Accounts receivable available for purchase through the APiO Marketplace are short-term assets. Maturity periods typically range from 30 to 90 days from invoice date.
As a short-term investment asset, accounts receivable purchased via the APiO Marketplace provide investors with lower duration risk and higher liquidity versus other asset classes and peer-to-peer lending platforms.
The average invoice acquired through the APiO Marketplace has a maturity period of 40 days, and assuming no defaults, an investor is expected to receive his principal back, plus the discount premium, at the end of that period. This short-term, highly liquid investment asset typically is superior in performance to money market products, and given the additional security of an owned receivable, the risk/return profile of accounts receivable finance is in many respects more comparable to an asset-backed corporate bond.