Supply Chain Finance · Release 1 — Reverse Factoring
Approved payables, financed in days — not quarters.
INVOX lets anchor buyers extend payment terms while suppliers get paid early, funded by banks and DFIs, with maker-checker approvals and a full audit trail on every transaction.
Built for every side of the transaction
One programme, aligned incentives for everyone who touches an invoice
< 1 sec
to generate a priced early-payment offer once an invoice is approved
2 days
typical time from supplier acceptance to funds landing
100%
of financial actions require a second, independent sign-off
Two sides. One system. No guesswork about who does what.
The buyer owns
The relationship and the terms
- Payment terms
- Supplier relationships
- Invoice approval
- Programme design
INVOX secures
The cash flow and the controls
- Early payment pricing
- Funding allocation
- Compliance screening
- The audit trail
The problem
Sixty days on paper. Ninety in practice.
Standard payment terms already stretch supplier cash flow thin. When a buyer needs more room, that pressure lands on the supplier first, and often on the relationship next.
The reframe
This is not a loan. It is an asset you already have.
An approved invoice is already money owed to the supplier, just not yet due. INVOX lets a funder buy that certainty at a discount today.
The outcome
Once trust is established, the friction disappears.
Every approval, price, and payment follows the same rules every time, so financing an invoice becomes as routine as approving one.
The reverse factoring loop
From approval to payment, in one continuous flow.
Every stage is visible to both sides. No one is left waiting on a phone call to know where an invoice stands.
Buyer approves the invoice
The anchor confirms the invoice is valid and payable, triggering everything that follows.
An offer generates instantly
Pricing, fees, and net proceeds are calculated and shown to the supplier when approval lands.
Supplier accepts, funds move
A participating funder settles the net proceeds, often within hours of acceptance.
Buyer settles at maturity
The original due date does not change. The buyer pays once, on schedule, to the funder.
Built for three sides of one transaction
Who INVOX is for
Anchor buyers
Strengthen supplier relationships while extending your own payment terms. INVOX plugs into your existing approvals process.
Suppliers
Turn buyer-approved invoices into cash in days, at a fraction of overdraft cost. Every offer is optional.
Funders
Deploy capital into short-duration, self-liquidating trade assets backed by buyer-approved invoices.
Built for institutions
Every object in INVOX answers who, how much, what stage, and who signed off.
- ✓
Maker-checker approvals
No single user can move money alone. Every payment, disbursement, and KYC decision requires a second sign-off.
- ✓
KYC/KYB & sanctions screening
Every counterparty is screened before onboarding completes. A match blocks activation until compliance clears it.
- ✓
Immutable audit trail
Every state change, including who, what, and when, is recorded permanently and available to auditors.
Built for the market we serve
Designed around West African trade, from day one.
Invoices are priced and settled in GHS by default, with onboarding checks built around locally available registries and ID formats.
Disbursements and collections run over local banking rails, not through a foreign intermediary that adds days and fees back into a process built to remove them.
Ready to shorten your payables cycle?
INVOX is currently onboarding anchor corporates and funding partners for Release 1.
For anchor corporates, funders, and suppliers invited by an anchor already on the platform.