Empowering digital trade finance
SMEs want to focus on doing business. Important administrative work such as invoicing or accounting needs to be easy and effective. If you are servicing SMEs, Munich Re has a proposal for you: Talaria completely integrates into your solution and processes, and offers your client base of small and medium-sized companies a simple way to optimise their working capital and enhance their cash flow.
Co-create your specific solution suite with us to enable your customers to take out credit insurance and monetise their invoices with just a few clicks. The backbone of our solution is Munich Re’s superior pricing methodology and a scoring engine based on Munich Re’s expertise in data analytics and machine learning.
Embedded finance has recently gone from being a ‘trending topic’ to an essential part of the global financial ecosystem.
Talaria is developing embedded insurance factoring solutions.
Partner with us and we will enable you to offer "invoice-to-cash-solutions" customized to your clients needs and tailored to your strategic goals.
Talaria is a corporate venture of Munich Re that provides B2B2B financial solutions for small and medium-sized enterprises (SMEs) as well as larger enterprises. The company offers a range of products, including TCI, Factoring, and Portfolio Investment, which are aimed at providing SMEs with easy and seamless access to liquidity through receivables-based financing. The business model of Talaria is based on platform partnerships, where SMEs are on the platform of a distribution partner. The company co-creates a fully digital, integrated white-label invoice-to-cash solution that meets the most urgent needs of SMEs. Talaria uses a risk engine that combines real-time data on payment behavior, machine learning approaches, and expertise in risk management to provide a risk-intelligent pricing solution.
The innovative core of Talaria is its seamlessly embedded, convenient, customer-centric, fully automated, and risk-intelligent design. This creates a win-win-win situation for customers, distribution partners, and Talaria. Customers benefit from easy and seamless access to liquidity, while distribution partners gain access to an additional financing offering, increased stickiness, and the ability to tap into additional revenue potential. Talaria focuses on its core capabilities, such as regulatory compliance, risk, funding, and operations, and has smooth access to the existing SME customer base.
Your benefits at a glance
Through receivables financing Talaria provides SMEs in their B2B business a relatively quick source of cashflow.
SMEs are currently underserved by financial institutions. Most trade credit insurance and factoring offerings are designed for either retail or larger enterprises. Often the solutions are too complex, not modular enough and require a lot of explanation.
However, the need is great: SMEs rarely have a sufficiently solid capital base and stable working capital flow. Even if many invoices have been issued and the order books are full, they can quickly run into financial difficulties.
On the other hand, providers of attractive financial solutions for SMEs also face challenges. They have to evaluate the associated risk precisely and must be highly experienced in processing important information for valid decisions.
Let‘s develop together and benefit from customer satisfaction
The backbone of Talaria is based on three pillars: Customer-centric product innovation, best-in-class risk scoring and modelling, and a highly efficient sales process. We will work with you to develop an agile, convenient and smart product that is fully tailored to your customers' needs.
Our partners have access to a large number of SMEs and share clients' transaction data with us for risk-based analysis of their invoices. In return, Munich Re not only provides working capital based on outstanding invoices, but also offers forecasts and assesses clients' creditworthiness.