are paid in full, any remaining reserve may be released to the seller.
Liquidity limits can be used to control the size of your entire dynamic discounting program, by business unit, or by the supplier.
In the Supplier Center you can add new admin user individually or mass upload to already enrolled vendors in the Taulia Portal.
Information on Taulia’s supplier deactivation policy.
In this article, you will find instructions on how to change your suppliers' payment method to Virtual Cards.
This article will explain the most common reasons why an AR Financing invoice may not be in Available status.
Easily upload new invoices to Taulia for AR financing.
Vanessa, Technical Services Manager
