Press Release
Reverse-auction program processes over US$1.7 billion in supplier financing and extends payment terms while protecting the supply chain
Amsterdam, November, 2025 – Monkey, a Brazilian fintech specialized in working capital and supply chain finance, and Suzano, a global reference in the pulp and paper industry, have been recognized at the Working Capital & Supply Chain Finance Awards 2025 in the category “Best Use of Technology for a Working Capital Project.”
The joint supply finance program uses Monkey’s real-time action-based solution , allowing multiple financial institutions to compete simultaneously to offer the best rates to Suzano’s suppliers. Instead of a traditional single-bank structure, the solution operates as a competitive, fully digital marketplace designed to optimize working capital on an industrial scale.
Over a four-year implementation period (2021–2025), the partnership delivered:
- Over US$1.7 billion in total transaction volume
- 1,600+ suppliers onboarded, with around 60% maintaining
- active participation
- 1 million individual payments processed via automated auctions
- A network of up to 15 financial institutions , with 11 participating consistently
On Monkey’s side, the program was led by Rebeca Ouro Preto , Head of Sales, in close collaboration with Suzano’s teams.
“At the end of the day, what matters most is the impact on the whole value chain,” said Rebeca Ouro Preto, Head of Sales at Monkey . “Suzano gains visibility, predictability, and more efficient working capital, while thousands of suppliers gain more stable cash flow, lower financing costs, and a simpler way to access liquidity. The high activation and retention we’ve seen over the years proves that when you design a program that works for both the buyer and its suppliers, the results are sustainable.”
For Monkey, the award reinforces its vision of using competition and technology to redesign how working capital flows across complex ecosystems.
“These results show how technology can change the rules of the game for working capital,” said Gustavo Muller, CEO at Monkey . “When you combine a large anchor buyer like Suzano with a competitive marketplace of lenders, you unlock liquidity at scale while keeping suppliers at the center. This award is a milestone in our journey and a signal that industrial supply chains can adopt more efficient and inclusive models of financing.”
The program has also proven resilient through different interest-rate cycles and macro environments, helping stabilize access to liquidity for Suzano’s ecosystem of suppliers over time.
"Monkey’s model is fundamentally different: we don’t own SPVs, manage credit exposure, or operate a payment company behind the scenes", said Michel Abranches, Head of Expansion at Monkey. "Our platform is fully agnostic and transparent, connecting corporates directly with a broad network of regulated financial institutions. This keeps technology and funding clearly separated, removes hidden intermediation, and ensures companies access a clean, scalable, and risk-transparent working-capital solution".
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