Invoice financing inside a B2B marketplace
A marketplace already held the repayment data a bank was asking for. We turned it into an underwriting signal and a single button on the invoice screen.
A regional B2B marketplace moved eight figures of order volume every month. Suppliers delivered on Monday and were paid a quarter later. Banks declined those suppliers because the credit file looked thin, while the platform sat on years of orders, delivery notes and on-time repayments.
An underwriting service that scored suppliers from platform history instead of bureau data, a funding partner integration behind it, and a single action on the invoice screen: get paid today.
Disbursement ran on rails the platform already controlled. Repayment was deducted at source from the next settlement cycle, so collections were a ledger entry rather than a phone call.
First live advance in nine weeks from kickoff. Suppliers received cash in hours, the platform earned on money it was already moving, and every credit decision was written to an immutable audit log before a regulator asked for one.