Back
Invoice Financing
Unlock immediate liquidity from outstanding invoices
Trade Finance: Invoice Financing Through Tokenization
Tokenize outstanding invoices to access immediate working capital. Investors purchase invoice tokens and receive payment upon invoice settlement, providing businesses with rapid cash flow while offering investors attractive returns.
How Invoice Financing Works
1
Invoice Submission & Verification
Submit outstanding invoices for verification. We validate authenticity, debtor creditworthiness, and payment history.
2
Tokenization & Fractionalization
Convert invoice receivables into tradeable tokens representing fractional invoice ownership on the blockchain.
3
Investor Participation
Investors purchase tokens at a discount. Upon invoice payment, they receive full face value plus interest.
4
Settlement & Distribution
When debtors pay invoices, proceeds are automatically distributed to token holders.
For Businesses
- • Immediate cash access (up to 90% of invoice value)
- • Reduced working capital constraints
- • Competitive alternative to traditional factoring
- • Transparent, on-chain settlement
- • Flexible invoice selection
For Investors
- • Attractive returns (8-15% annual yield)
- • Short-term investments (typically 30-90 days)
- • Lower default risk (backed by invoices)
- • Transparent on-chain tracking
- • Diversified invoice portfolios
Regulatory Compliance
- • Compliant with Central Bank of Nigeria guidelines on invoice financing
- • Requires debtor consent and notification
- • Adheres to FX regulations for cross-border invoices
- • Tax treatment: Interest income taxable to investors
- • Blockchain verification for invoice authenticity