The sellers you fund already pay for this, in a spread that prices the gap, the doubt and the chase rather than the credit. That spend is the demand, and it reaches you as margin rather than as a request. The protocol settles the advance as one movement, so the claim, your cash and the buyer's payment stop living on three books.
Request a briefing →Assignments recorded in private systems cannot be checked against each other, so double pledging is discovered in insolvency rather than at funding. Every funder prices in the ones that got away.
You price the days between advance and repayment, the risk that the assignment does not hold, and the cost of chasing payment to the right account. The seller pays for all of it, on every invoice.
Below a certain invoice size, the friction costs more than the margin covers, so whole tiers of suppliers receive no offer at all. The market is not small. The plumbing is.
The protocol settles the advance as one movement: the receivable commits to the funder on the book that records it, the cash commits to the seller on the book that holds it, in the same instant. At maturity, the buyer's payment settles against the claim the same way.
The record of who owns every receivable is the settlement record itself. The second funder sees the first, before either advances anything, so a claim is one asset rather than as many as there are systems recording it.
No collection chase, no assignment doubt, no funding gap left to price. The margin stops paying for plumbing and starts paying for the business you wanted to be in.
When the cost per advance collapses, the small invoice finally pays its way, and the suppliers below the line stop being unprofitable to offer to. The market was never small. The plumbing was.
Discover how secure settlement expands your addressable market, drives growth and client retention, and brings agency back to you and your clients. Bring a settlement your desk runs today and we will walk it through.