Why invest in invoice trading?
Liquid
Invoices are on average outstanding for <65 days which offers a short duration investment product to investors. Investors have the flexibility to increase or decrease the size of their investment as and when they like.
Diversified portfolio
Pick and choose your investments as an investor. Build a diversified book of multiple outstanding invoices across a range of sectors and industries via fractional funding.
Yield
Returns are risk-adjusted and backed by additional security in the form of a trade receivable.
Risk management
We use thousands of data points to build our state-of-the-art risk model.
What InvoiceInterchange can offer you
Invoice trading
At InvoiceInterchange, we offer investors a smart way to grow their capital by funding verified business invoices. Your investment helps SMEs access faster cash flow, while you earn attractive, short-term returns backed by real receivables. It’s a secure, flexible opportunity to support businesses and generate predictable income..
Personalised service
Dedicated account manager who cares and will always have you front of mind.
Auto-deploy
Set parameters of your choice to deploy capital.
Experience
We combine the best of two worlds: the experience from working in the banks with the tech-powered fresh thinking of a start-up.
Tech-powered
Our purpose-built platform allows you to invest and track your investment portfolio from anywhere in the world.
Profile of our invoices
- Invoices are issued to larger credit worthy debtors
- Invoices are legally assigned to the financier
- Passes our stringent credit assessment process
- No material legal proceedings
- Directors’ credit scores meet our requirements
Apply to become an investor
What is invoice trading
invoice trading allows you to purchase unpaid invoices from businesses and earn returns as customers pay. It provides short-term, predictable income backed by real receivables, diversifies investment portfolios, and supports SMEs by unlocking their cash flow, creating a mutually beneficial funding solution.
How invoice finance help businesses?
Invoice finance helps businesses access cash tied up in unpaid invoices, improving cash flow and enabling timely payments for operations, suppliers, or growth initiatives. It reduces reliance on traditional loans, supports business stability, and allows companies to scale efficiently while maintaining control over customer relationships and working capital.
Disclosed vs confidential facility
A disclosed facility means customers pay the financier directly, offering clearer control and visibility of repayments. A confidential facility keeps the arrangement private, maintaining the business’s customer relationships but requiring greater trust in the company’s collection process and increasing monitoring to ensure timely repayment of funded invoices.
What are the typical verification processes?
Typical verification processes include confirming invoice authenticity, validating the debtor’s creditworthiness, ensuring the goods or services were delivered, and checking for duplicate or disputed invoices. These steps minimise risk, provide assurance of repayment, and help investors make informed decisions before funding a business’s receivables.
What are the risks associated to invoice trading
Invoice trading carries risks such as late or non-payment by debtors, inaccurate invoice verification, and business insolvency. Market fluctuations and economic downturns can impact repayment rates. Proper due diligence, diversification, and monitoring of funded invoices are essential to manage these risks and protect returns.
What happened in an event of default
Under a recourse facility, if the debtor fails to pay, the business is obligated to repurchase the invoice. This provides added security for investors, ensuring repayment while reducing exposure to default risk and offering greater confidence when funding a business’s receivables. Read more.