Decentralized invoice financing protocol on Stellar Soroban

InvoFi — Soroban smart contracts for decentralized invoice financing on Stellar

Qardy is the first online lending aggregator marketplace in Egypt and the wider MENA region, connecting micro, small, and medium enterprises (MSMEs) with banks and financial institutions for debt financing.

Factris is a European fintech that provides invoice financing (factoring) for small and medium-sized enterprises, converting unpaid B2B invoices into working capital within 24 hours.

NAKAD is India's leading Reconciliation-as-a-Service platform, a fintech delivering cash-flow and working-capital solutions to small businesses and MSMEs. Its proprietary MicroBill technology enables lending and loans through invoice discounting, invoice factoring and reverse factoring so suppliers receive early payment, with built-in…

Lendo (شركة ليندو السعودية للتمويل) is a Riyadh-based Saudi fintech licensed by the Saudi Central Bank (SAMA, License No. 61/A SH/202203, capital SAR 50M) that operates the Kingdom's first SAMA-licensed Sharia-compliant debt-based crowdfunding platform.

Kema (Kema FZ-LLC) is a UAE-based B2B fintech providing cash-flow and accounts-receivable tools for SMEs across the MENA region. Its platform combines invoice financing that advances up to 95% of invoice value, accounts-receivable automation with automated reminders, invoice tracking and reconciliation, and branded payment links delivered over…

Programmable cross-border treasury & invoice-financing rails for the global independent workforce — built on Stellar & Soroban. Live on testnet.

Flow48 is an SME financing platform founded in March 2022 and backed by Speedinvest that provides non-dilutive, collateral-free capital to small and medium businesses across the GCC and wider MENA region, with a focus on the e-commerce and food & beverage sectors.

AI-assessed, tranched on-chain invoice financing for Indonesian SMEs — invoice NFTs funded by a junior/senior liquidity vault.

C2FO is a fintech company operating the world's largest on-demand working capital platform, connecting enterprise buyers with their suppliers to enable early invoice payment. Through dynamic discounting, supply chain finance, and marketplace-based funding, suppliers name the discount rate at which they are willing to be paid early while buyers put…

Koalaboox is a Belgian cloud invoicing and cash-flow platform for small businesses, self-employed professionals and their accountants, now operating as Cegid Invoice & Financing — API brand Cegid Click & Finance — following its acquisition by Cegid.

Defacto is an ACPR-authorized French fintech providing instant, embedded financing for small and medium-sized businesses across Europe. Through a single REST API, partners (marketplaces, neobanks, B2B SaaS, e-invoicing platforms) can onboard borrowers, test eligibility and credit limits, share business and bank-transaction data, create invoices…

Kanmon is an embedded-lending platform that lets vertical SaaS and business-management software offer working capital to their customers without becoming a lender themselves. Through the Kanmon Public V2 REST API and the embeddable Kanmon Connect UI, platforms can originate term loans, lines of credit, invoice financing, Accounts Payable…

Canton Receivables is a private invoice financing prototype built on Canton Network. It lets SMEs turn invoices into financeable receivables, allows funders to submit private offers, and uses Daml workflows to model confidential multiparty agreements, demo balances, and settlement states.

Erad is a licensed, Sharia-compliant fintech lender providing fast, flexible working capital to small and medium-sized businesses across Saudi Arabia and the United Arab Emirates. Founded in 2022 (Y Combinator S22) and headquartered in Riyadh, Erad offers revenue-based financing, invoice financing (advancing up to 90% of B2B/B2G invoices in as…

Hokodo is a London-based B2B payments and embedded trade-credit fintech that lets merchants and B2B marketplaces offer digital trade accounts and Buy Now, Pay Later at checkout. Buyers get instant credit decisions and flexible terms (30/60/90-day payment terms, instalments, and consolidated trade accounts) while Hokodo underwrites the credit risk…

Decentralized invoice financing platform using smart contracts for invoice tokenization, fractional funding, and on-chain settlement.

Finiata was a Berlin-founded fintech providing working-capital and invoice financing to small businesses, freelancers and micro-enterprises, operating principally in Germany and Poland and backed by investors including Point Nine. It was surfaced as a portfolio company of point-nine and added to the API Evangelist network as a lead for enrichment.

Xepelin is a Chilean-founded fintech operating in Chile and Mexico that provides digital financial services for small and mid-sized businesses, including invoice factoring (adelanto de facturas), supplier payment financing (confirming), working capital credit lines, and collections and payments management, alongside XData, a financial-intelligence…