Purchasers of accounts receivable through the APiO Marketplace can pursue solid, risk-adjusted returns from an asset class that has generally been unavailable to many investors, and only accessible on a limited basis to large institutional investors.
Through the APiO Marketplace, invoice assets representing high quality accounts receivable are made available to a variety of purchasers, including the following: high-net-worth individuals, family offices, banks and finance companies, insurance companies, hedge funds, private equity funds, municipal governments, foundations, pension plans and university endowments.
Using a proprietary 15-stage process, employing state-of-the-art data integration and analysis techniques, artificial intelligence, and machine learning technologies, APiO rates and scores suppliers and their accounts receivable before certifying them as eligible for purchase by an investor via the APiO Marketplace. In addition to risk score, APiO Marketplace investors can specify criteria such as industry sector, supplier size and revenue run rate, invoice size, maturity period, and other attributes to tailor a portfolio to an investor’s exact criteria.
Additionally, an APiO Marketplace investor can require its funds be invested only in accounts receivable that are insured against buyer credit risk default by Euler Hermes, the world’s largest provider of trade credit risk insurance solutions.
This ensures that each investor portfolio acquires only accounts receivable meeting all quality and risk standards specified in advance by the investor.