loader
SOURCING
RATING & PROCESSING
FUNDING

02

HOW IT WORKS

Data Acquisition

01     SMB

Small & Medium-sized Businesses (SMBs), through banks, credit unions and finance companies, seek working capital to grow.

02     BANK

SMBs download the APiO Early Pay Application.

02

HOW IT WORKS

Rating & Processing

03     APIO APPLICATION

APiO Early Pay detects unpaid invoices in the SMB’s accounting system.

04     RISK ENGINE

Invoices are examined and scored using a patent-pending 15 step process.

02

HOW IT WORKS

Purchasing Rated Assets

05     INVESTORS

Rated invoices are made available for purchase to investors via the APiO Marketplace.

06     FUNDING

APiO facilitates the funding of the supplier (seller of the invoice) and the payment from the buyer. Once settled, APiO funds the investor their principal and discount premium.

03 COMPARE
Compare Invoice Assets to Alternatives

Term

Yield

APiO

APiO invoice assets are short-term (30, 60 or 90 days), risk-rated and can be insured against default.

Annualized returns vary between 4-12%, depending on portfolio configuration (i.e., rating, term and insurance).

CASH

Cash provides instant liquidity, but savings and money market rates remain below the rate of inflation (resulting in a negative ROI).

CDs

Certificates of Deposit (CDs) pay higher rates, but have long-term maturities.

Penalties for early withdrawl.

Peer-to-peer Lending

Investing in loans with P2P lending platforms such as Prosper or Lending Club are longer-term and higher-risk propositions.

04 Marketplace Facts

Just the facts.

$12.1
K

Average
Invoice Size

32

Unique
Industry Sectors

42
DAYS

Average Settlement
Time

100 %

Rated using AI
& Big Data

$30
TRILLION

Amount of money
moving between
businesses each year

05

BE IN CONTROL

Make Your Portfolio YOURS

The APiO Marketplace allows investors granular portfolio controls including:

Max invoice size

Invoice term

Invoice amount

Invoice rating

Invoice Insurance (Insure a portfolio against default risk)

Macbook