After delivery or service completion
Invoice Finance may help a Business access working capital against an eligible issued and unpaid B2B invoice. Each application is reviewed before Final Pricing, Marketplace funding, transfer to the verified bank account, Buyer Payment, and Investor Settlement.
Application, verification, Final Pricing, Marketplace listing, funding, Buyer Payment, and settlement each depend on eligibility, complete documents, review, agreements, availability, and the accepted terms.
Potential fit
Documents to prepare
Key product facts
Build the invoice in your IXF account, add at least one line item, and provide the relevant Business and buyer information.
Use an invoice that has already been issued, then provide its commercial context and the documents requested for review.
Eligibility and approval depend on review. The Business must accept the current Final Pricing offer before an opportunity can be listed.
Verification does not make the application risk-free. Buyer-payment delays, disputes, shortfalls, or defaults may affect timing and Investor Settlement.
Your financing journey
Each step is separate. Completing one does not guarantee the next.
Create the invoice in IXF or upload an existing issued invoice for financing.
Provide buyer context, proof of delivery or service, KYB, bank details, and other requested documents.
IXF reviews eligibility, documents, buyer context, risk, and any required clarifications.
IXF issues the reviewed financing offer for the Business to consider.
The Business may accept, decline, or request clarification on the current offer.
After Final Pricing is accepted and checks are complete, an eligible opportunity may be listed for Investors to review.
Eligible Investors allocate against the Marketplace Funding Target.
Funds are sent to the verified Business bank account when the applicable funding conditions are met.
Track confirmed Buyer payment progress and any delay, dispute, default, or shortfall.
Investor settlement is completed in line with the applicable terms after Buyer Payment.
Pricing and risk
An estimate is not Final Pricing. The Business can review the financing amount, rate, fees, tax information, funding target, payment expectations, and offer validity before accepting or declining. After acceptance and the required checks, an eligible opportunity may be listed on the Marketplace.
Understand the pricing frameworkInvoice Finance FAQ
Create Invoice in IXF when you want to build the invoice in the platform. Use Upload Existing Invoice for Financing when the invoice has already been issued.
One line item may be sufficient. Add more only when they are needed to describe the delivered goods or completed services accurately.
No. IXF reviews the invoice, Business, buyer, documents, concentration, policy, agreements, and current availability before making a financing decision.
The issued Final Pricing offer shows the reviewed figures. The Business must accept it before an eligible opportunity can be listed on the Marketplace.
No. Listing and funding are separate stages, and funding may remain partial or unavailable.
A delay, dispute, default, or shortfall can affect payment timing and Investor Settlement.
Ready to prepare?