[trs80]

Exactly. From the article, "Frees up cash flow" simply means frees up funds for company use that would otherwise have been given to the suppliers. What happens when that money gets invested and returns are not made within the year pay back the suppliers? They are playing a dangerous game.

[TAForObvReasons]

It's very clearly "heads I win, tails you lose", and I wouldn't be surprised if the individual contracts were structured to leave no liability to JAB Holding in case they decide to default.