© 2026 ETR Digital Ltd.

Former Global Head of Trade Finance at BNY Mellon, board member of the Chartered Institute of Export & International Trade, former member of the International Chamber of Commerce Banking Exco.

Former MD at CMC Markets, Head of Application Builds at Arqit, Advisor to Cobrief

Former Head of Transaction Banking Solutions at Lloyds, ICC Digital Task Force member, Partner at T3i
Digitalisation improves liquidity by enabling companies to extend payables while allowing suppliers to access early payment at a discount. This has an immediate positive impact on their cash conversion cycle and more importantly their bottom line. Yet it is astonishingly simple….
Corporate treasury teams are rapidly recognising the flexibility, scalability, and efficiency of ETR Working Capital Notes TM service compared to traditional SCF solutions, helping businesses manage borrowing costs and expand financing across the supply chain.
By using ETR Digital’s easy to adopt WCN service, Corporates can benefit from a reduction in transaction costs of up to 80%, streamlined processes, and increased participation from Financial Institutions, who see the benefits of having an instrument that is negotiable and where the financing risk is linked solely to the issuer.
Additionally, ETR Digital aligns with evolving regulatory frameworks and supports sustainability goals by cutting paper usage. The inherent auditability of WCNs and their enhanced security also reduces fraud risks and borrowing costs.
Businesses utilising ETR Digital’s services achieve lower costs, enhanced security, and better access to liquidity, making WCNs a vital tool for the future of global trade and supply chain resilience, and a key differentiator in bottom line contribution.