Joint liquidity pool secured by invoices & receivables
Experience the future of investing with rootMoney
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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Disclaimer
Root.Money is operated by a Singapore-based entity, specializing in the tokenization of listed assets through our proprietary technology. We facilitate the offering of tokenized assets to investors, promoting trust and transparency. While we strive to offer investment opportunities that align with investor interests, Root.Money does not provide investment advice or recommend specific strategies. root.money is not a registered investment adviser or registered broker-dealer. We merely present available opportunities, and investors are encouraged to conduct their own research into the asset issuer's claims, legal structure, and associated risks. Root.Money, its parent company, and affiliated entities do not accept responsibility for any claims made by the asset issuer.
Root.Money, or its parent company, does not hold client funds. The underlying assets are always held in custody by the asset issuer, and any funds are directly transferred to the asset issuer.
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We make reasonable efforts to conduct due diligence on both the asset issuer and the assets before presenting these investment opportunities to potential investors. However, Root.Money, its parent company, and affiliated brands do not assume any legal liability or obligations regarding the returns, gains, or the legal structure of the asset issuer's company.
Investment opportunities are only available to qualified investors meeting specific criteria. The products and/or services described on this website may not be made available to you depending on, amongst others, your jurisdiction of residence and you meeting certain eligibility requirements as determined in the respective sole discretion of the relevant entity making available the desired product or service.
*All return percentages are indicative only — based on past performance or expectations. They are not guaranteed and do not constitute a promise of future performance.
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