Trade receivables finance Nigeria · Kenya · Ghana

Working capital against unpaid invoices

Ninety days of waiting, advanced in twenty-four hours.

Invoxlyy advances up to 90% of the value of your unpaid trade invoices. Your business runs on the work you have already delivered — not on your customer's payment calendar.

Apply for a facility How the facility works

No collateral. No personal guarantee. We underwrite the customer who owes you, not your balance sheet — so checking eligibility costs nothing and changes nothing about your credit standing.

Invoice INV-0942 Advanced

Face value

₦4,850,000

Customer: Lagos Retail Group
Terms: 90 days net
Advance rate: 90%
Advanced to you: ₦4,365,000
Time to funding: 19 hrs

Figures shown are illustrative

Built for businesses supplying

Supermarket & pharmacy chains
Manufacturers
Distributors
Logistics operators
Public-sector contracts

The gap

You deliver in March. You are paid in June. Your suppliers do not wait.

A distributor supplying a supermarket chain pays for stock, transport and wages in week one. The invoice settles in week thirteen. Nothing in that gap reflects the health of the business — it is simply the terms.

It is also why profitable companies run out of money. Every new order widens the distance between cash out and cash in, so growth becomes the thing that puts you under. Invoice finance closes that distance without adding debt to your balance sheet.

The process

Four steps, and the first advance usually lands the same week.

Step 01

Submit the invoice

Upload the invoice and matching purchase order or delivery note. Single invoices are fine — you do not have to commit your whole receivables book.

Step 02

We verify the payer

Underwriting looks at your customer's settlement history rather than your balance sheet, which is why young businesses with strong customers still qualify.

Step 03

Funds are advanced

Up to 90% of face value, paid to your business account in naira, shillings, cedis or dollars, typically within 24 hours of approval.

Step 04

Your customer settles

They pay on their usual terms, to the account they already use. We release the remaining balance to you, less one flat fee.

The facility

Every invoice, every advance, every settlement in one ledger.

Once a facility is approved you draw against new invoices as they are raised. No fresh application, no renegotiation, no waiting on a credit committee each time.

Receivables ledger — illustrative
Invoice	Customer	Face value	Advanced	Status
INV-0942	Lagos Retail Group	₦4,850,000	₦4,365,000	Advanced
INV-0938	Kano Mills Ltd	₦1,720,000	₦1,548,000	Advanced
INV-0931	Accra Freight Co.	₦9,400,000	—	In review
INV-0917	Ikeja Pharma Dist.	₦2,310,000	₦2,079,000	Settled
INV-0905	Nairobi Foods Plc	₦6,120,000	₦5,508,000	Settled

Facility utilisation

₦12.6m drawn ₦20.0m limit

Available now: ₦7,400,000
In review: ₦9,400,000
Avg. funding time: 21 hrs
Currencies: NGN KES GHS USD

Pricing

One flat fee. Nothing compounding, nothing hidden.

You are charged for the time the invoice is actually outstanding. If your customer pays early, you pay less — automatically, without asking.

Advance rate: Up to 90% of face value
Fee: From 2.5% per 30 days outstanding
Arrangement fee: None
Facility minimum: ₦500,000 per invoice
Early settlement: Pro-rated automatically
Collection follow-up: Handled by Invoxlyy

Who it is for

Businesses whose customers are good for the money — eventually.

Distributors & wholesalers

Supplying supermarket chains, pharmacies and open-market retailers on 30 to 90 day terms while restocking every week.

Manufacturers & processors

Carrying raw material and energy costs up front while finished goods sit inside a customer's payment cycle.

Contractors & service firms

Delivering against enterprise and public-sector contracts where certification and approval add months to settlement.

Questions

What businesses ask us first.

Do you assess my company's credit, or my customer's?

Your customer's. The advance is secured by the receivable itself, so what matters is whether the business that owes you has a record of paying. This is why companies that cannot get a bank facility on their own balance sheet are often approved here within a day.

What happens if my customer pays late?

We follow up on collection as part of the facility, and the fee continues to accrue at the same flat rate for the period the invoice remains outstanding. There is no penalty rate and no compounding. If a customer consistently pays late we will tell you, because it affects what we can advance next time.

Which invoices qualify?

Business-to-business invoices for goods or services already delivered, with a face value from ₦500,000, payable within 120 days, and supported by a purchase order, delivery note or signed acceptance. We do not finance consumer invoices, pro-forma invoices or work not yet completed.

Does my customer find out?

We verify the invoice directly with them, so they know it has been financed. Settlement itself does not change: they pay the same account, on the same terms, at the same time. In practice this is routine for large buyers, most of whom deal with financed receivables regularly.

How long does the first facility take?

Most first applications are decided within one working day once we have your registration documents, six months of bank statements and the invoice you want to finance. After that, drawing against a new invoice is typically same-day.

Is this a loan?

No. You are selling the right to receive payment on an invoice you have already earned, at a discount. There is no term debt on your balance sheet, no collateral charge over your assets and no personal guarantee from directors.

Apply

You are already lending to your customers. We think you should stop.

Send us one invoice and your last six months of statements. We will tell you what we can advance, what it costs, and how quickly it lands — before you commit to anything.

Apply for a facility