FAQ

Unlike a loan, invoice assignment is not a debt. You sell an asset (your receivable) for immediate cash. This does not impact your borrowing capacity and does not appear as debt on your balance sheet.

Any company (SME, mid-cap) that issues B2B invoices can use our platform. You must be a legally established company (valid SIREN) and your debtors must be companies (not individuals).

INVOKAP LIMITED remains the legal purchaser of receivables assigned through the platform.

Professional investors may finance selected receivables acquisition transactions operated by Invokap. They do not become the legal owners of the receivables.

No. There is no guaranteed return, no deposit account and no wallet. Payments to sellers are made by professional bank transfer after review and validation.

1. Create your free seller account
2. Complete your profile (KYC) with your company documents
3. Click on "Submit an invoice" in your dashboard
4. Upload the invoice PDF and enter debtor information
5. Submit — after review and funding, you will receive an offer

After submission, your invoice is audited and subject to credit insurance consultation, then listed on the marketplace for funding. Once funded by an investor or Invokap, you receive an offer. After electronically signing the assignment contract, funds are transferred within 24 to 48 business hours (1 to 2 business days) to your verified bank account.

Yes, your client (the debtor) is notified of the assignment in accordance with the law. An assignment notification is sent to them, informing them that they must now pay the invoice to INVOKAP LIMITED.

Our fees are simple and transparent:

• Discount rate: 2.5% to 4.5% depending on invoice duration and debtor risk profile

No application fees, no commitment, no minimum.

The minimum amount per invoice is €5,000. There is no maximum amount, but invoices over €100,000 are subject to in-depth analysis.

Invokap manages collection on your behalf. Our team handles reminders and follow-ups to ensure payment.

Receivables presented to professional investors on the platform are covered by 90% credit insurance on the eligible amount, according to applicable policy conditions. This coverage manages default risk but does not eliminate all risks.

Yes, we use bank-level security protocols (SSL/TLS, data encryption). Your documents are stored securely and are only accessible to authorized persons. We are GDPR compliant.

Bank details are verified before payment. Seller payments are made by professional bank transfer from INVOKAP LIMITED.