Small and medium-sized enterprises that urge for financial support, represent 0.1% of gross domestic product (GDP) on average, totaling USD 72 trillion worldwide. In recent years the percentage of requests for financing have decreased by 1.2%. The average interest rate in high-income countries is 1.5% worldwide. For developed countries the rates are from -0.1% to 3.1%. In China 4.5%, Russia 2.5%, India more than 3.5% and greater than 11.7% for Latin American countries. The 40% of the financing is locate in emerging countries. In Mexico, financing represents 0.001% of GDP, with a rate higher than 11%. These data show us that countries that focus their efforts on economic development focus on supporting small and medium-sized companies. If in this study model, the trade balance and debt of each nation are integrate, the growth and sustainability metric will show, that Germany is the best country on this topic. However, long-term interdependence with other world markets can substantially modify the results of internal and external nation market. For this reason, the proposal is; to execute the progressive and the disruptive flow model “Newance”, describe in previous articles.

The study establishes the symbiotic model between the technology and the financial elements. These elements are the main columns of the company, for the value added generation and the permanence in the supply chain. Both enter into an associated elastic coordination for the company dynamics. One does not live without the other one. For example, without a production process, there are no products, and without money, are no collaborators to run production. Therefore, it was set two maps to define the company model call “Technance©”.
One map responsible for technology, digitization, machinery, innovation and definition of production flows and processes. The second map responds to corporate strategies, performance metrics, indicators, administrative processes, human resources and money flow, among other key elements.
Both maps are link through the fundamentals of added value, technology and finance variables using interaction matrix nodes, formalizing the business master model called “Technance ©”.

The topic of Smart Business Technology has been fundamentally described in previous articles. The Divirtualigente Enterprise Finance model, is a model focused on the company financial system. It is built with elements according to their variables, characteristics and merits, which are classify them according to their importance. Example: The administration of receipt documents for maintenance warehouse incoming and outgoing parts, have a different degree of importance than the accounts receivable. The cash flow variable, for payroll, has a higher priority category than the previous two. However, all the variables are essential for good business management. It is an inclusive, dynamic and elastic system that requires a lot of supervision and control.
The following infographic shows, in a general way, the variables, characteristics and merits for the financial area of the company.

Continuing with the company financial model study, the information states that the company keeps, is not in real time. For example, the money flow status at a certain time is never up to date. It means, if you want to know, the liquidity level for the working capital indicator, to define a key company strategy, it is necessary to wait a certain time to obtain and integrate all the data. Collect data, update information in the ERP system, and wait for the results. These results may not be as reliable for making critical business decisions.
Now, if you want to know the product, marginal utility given, at the time of production, through OEE -Overall Equipment Effectiveness- it is more than impossible. How do we know that this product is not losing money, impacting the average profit of the company? But even more complex; a client desired to increase production requirements. The first idea and best option, is investing in new machinery to cover incremental production, purchasing the necessary equipment via financing support.
This is a typical case study of success in the application of the Divirtualigente Technance © model. Usually, the corporate decision execute the project, based on taking data from the variables of: production capacities, customer volume requirement, machinery cost, labor cost, materials, purchase of equipment, and other items.
With this information, the sale price, investments, financing, interest rate, risk percentage, ROI, profit and voila, project in progress are calculate. However, the Divirtualigente Technance © model has proven the opposite. In most cases, a discrepancy is observe between the real-time source data and the data manually obtained. One of these discrepancies corresponds to the actual used capacity against the calculated manually recorded.
The difference was more than 27 percentage points. Enough to not make a purchase of additional machinery. A savings or loss of investment that would have been ruinous for the company but happens.
The Divirtualigente Technance © system also provides instant cash flow analysis with real-time source data. It even evaluates value-added processes and their impacts on the company's technological and administrative results.
In addition, it constantly visualizes the financial situation of the company, to observe the results and make the necessary corrections immediately in case of deviations. Seeks the company utility and continuity in short, medium and long term. It helps to establish the most important mechanisms in financial decisions such as: bonds, loans, private banking, IPOs, Venture Capital, among other options. Generates sufficient solid information to supply the necessary documentation to carry out the financing procedures, if this was the case. You can even determine a self-financing model according to market conditions and corporate strategies.
The most important thing about the Divirtualigente Technance © system, is the ability to perform an integration of several nodes with many variables Technological and Financial of the company. All by using source data, real-time information, analytics, algorithms, high-speed processing systems, artificial intelligence and disruptive businesses, for the company benefit. It is the new era of future and disruptive business.

Author: Octavio Fernández, President Mexican Association I4.0, ofernandez@admexus.com