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Crowdfactoring platform — a great tool to give an extra boost to growing businesses

Finyoz Deutschland

Finyoz logo

The Finyoz invoice trading platform serves as Europe’s centralized marketplace for invoices.

Established by Fintech42 in Austria and launched in Germany in May 2024, the platform was designed to allow companies to sell short-term, debt-securitized invoices for delivered products or services via a marketplace. These invoices are funded by private and institutional investors, with investment durations ranging from 14 to 90 days.

This invoice financing platform developed by ZWEBB Fintech offers a seamless, safe and automated user experience, tailored to meet the specific needs and requirements of our partner. It integrates features such as an EU-regulated multi-currency payment solution (Currency Cloud), fully automated daily pricing, and instant user onboarding process to name a few.


Rawbank DR Congo

RAWBANK is the largest commercial bank operating in the Democratic Republic of the Congo.

Being committed to providing best-in-class financial services through both traditional distribution channels and innovative digital channels, Rawbank gives clients access to the most modern techniques, services, and products of the banking and financial sectors.

Their newest offer is automated Reverse Factoring and Invoice Trading Platform, using ZWEBB’s latest cloud-based SaaS solution.

The platform is mainly used for supply chain financing of Small Business Owners in DR Congo on the behalf of large international corporations. This solution improves business efficiency for buyers and sellers and optimizes their working capital.

ZWEBB Fintech offers a highly-customizable software for invoice trading that will automate and streamline all your manual processes and save your resources.

By making ZWEBB Fintech your tech partner, your invoice trading marketplace will stand out from your competitors and shape the financial world of the future. Our high-tech solution will simplify the entire invoice financing process and ensure that all parties enjoy a smooth workflow.

The invoice trading offers the following benefits:

  • SME improved financing and cash flow
  • Fast working capital injection
  • Supply chain financing/invoice financing
  • No collateral asset
  • Confidentiality & security
  • Short time to market (TTM)
Crowdfactoring platform


What is Invoice Trading?

Invoice trading, also called crowdfactoring, receivables trading, and SME invoice financing, is a new alternative to traditional bank products related to standard factoring and receivables financing. It is a type of peer-to-peer (P2P) lending which allows businesses to sell unpaid invoices (accounts receivable) to a pool of private investors.

On the digital invoice trading platform, multiple investors finance an invoice by each buying a part of the invoice at a discount. Unlike some other types of peer-to-peer lending where the investment is often unsecured, invoice trading has the advantage of having the invoice as a guarantee which drastically minimizes the risks.

Investments in this area are currently gaining great significance because investing in accounts receivable leads to better control over cash and working capital for both borrowers and investors. Not to mention that a shift to long-duration issuance in the corporate bond market has limited the supply of high-quality, short-term investment products.


Invoice Trading (Crowdfactoring) advantages

Invoice trading is a flexible and promising financial liquidity management method which is especially useful for small and medium-sized enterprises (SMEs). It has an abundance of benefits for both borrowers and investors.

Borrowers can access finance quickly, improve their working capital and free up cash that can be further used to improve their short-term liquidity, pay expenses, or make new investments. When it comes to investing in invoices, investors obtain new short-term investment instruments, with low risk and good returns and are able to diversify risk across their investment portfolio.


Crowdfactoring Platform characteristics

Crowdfactoring platform developed by ZWEBB Fintech is characterized by the utmost performance, top-notch design, and stellar user experience. It has the ability to expedite financial administration processes that could take days, weeks, or even months. The interface is visually intuitive and highly structured — all parties benefit from automated processes and a smooth workflow.

Our cloud-based Crowdfactoring platform is a marketplace, where investors can invest in invoices and accounts receivables from any available location, national or international, matching their desired investor profile. Suppliers can finance their receivables more easily and at a lower interest rate than what would normally be offered by their bank or traditional factor.


Are you looking for a white label Crowdfactoring platform for your target market?

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