The Invoice Exchange: Peer-To-Peer Finance Platform

Slovenian companies hold more than € 4 billion of non-interest-bearing assets in bank accounts, plus an additional € 2 billion of fix-term deposits, which bear almost zero interest. On the other hand, in the last ten years, banks in Slovenia have reduced the total volume of corporate loans to less than half.

The Invoice Exchange operates as a peer-to-peer finance service, connecting corporate investors that have surplus liquidity with SMEs who are looking for working capital finance. 

The IE financial platform offers an attractive and stable investment which allows companies to place their surplus funds in a short-term portfolio of low-risk, high-quality receivables and loans to Slovenian companies with attractive returns in a very simple way. While SMEs who are looking for working capital finance can use the Invoice Exchange to obtain same-day funding with a click of a button.

Investment

The investors’ funds are directly placed through the Invoice Exchange platform into the fractions of individual receivables and loans. The minimum amount of each fraction on the Invoice Exchange is € 10,00 which enables an exceptionally diversified investment and, consequently, a minimal risk of such placement of assets.

Companies that wish to place funds to the Invoice Exchange can easily open a trading account via electronic means and set their investment preferences (maturity, acceptable level of risk, expected interest rate and required diversification of their portfolio). Based on the investment settings, the Invoice Exchange automatically places the investors’ funds in the appropriate fractions of individual receivables and loans.

Financing

On the other hand, through the Invoice Exchange platform, small and medium-sized companies (SMEs) can acquire funding with assignment of receivables or obtaining short term loans. The entire process of financing is easily done online, without signing physical contracts. To obtain financing, the company needs to register on the Invoice Exchange web platform (in this step, the company's operations, financial condition is checked and financing limits are set) and enter the order into the online user interface. With one-click the company receives a bid for the purchase of a receivable or loan, confirmed by another click. The Invoice Exchange guarantees payout on the same day for all trades executed until 3 p.m. on weekdays. Before the first financing (before the limit is approved), the IE team needs to make a financial inspection of the company and arrange required insurance.

Visit the Invoice Exchange and obtain an immediate offer for financing or check the investment returns.

About the Invoice Exchange
The Invoice Exchange (www.borzaterjatev.si) is a fin-tech company that developed the first online finance market and the first peer-to-peer financial intermediation system in Slovenia. Over 270 Slovenian companies that are actively using the Invoice Exchange, have already received more than EUR 390 million of financing through the online platform (June 2022). The development of the IE is supported by European Commission and Republic of Slovenia, as well as other domestic and foreign financial investors. The Invoice Exchange received the Seal of Excellence by European Commission in 2020 and Silver Creditworthiness Certificate of Excellence in 2021 by Dun&Bradstreet. The company has been successfully operating in Slovenia since the end of 2015. IE offered its services to companies in Croatia in the end of 2020 through the company P2P Finance (www.p2pfinance.hr).