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The Quiet Crisis in Working Capital: Why Utilization Is So Low

SCF is supposed to revolutionize working capital. So why are so many programs underutilized?

• Top Reasons for Low Utilization

• 1. "We don’t need it" syndrome – Some CFOs don’t see SCF as a necessity. Spoiler alert: It is.
• 2. Complexity kills adoption – If onboarding takes longer than watching the entire Game of Thrones series, nobody will use it.
• 3. Supplier skepticism – Many suppliers assume SCF is just another way for buyers to squeeze them.

• Fixing the Problem

• Better education – Suppliers need to understand why SCF benefits them.
• User-friendly platforms – Adoption skyrockets when the process is seamless.
• Alignment with business needs – SCF programs should be tailored to different industries and supplier segments.

SCF isn’t just about having a program—it’s about making sure people actually use it. Fix utilization, and you’ll fix working capital.