Receivables in Motion.
Invifacto connects businesses with eligible financial institutions through secure receivables verification, financing workflows and API-powered infrastructure.
Building a platform or a bank integration? See Invifacto Connect for developers.
How Invifacto works
Every step is recorded with who acted, when, and the evidence behind it.
Add invoice details, the commercial buyer and supporting documents. You grant consent for each institution that may review it.
Invifacto checks business identity, duplicate submissions, disclosed assignments and the documents your industry requires.
Rules match the invoice against each institution's jurisdictions, currencies, size limits, industries and products, with a reason for every result.
Institutions do their own underwriting and send terms. Purchase offers and loan offers are shown separately, never mixed.
You sign with the institution you choose. It funds you directly under its own agreement and authorization.
Invifacto does not lend, buy invoices or hold your funds. We are the technology layer between your business and independent institutions. Each institution makes its own credit, purchase and fraud decisions.
Our three infrastructure pillars
Where businesses meet approved institutions, receive offers and follow each deal to close.
Evidence-based checks on the business, the buyer and the invoice, with every source recorded.
Versioned APIs so banks, factors, accounting and ERP platforms can plug in without replacing their systems.
New product lines · in sandbox testing
Both run in test mode today. Neither is offered live until the required legal reviews, licensed partners and approvals are in place.
Records who owes what to whom on an approved transaction, and when it was sent and received, so every party reconciles to the same numbers.
Software for licensed remittance operators in Canada and the United States to offer eligible customers instalment credit from a licensed lender, at the moment of sending.
Submit once and reach the institutions that actually serve your country, currency, industry and invoice size.
Factoring companies, receivables purchasers, banks and invoice-backed lenders set their own criteria. Invifacto only routes what fits, with the business's consent.
Two different products
Invifacto keeps these products separate at every step, from the offer you see to the contract you sign.
| PurchaseInvoice sale / factoringThe institution buys the receivable | Secured loanInvoice-backed lendingThe institution lends against the receivable | |
|---|---|---|
| Who owns the invoice | The institution, once assignment completes | You keep it; it is pledged as security |
| What you receive | Purchase price, often as an advance plus a reserve released later | A loan amount, repaid on a schedule |
| Cost shown as | Discount or factoring fee, plus any other charges | Interest, fees and any legally required cost disclosure |
| If the buyer doesn't pay | Depends on recourse: full, limited or non-recourse | You still owe the loan under its default terms |
| Buyer notification | Often required for assignment | Depends on the security arrangement |
General description only. Actual terms are set by each institution and its agreement. Disclosures are reviewed for each jurisdiction before the product goes live there.
Multi-industry coverage
One invoice model for every sector, with the supporting documents each industry already uses.
Carriers, brokers and logistics providers
Bill of lading · proof of delivery · rate confirmationComponent, contract and finished-goods makers
Purchase order · delivery acceptanceDistributors supplying retailers and businesses
Purchase order · packing slip · signed deliveryAgencies billing client companies
Approved timesheets · service agreementTrades and subcontractors on commercial work
Progress billing · approved change ordersConsulting, engineering and business services
Engagement letter · approved milestonesImplementation and managed services
Statement of work · acceptance sign-offGrowers, processors and food distributors
Delivery receipts · grading certificatesCommercial suppliers to clinics and facilities
Purchase order · delivery confirmationCross-border traders and suppliers
Commercial invoice · bill of lading · customs entrySale and rental of commercial equipment
Purchase order · delivery and install sign-offOperators, contractors, drilling, equipment, maintenance and mine logistics
Certified progress claim · weighbridge record · buyer acceptanceNew industries are added by configuration
Requirements set per industry and countrySecure verification, compliance-aware workflows
No institution sees your invoice until you grant access to that institution. You can revoke it.
Status changes record the person, the time and the supporting evidence, in a log that cannot be edited.
Each country and product needs a recorded compliance approval before it goes live.
Our checks help institutions decide faster. They do not replace an institution's own diligence or guarantee authenticity.
Invifacto Connect · API and enterprise integration
Banks, factoring companies, accounting software and ERP platforms connect through versioned REST APIs. Your customers stay your customers.
# Example request. Sandbox access opens with the developer portal. curl -X POST https://sandbox.invifacto.com/api/v1/invoices \ -H "Authorization: Bearer $TOKEN" \ -H "Idempotency-Key: 7c1e9a2f-0418" \ -d '{ "invoice_number": "INV-2026-0418", "currency": "CAD", "face_value_minor": 4825000, "issue_date": "2026-10-01", "due_date": "2026-11-15", "buyer_id": "byr_01HZX…", "industry": "manufacturing" }'
Amounts are integer minor units (cents) to avoid rounding errors. The developer portal and sandbox are in development and not yet open.
Canada pilot · global architecture
Countries, currencies, document rules and products are configuration, not code. A market goes live only after its legal and institutional review is approved.
| Market | Currency | Status |
|---|---|---|
| Canada | CAD | Pilot preparation · legal review in progress |
| United States | USD | Configured · not active |
| United Kingdom | GBP | Configured · not active |
| European Union | EUR | Configured · not active |
| Other markets | ISO 4217 | Added on assessment |
About Invifacto Technologies Inc.
To become a globally trusted financial technology infrastructure company, transforming how businesses and financial institutions connect, transact and unlock the value of commercial receivables.
To make commercial receivables transactions simpler, faster, more transparent and more accessible through secure technology that connects businesses with financial institutions.
We state what is live, what is planned and what we do not do.
Institutions and businesses depend on records that are accurate and complete.
We build infrastructure that lets existing institutions reach new markets.
Every match has a reason and every offer shows its full terms.
Financial data is protected, access is limited, and every action is attributable.
Smaller businesses deserve the same access to receivables finance as large ones.
Frequently asked questions
No. Invifacto is a technology intermediary. Independent institutions decide whether to buy a receivable or lend against it, and they fund you directly under their own agreements.
No. Each institution does its own underwriting and may decline. Invifacto does not promise approval, pricing or timing unless an institution has committed to it in writing.
With factoring or a sale, the institution buys the invoice. With an invoice-backed loan, you keep the invoice and borrow against it, so you owe the loan back. Invifacto shows these as separate products with separate terms.
Only your own team and Invifacto staff who need access to process your file. An institution sees an invoice only after you grant consent for that institution.
Any lawful business with commercial (B2B) receivables. Our first Canadian outreach focuses on transportation and freight, but the platform is designed for manufacturing, wholesale, staffing, construction, mining and natural resources, professional services and more.
Canada is our pilot market. Other countries are configured in the platform but stay inactive until legal and institutional readiness is approved for each one.
No. Institutions pay businesses, and businesses repay lenders, through their own bank accounts. Invifacto Pay only records payment instructions and confirmations so both sides can reconcile.
Software that lets licensed remittance operators offer “Send Now, Pay Later” credit from a licensed lender. The lender decides, sets and discloses the cost of credit, and collects repayment. It is in sandbox testing and is not offered to consumers yet.
Pricing for the pilot is not yet published. We will disclose any fee before you agree to it.
Contact and partnership inquiries
Tell us whether you are a business, an institution or a developer, and we will route your message to the right person.