How it works
From registration to payment in 5 structured steps
Process overview
Invokap structures each eligible B2B receivables assignment transaction: document verification, funding structuring, legal acquisition by INVOKAP LIMITED, seller payment and debtor settlement monitoring.
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, debtor, documents, due date and 90% credit insurance coverage.
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.
Required documents
- Invoice PDF
- Proof of delivery or signed contract
- Debtor information
- Debtor contact details
- Seller company bank details (IBAN)
- Company identification documents
- Purchase orders, delivery notes or proof of execution where applicable
Receivable verification
InvoKap reviews the seller, debtor, documents, due date and 90% credit insurance coverage before any decision.
Investor funding structuring
If the receivable is eligible, Invokap structures the transaction and may offer it to approved professional investors. The investor funds the transaction via Invokap; they do not buy the invoice directly from the seller.
Legal assignment to INVOKAP LIMITED
INVOKAP LIMITED acts as the legal purchaser of assigned receivables. The seller contracts with INVOKAP LIMITED under the assignment.
Electronic signature
The assignment contract is signed electronically with full traceability on the platform.
Seller payment
After validation, the seller is paid by bank transfer to the IBAN registered in their profile, generally within 24–48 hours subject to validation.
Debtor notification
The debtor is informed of the change of creditor and must pay INVOKAP LIMITED according to the instructions provided.
Payment monitoring
Every step is tracked on the platform, from assignment to debtor settlement.
Rejection cases
A receivable may be rejected if it does not meet eligibility criteria, if documentation is insufficient, if risk is too high or if credit insurance coverage is not compatible with applicable conditions.
Registration
The business creates its account and provides its company information.
- Create your free seller account
- Upload your invoice in PDF format
- Add the purchase order (PO), delivery note or contract
- Enter debtor business registration information
Simple interface
Guided form with automatic verification
Invoice submission
The seller submits the invoice, debtor information and available supporting documents.
- Debtor verification using available business data
- Automatic creditworthiness scoring
- Credit insurance eligibility review
- Assignment offer after review
Fast analysis
Review supported by digital tools
Verification
InvoKap reviews the seller, debtor, documents, due date and 90% credit insurance coverage.
- Accept the offer with one click
- Sign the assignment contract electronically
- IBAN verification
- Transfer to your account within 24-48h
Secure payment
Transfer via professional bank transfer
What Happens Behind the Scenes?
Before a receivable can proceed through the funding process, Invokap performs a series of verification and review checks designed to improve transaction quality and reduce operational risk.
Seller Verification
Verification of company information and compliance requirements.
Debtor Review
Assessment of available information relating to the debtor and transaction.
Document Review
Review of invoices and supporting documentation.
Eligibility Assessment
Verification that the receivable meets Invokap's financing criteria.
90% credit insurance
Verification of 90% credit insurance coverage according to applicable policy conditions.
Electronic Assignment
Digital signature process with full traceability.
Your guarantees with Invokap
KYC Verification
Identity and compliance checks to verify all parties.
Verified IBAN
Bank verification to secure transfers.
Electronic signature
Contracts signed electronically with SMS validation.
Document control
Invoices and supporting documents reviewed at each step.
Frequently Asked Questions
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