Bulla Finance
Mission
Bulla’s mission is to act as a bridge between traditional and decentralized finance (DeFi), leveraging the Blockchain to enable a faster, more inclusive and transparent financing process for a range of users, including small and medium-sized businesses in need of liquidity and investors seeking yield on stablecoins. Bulla enables this process using its Bulla FactoringV2 protocol.
Core Value Proposition
By creating decentralized liquidity pools and enabling onchain invoice tokenization, Bulla allows businesses to access working capital in minutes rather than weeks, while reducing costs up to 90% compared to traditional factoring solutions.
- Instant Access: Invoice financing in minutes, not days or weeks
- Cost Efficiency: Up to 90% reduction in financing costs and processing fees
- Global Liquidity: 24/7 access to capital through decentralized pools
- Transparency: Immutable records and real-time settlement tracking
- Accessibility: No minimum volumes or complex underwriting requirements
Traditional System Limitations
The global invoice financing market, valued at over $3.5 trillion annually, suffers from systemic inefficiencies that particularly impact small and medium enterprises (SMEs):
Process Complexity
- Multi-week approval processes requiring extensive documentation
- Manual verification and credit assessment procedures
- Complex legal agreements and ongoing compliance requirements
- Geographic limitations and banking relationship dependencies
Cost Structure
- High operational overhead from manual processing
- Credit assessment fees ranging from 2-5% of invoice value
- Administrative costs adding 1-3% to transaction expenses
- Hidden fees for currency conversion and international transactions
Access Barriers
- Minimum volume requirements excluding smaller businesses
- Strict credit requirements favoring established enterprises
- Limited availability in emerging markets and underbanked regions
- Concentration risk from reliance on traditional financial institutions
Market Opportunity
Underserved Segments:
- 85% of SMEs globally lack access to adequate invoice financing
- $2.3 trillion annual financing gap for businesses under $50M revenue
- Emerging markets with limited traditional banking infrastructure
- Cross-border transactions requiring multi-currency settlement
Technology Disruption Potential:
- Blockchain eliminates intermediary inefficiencies
- Smart contracts automate manual processes
- Decentralized liquidity removes geographic constraints
- Tokenization enables fractional and instant settlement
Trusted by industry-leading companies, individuals, and DAOs
From the blog
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Invoice Factoring
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What is Invoice Factoring and How Does it Help Businesses?
Invoice factoring, also known as accounts receivable financing, has been around for centuries. It involves a business selling its accounts receivable to a factoring company at a discounted price in exchange for immediate cash.
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May 1, 2023
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Is the US banking system too risky?
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