Help Center
FAQ
Quickly find answers to your questions about Invokap.
General questions
Invokap is an invoice financing platform operated by Finorys SAS. FINORYS SAS remains the legal purchaser of receivables assigned through the platform. Sellers sign with Invokap; debtors pay Invokap. Professional investors may fund selected receivables acquisition transactions operated by Invokap.
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).
FINORYS SAS 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.
The process
- Create your free seller account
- Complete your profile (KYC) with your company documents
- Click on "Submit an invoice" in your dashboard
- Upload the invoice PDF and enter debtor information
- Submit and wait for our offer within 24h
Funding timelines depend on review, documentation, electronic signature and payment confirmation. Once validated, payment is made by professional bank transfer 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 Finorys SAS.
Fees & Pricing
Our fees are simple and transparent:
- Discount rate: 1% to 4% depending on invoice duration and debtor risk profile
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.
Is credit insurance mandatory?
Receivables presented through the platform must meet Invokap's internal eligibility and insurability criteria. Credit insurance may reduce non-payment risk but does not eliminate all risks.
Security & Data
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 Finorys SAS.
