2025年土耳其B2B支付实践趋势

B2B paymentpractices trends In this report About the Atradius the Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets across theworld. our survey gives you the opportunity to hear directly from businessestrading on credit with B2B customers about how they are coping withevolving trends in customer payment behaviour. Staying informedabout these trends is vital because it helps to identify emerging shifts in Businesses operating in – or planning to enter – the markets andindustries covered by our survey can gain valuable insights from ourreports, which also shed light on the challenges and risks companies this report presents the survey results forTürkiye. the survey was conducted between the end of Q1 and mid- Q2 2025.Survey findings should therefore be viewed with this in mind. B2B paymentpractices trends rise in payment delays sparks switchto strategic credit risk management A growing number of companies in türkiye, particularly in the chemicalssector, report that customer payment behaviour has deteriorated ratherthan improved in recent months. this concerning trend is highlighted bylate payments now affecting an average 61% of all B2B invoices, anincrease on the previous year. Bad debts have doubled, now impacting 73% of businesses across industries in türkiye have increased theirtrade credit offerings in a strategic effort to protect market share in ahighly competitive environment and support business customers facingliquidity constraints. the trend is particularly notable in the steel and our survey finds that surface-level stability in days Sales outstanding(dSo) hides an underlying financial stress and elevated payment riskarising from B2B trade on credit. Compounding the existing pressureson working capital, half of suppliers in türkiye report inventory build-up. to mitigate rising customer payment risks, 60% of companies in türkiyetell us they outsource management of the issue to an insurer.Businesses say this makes them better positioned to maintain customerrelationships and sales continuity, despite mounting payment delays, Key figures and charts on the next page Key figures and charts Türkiye Türkiye % of the total value of B2B invoices paid on time, What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple responses) Customer’s liquidity issues Source: Atradius Payment Practices Barometer Türkiye –2025 Türkiye Türkiye % of respondents reporting changes in days Salesoutstanding (dSo)* over the past 12 months What are the main sources of financing that yourcompany used during the past 12 months? 78% Trade credit35% Bank loans26% Internal funds(% of respondents - multiple response) (% of respondents) Looking ahead Widespread concern over rising insolvency riskand deteriorating dSo nearly one third of companies across industries in türkiye are bracingfor a rise in B2B customer insolvencies during the coming months.the rest of the businesses are divided, with some expectinginsolvency levels to remain at the current levels, while others are this widespread mood of uncertainty found in our survey iscompounded by expectations of a negative trend in days Salesoutstanding (dSo), with companies facing longer wait times for cashinflows. As a result, working capital is likely to be increasingly tied upin receivables and unable to be quickly freed up for operational All these challenges are compounded by muted expectations aroundprofitability, creating a tough environment where cash flow remainsstrained and operational flexibility is limited. to manage these issues,companies are turning to strategies like slowing down payments to many companies tell us they are concerned about the currentunpredictable economic outlook, and anticipate further challengessuch as rising production input costs, tightening regulations, and thegrowing importance of sustainability practices. these factors are Key industry insights Agri-food Half of the B2B sales in the agri-food sector are currently beingtransacted on credit, while 71% of firms report increased trade creditofferings to support sales and maintain customer relationships. tooffset the consequent greater exposure to customer payment risksmost have kept payment terms steady, typically capping them at 30 While some firms report unchanged inventory levels, others haveseen stock levels rise and thus tie up liquidity. dPo remains steady,although many companies have delayed payments to suppliers in aneffort to avoid liquidity bottlenecks. Supplier credit has become a vitalsource of finance for them. most businesses are turning to outsourcedpayment risk management strategies, including insurance. 34% of Türkiye - Agri-food top 5 challenges companies face when offering credit to B2B customers Managing volatility of finacing costs Balancing customer terms with financial health protection Late payments Türkiye - Agri-food Key industry fi