Your capital is asleep in your receivables.
The Cash Conversion Cycle (CCC = DSO + DIO − DPO) tells you how long cash is tied up in operations. A typical B2B company sits at +90 days. Apple runs at −62 days. As B2B, how to run with negative working capital? Sell your receivables.
CCC in days. Negative = cash-positive.
Three levers. One platform.
CASH NOW
Sell today. Get paid tomorrow.
Convert outstanding receivables (DSO 75 days) to cash in 1–2 days. Fee from 0.6 % p.a.
PAY LATER
Give your customers more time.
Your supplier sells the receivable against you. Your payment terms extend from 30 to 90+ days.
FULL FLOW
Negative working capital.
Combine Cash Now + Pay Later. Your CCC shifts from +90 to −43 days. Cash arrives before you pay.
From invoice to cash in 4 steps.
01
Upload receivables
Single invoices or bundles.
02
Placement of your receivables
We match your receivables with the profile of banks, private credit funds, and factoring companies within our network—and beyond.
03
Investors purchase
Receivables purchase and assignment contracts are created automatically and distributed.
04
Paid in 24h
Funds transferred directly to your account.
One invoice. That is all it takes.
€10 M revenue. ~€1 M freed per year.
More than a bank.
180+ Partners
Banks, private-credit funds, factoring companies, family offices and insurers — not one lender's fixed margin.
True Sale · Forfaiting
Your receivable leaves your balance sheet. One standardized contract for all investors.
Automated Payments
BaFin-regulated payment service. Disclosed or undisclosed — optimized payment flows.