Turn your invoices into cash flow, simply.
InvoKap helps businesses assign eligible B2B invoices and receive funding quickly, without waiting for customer payment terms.
Professional investors: access selected B2B invoice financing opportunities eligible for a contractual repayment of 100% of the financed capital.
A B2B marketplace connecting sellers and professional investors
Invokap is an online marketplace operated by INVOKAP LIMITED: businesses needing cash flow assign eligible unpaid invoices; professional and corporate investors with surplus liquidity fund verified B2B trade receivables covered by contractual repayment of 100% of the financed capital.
For sellers — businesses and SMEs
Sell eligible B2B invoices, receive an assignment offer and get paid within 24–48h after approval. Digital alternative to factoring, no volume commitment.
For professional investors — companies only
Fund short-term transactions backed by verified B2B trade receivables with contractual repayment of 100% of the financed capital, invoice by invoice. Reserved for companies, family offices and approved structures — not retail individuals.
INVOKAP LIMITED remains the legal purchaser of assigned receivables. Investors fund the transaction via Invokap.
Two paths on one platform
Are you a business?
Submit eligible B2B invoices and receive a structured assignment offer via InvoKap, with INVOKAP LIMITED as the legal purchaser, to accelerate your cash flow.
Sell an invoiceAre you a professional investor?
Fund transactions backed by verified trade receivables, within a structured contractual framework operated by Invokap.
Explore the investor areaInvestors fund transactions via Invokap. INVOKAP LIMITED acts as the legal purchaser of assigned receivables.
Eligible countries for sellers
Invokap reviews B2B trade invoices from selected European and North American markets. Eligibility depends on the seller's country, debtor's country, applicable law, invoice documentation and compliance checks.
Invokap is operated by INVOKAP LIMITED.
United Kingdom
United States
Canada
Belgium
Denmark
Lithuania
Ireland
France
Netherlands
Luxembourg
Spain
Portugal
Sweden
Finland
Estonia
Latvia
Germany
Italy
Austria
Generally eligible
- Non-overdue B2B invoices
- Minimum amount of €5,000
- Clearly identifiable private-sector debtor
- Goods or services delivered
- Non-disputed receivable
- Supporting documents available
- Receivable retained after INVOKAP LIMITED risk review
- Debtor in an accepted country
Not accepted
- Invoices to public-sector debtors
- Deposit invoices
- Intercompany invoices
- Overdue, disputed or non-enforceable invoices
- Invoices below €5,000
- Receivable outside INVOKAP LIMITED’s risk-analysis criteria
- Invoices without sufficient supporting documents
How it works
From registration to payment in 5 structured steps
Registration
The business creates its account and provides its company information.
Invoice submission
The seller submits the invoice, debtor information and available supporting documents.
Verification
InvoKap reviews the seller, the debtor’s solvency, the score, the documents, the due date and the validity of the receivables.
Transaction structuring
If the receivable is eligible, Invokap structures the transaction and may offer it to approved professional investors for funding.
Assignment and payment
After acceptance, INVOKAP LIMITED legally acquires the receivable, the assignment contract is signed electronically, and funds are sent to the seller within 24–48 hours subject to validation.
The investor funds the transaction via Invokap; they do not buy the invoice directly from the seller.
Why use Invokap?
Fast liquidity
Obtain liquidity without waiting for your customers' payment due dates.
Not a traditional bank loan
Receivables assignment is not a traditional bank loan.
Digital process
Submit invoices, track progress and sign documents online.
Flexibility
No volume commitment. You assign only the eligible receivables you choose.
Why professional investors use Invokap
Professional and corporate investors with surplus liquidity can access verified B2B trade receivables, within a structured contractual framework and a contractual repayment of 100% of the financed capital.
Verified B2B receivables
Each transaction is reviewed (seller, debtor, invoice) before publication to approved investors.
contractual repayment of 100% of the financed capital
Proposed receivables are covered by contractual repayment of 100% of the financed capital, .
Short-term placement
Transactions backed by B2B invoices between businesses, funded invoice by invoice.
Centralised tracking
SEPA or international transfer, transaction reconciliation and monitoring through to repayment.
SEPA or international bank transfer
Each investor funding is made by SEPA or international bank transfer to the IBAN communicated for the transaction, for the exact amount and with a unique reference. Funding is confirmed after the funds are received and reconciled. Open banking may be offered later: it is neither operational nor mandatory.
Investor payment
The investor funds the transaction by SEPA or international transfer to the communicated IBAN, with a unique reference.
Secure tracking
Each payment is automatically matched with the Invokap transaction using bank references and internal tracking.
Seller settlement
After the transaction is validated, the seller is paid by bank transfer to the IBAN registered in their profile.
Technology ecosystem
InvoKap relies on trusted solutions to secure payments, analyse risk and verify businesses.
How much does it cost?
Each transaction receives a personalised offer. The assignment price depends notably on invoice amount, due date, debtor profile, available supporting documents, risk, available funding and applicable capital repayment commitment.
For a €10,000 invoice with a 30-day term, the assignment offer is calculated after file review. The cost is included in the proposed assignment price.
Indicative simulation, without commitment. The final offer is confirmed after file verification.
Estimate your assignment offer
* Indicative estimate. The final offer depends on debtor analysis, due date, available supporting documents, receivable eligibility, available funding and applicable capital repayment commitment.
Sell an invoiceAssignment contract
Each transaction is based on an electronically signed receivables assignment contract.
Legal purchaser
INVOKAP LIMITED acts as the legal purchaser of assigned receivables.
Investor funding
Professional investors fund the transaction via Invokap, according to the proposed conditions.
Document verification
Invoices and supporting documents are reviewed before any decision.
Debtor notification
The debtor is informed of the change of creditor when the assignment is finalised.
contractual repayment of 100% of the financed capital
Funded transactions are structured with a contractual repayment of 100% of the financed capital, .
Ready to Improve Your Cash Flow?
Start submitting your receivables with Invokap.
Start Now - It's FreeProfessional or corporate investor?
Fund verified B2B receivables with contractual repayment of 100% of the financed capital on the Invokap marketplace.
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