Joint liquidity pool secured by invoices & receivables (SME factoring)
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Private Credit
Interest income + service fee
Yield Source
15-20%
Expected Annual revenue
17-22%
Expected IRR
Including appreciation
$5000
Minimum Investment
Interest income + service fee
Yield Source
15-20%
Expected Annual revenue
17-22%
Expected IRR
Including appreciation
$5000
Minimum Investment
Funds, Family Offices, HNIs, Accredited/Qualified Investors
Qualification Criteria
Funds, Family Offices, HNIs, Accredited/Qualified Investors
Qualification Criteria
Business Model
Portfolio is secured against approved invoices issued to creditworthy counterparties or authorized receivables with a probability of default of less than 0.25%. Each deal undergoes underwriting, debtor verification, and risk assessment processes.
Revenue Source
Discount on invoice face value (factoring margin); Service fees paid by SMEs for early liquidity
Expected APY
15- 20%
Capital Gains Basis
Minimal; primary return is derived from factoring fees and interest income. Risk is mitigated through diversified invoice pools, debtor credit assessment, high-quality counterparty checks and invoice insurance (where applicable).
Investment Value
Each tokenized fraction: USD 5,000; Total Pool Value: USD 50,000 (pooled across multiple SMEs and industries for diversification)
Minimum Investment
1 tokenized fraction
Format of Yield Distribution
Quarterly payouts to investors via platform based on realized collections; Principal recycling until fund maturity (typically 12–24 months)
Liquidity
Subject to availability and minimum lock-in period.
Geography
Global (SME portfolio)
Qualification Criteria
Funds, Family Offices, HNIs, Accredited/Qualified Investors
Details of the Asset
The Invoice Factoring Fund finances working capital needs of vetted SMEs across sectors. Each underlying invoice is carefully selected through a multi-layer verification process including debtor creditworthiness, invoice authenticity, and payment history. Additionally, portfolio is secured against approved invoices issued to creditworthy counterparties or authorized receivables with a probability of default of less than 0.25%. By providing immediate liquidity to SMEs against verified receivables, the fund capitalizes on short-tenure, high-yield financing opportunities typically overlooked by traditional banks. The average tenor of invoices is 60 days, offering quicker recycling of capital. The fund deployment is spread across many small invoices or receivables to different counterparties to diversify risk. The total financing provided is limited to a maximum of 80% of the complete accounts receivable balance. For individual transactions, funding ranges between 50% and 75% of each invoice's total value. With a strong emphasis on risk-adjusted returns and capital preservation, the fund aims to deliver superior fixed-income alternatives compared to traditional credit instruments.
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*Any mentioned annual return percentages represent either historical performance or targets set by investment issuers, not guarantees of future results.
Disclaimer
This platform serves solely as an informational marketplace connecting investors with investment issuers. We do not provide investment advice or broker services. Any materials provided are solely for informational purposes and should not be construed as an offer to sell or the solicitation of an offer to buy, or participate in any investment, nor as intended to provide, and should not be relied on for, investment, tax, financial, accounting, legal, regulatory or compliance advice. Investors must conduct their own due diligence and consult with financial, legal, and tax advisors before investing. Investment opportunities are only available to qualified investors meeting specific criteria. Any mentioned annual return percentages represent either historical performance or targets set by investment issuers, not guarantees of future results. Past performance does not predict future returns. By using this platform, you acknowledge that any investment decisions are made independently at your own risk.
