How it Works

 
 
 

What it is:

A financing facility that converts outstanding customer invoices into immediate cash.

How it works:

You sell approved receivables to InvoPay Capital at a small discount. We advance up to 70% of each invoice’s value within 24–48 hours and collect payment directly from your customers on the invoice due date. The remaining balance (minus our fee) is released once the customer settles.

Benefits:

  • Accelerated cash flow: Eliminate 30–90-day payment waits.
  • Off-balance-sheet funding: Preserve borrowing capacity on your bank lines.
  • Credit management support: We conduct credit checks and collections, freeing you to focus on sales.
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What it is:

Irrevocable undertakings issued on your behalf to guarantee performance of contractual or tender obligations.

Key products:

  • Bid Bonds/Tender Guarantees: Meet pre-qualification requirements when bidding for projects.
  • Performance Bonds: Guarantee faithful performance of contracts once awarded.
  • Advance Payment Bonds: Secure refund of any upfront payments in the event of non-delivery.

How it works:

InvoPay Capital assesses your project, issues the guarantee in favor of your client or procuring entity, and handles claim-management processes as needed.

Benefits:

Low collateral requirements: We structure bonds against receivables or inventory.
Fast turnaround: Same-day issuance for most tenders.
Competitive pricing: Tailored fees based on your risk profile, not one-size-fits-all markups.

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What it is:

A suite of insurance solutions designed to protect receivables and performance-related risks.

Offerings include:

  • Trade Credit Insurance: Shield sales ledger against customer defaults.
  • Performance Insurance: Cover liabilities arising from contract non-performance.
  • Political Risk Insurance: Guard export transactions against country-level disruptions.

How it works:

We partner with top underwriters to structure policies that mirror your invoicing and project flows ensuring premiums align with your revenue patterns.

Benefits:

  • Enhanced bankability: Use insured receivables as collateral for further financing.
  • Risk transfer: Offload bad-debt and performance-failure exposure to the insurer.
  • Margin protection: Safeguard profitability when expanding into new markets or customers.
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