Businesses wait
Cash is locked inside accounts receivable while payroll, suppliers and operating expenses continue.
AI-Powered Invoice Finance
Turn unpaid invoices into investable assets.
InvoiceFi analyzes invoices with AI, estimates the probability of payment, and creates a transparent risk profile investors can understand.
Invoice intelligence today. Tokenized invoice markets tomorrow.
✓AI Risk Analysis
✓Real-World Assets
✓Onchain Ready
Invoice Analysis
AI underwriting complete
0%
Payment
Payment Probability
AI estimates a high likelihood of full payment based on payer strength, terms and observed risk signals.
Confidence 96%
Grade A
Payment Probability
92%
Risk Score
A
Expected Payment
29 days
Suggested Advance
€43,875
Potential Investor Yield
8.4% APY
Counterparty
Low Risk
AI Assessment
Strong payer profile, consistent historical payment behavior and low counterparty risk.
Working Capital Gap
Trillions sit trapped in unpaid invoices.
Businesses often wait 30, 60 or 90+ days to receive money they have already earned, while investors struggle to evaluate and access invoice-backed opportunities efficiently.
Investors lack access
Invoice finance has traditionally been difficult for individual and digital investors to access and compare.
Risk is opaque
Understanding whether an invoice will be paid requires fragmented financial, commercial and counterparty information.
InvoiceFi turns an invoice into structured financial intelligence.
How It Works
From invoice to investable opportunity.
A simple workflow converts receivables into standardized risk profiles that can be evaluated by capital providers.
01
Upload
A company submits an unpaid invoice and basic supporting information.
02
Analyze
InvoiceFi evaluates payer quality, payment terms, invoice characteristics and available risk signals.
03
Score
AI produces a standardized investment profile with payment probability, risk and expected return inputs.
04
Finance
Eligible invoices can be presented to investors seeking short-duration real-world yield.
InvoiceFi Intelligence
AI underwriting for every invoice.
Instead of asking investors to interpret invoices, spreadsheets and credit reports manually, InvoiceFi transforms fragmented information into a standardized risk profile.
Risk Engine / INV-1842
v0.9
Payment Probability
92%
Counterparty Risk
Low
Invoice Confidence
96 / 100
Expected Payment
29 days
Historical Payment Behavior
Strong
Liquidity Score
78 / 100
Suggested Advance Rate
90%
Investor Risk Grade
A
AI-generated conclusion
High-confidence invoice with strong counterparty characteristics and predictable repayment behavior.
Signal Layer
What does InvoiceFi analyze?
The risk engine is designed to combine multiple signals into one understandable invoice profile.
Payer Quality
Financial strength and payment reputation of the company responsible for paying the invoice.
Payment History
Historical payment patterns, timing consistency and observed delays.
Invoice Terms
Value, due date, payment conditions, invoice structure and maturity profile.
Counterparty Risk
Signals affecting the probability that the payer fulfills its payment obligation.
Business Signals
Available financial and operational indicators associated with the issuer and payer.
Market Context
Industry and macroeconomic conditions that may affect repayment risk.
Signals and models may evolve as additional data sources become available.
Marketplace Preview
Discover short-duration real-world yield.
Investors can compare invoice opportunities using standardized risk and return metrics.
| Invoice | Industry | Value | Duration | Risk | Expected Yield | Funding |
|---|---|---|---|---|---|---|
| INV-1842 | Industrial | €48,750 | 29 Days | A | 8.4% |
Funding72%
|
| INV-1921 | Logistics | €82,400 | 46 Days | A- | 9.1% |
Funding48%
|
| INV-2014 | Technology | €31,200 | 21 Days | A | 7.8% |
Funding91%
|
| INV-2057 | Wholesale | €126,000 | 58 Days | B+ | 11.3% |
Funding36%
|
The Future
What if every invoice became an onchain asset?
InvoiceFi's long-term vision is to transform validated invoices into programmable real-world assets.
Future Vision
01 Traditional Invoice
02 AI Underwriting
03 Risk Profile
04 Tokenized Invoice
05 Global Capital
Invoice Asset
INV-1842
Tokenized Value
€48,750
Asset Value
€48,750
Maturity
29 Days
Risk Grade
A
Expected Yield
8.4%
Status
Funded
Asset Type
RWA
0x84F2...91AC
Internet Capital Markets
Invoice finance, rebuilt for internet capital markets.
Programmable Ownership
Financial claims can eventually be represented as digital assets with programmable rules.
Transparent Data
Risk metadata can travel with the financial asset and support better decision-making.
Global Liquidity
Digital infrastructure can potentially connect issuers with a broader base of qualified capital.
Composable Finance
Tokenized invoice assets could eventually interact with the wider onchain financial ecosystem.
RWA Data Standard
Every invoice needs a financial identity.
Before an invoice becomes investable or tokenized, investors need standardized data they can compare, understand and price.
Structured intelligence for real-world assets.
InvoiceFi Asset Profile
✓ Verified
AssetCommercial Invoice
Face Value€48,750
Payment Probability92%
AI Confidence96%
Risk GradeA
Expected Duration29 Days
Expected Yield8.4%
LiquidityMedium
Counterparty RiskLow
StatusVerified
Two-Sided Market
Liquidity for businesses. Intelligence for investors.
For Businesses
Get paid sooner.
Turn eligible receivables into working capital rather than waiting weeks or months for payment.
- ✓ Unlock cash flow
- ✓ Reduce working-capital pressure
- ✓ Transparent financing terms
- ✓ AI-powered invoice analysis
For Investors
Access real-world yield.
Evaluate short-duration invoice opportunities using standardized financial intelligence.
- ✓ Real-world asset exposure
- ✓ Clear risk scoring
- ✓ Short-duration opportunities
- ✓ AI-powered underwriting
Illustrative Flow
Follow the money.
A simplified example of how invoice financing could connect a business, investor and payer.
01 / Invoice
Invoice Value
€100,00002 / Advance
Company receives today
€90,00003 / Funding
Investor finances
€90,00004 / Settlement
Payer settles invoice
€100,000Illustrative Return
+€1,850
Estimated Duration
45 days
Illustrative example only. Returns are not guaranteed.
Infrastructure
Intelligence between real-world assets and capital.
Layer 01
Real World
Companies
Invoices
Payments
Counterparties
Layer 02
InvoiceFi
Data Validation
AI Risk Engine
Underwriting
Asset Scoring
Layer 03
Capital
Investors
Liquidity
Tokenization
Onchain Finance
30-90 Days
Typical commercial payment cycles
AI
Risk intelligence
24/7
Digital investment infrastructure
Onchain
Future settlement layer
FAQ
Frequently asked questions.
InvoiceFi is an AI-powered platform designed to analyze unpaid invoices and transform them into structured financing opportunities.
The platform is designed to analyze invoice characteristics, payment terms, payer information and other available risk signals to estimate payment probability and risk.
No. AI-generated risk estimates are probabilistic assessments and cannot guarantee that an invoice will be paid.
No. Tokenization represents the future vision of InvoiceFi and is presented on this website as a potential infrastructure evolution, not as a currently live feature.
The platform is designed around two groups: businesses seeking working capital and investors seeking exposure to invoice-backed real-world assets.
No. InvoiceFi is positioned as financial technology infrastructure for invoice intelligence and financing.
Unlock Working Capital
Unlock the capital trapped inside invoices.
AI-powered invoice intelligence can turn accounts receivable into transparent, financeable real-world assets.
Built for the future of real-world assets.