Efficient Finance (EF) is a global, multi-bank, supply-chain finance provider serving a substantial and diversified client base that includes corporations, financial institutions, and SMEs. EF offers a patent-protected platform that connects financial institutions and businesses with the aim of making better use of working capital and enhancing the buyer-supplier trade relationship. EF.biz uses real-time financial indicators that increase business transparency to mitigate investor risk. The solution allows more affordable working capital financing to SMEs to support their growth, while removing their geographical presence dependency on banks.