How it works
From the invoice issued to the cash collected.
Without banks, without waiting.
Digital selection of credits, non-recourse assignment, immediate liquidity.
Uploading invoices
Invoices issued and not yet collected are uploaded to the platform, also via ERP integration
Selection of credits to transfer
The company selects the invoices to transfer based on amount, due date and liquidity priority
Request for quotation
The platform presents selected credits to qualified investors for evaluation
Acceptance of the offer
The company receives and accepts the credit purchase offer at the conditions proposed by the investors
Assignment and notification
The credit is transferred without recourse with formal notification to the debtor and liquidity provided to the company
Accounting alignment
The transfer is automatically recorded in the ERP and accounting systems, with complete traceability
Functionality
Transform trade receivables into working capital
Everything you need to advance liquidity selectively, flexibly and without impacting the risk centre.
On-demand liquidity on trade receivables
Value invoices issued and not yet collected by transforming them into immediate liquidity. The platform allows you to upload selected credits and easily activate the transfer process to accredited investors, without structural constraints or predefined credit lines.
- Digital upload of pending invoices
- Timely selection of credits to be transferred
- Purchase offers from qualified investors
Assignment without recourse and transfer of risk
Reduce financial exposure by transferring default risk. With the non-recourse assignment, the credit is assigned permanently, freeing the company from the risk linked to the debtor’s non-payment.
- Formal notification to the debtor of the change in credit position
- Greater stability and predictability of cash flows
Native integration with finance processes
Invoice trading is not an isolated tool, but an integral part of Digital Technologies’ AI for Finance ecosystem. The solution integrates with electronic invoicing solutions and ERP systems, ensuring data consistency and operational continuity.
- Integration with ERP systems and e-invoicing platforms
- Automatic alignment between assigned credits and accounting
- End-to-end traceability of operations
Flexible access to working capital
Activate the solution only when needed. Unlike traditional tools, it does not require continuous factoring lines nor does it impact the risk center, preserving the company’s credit reputation.
- No report to the risk centre
- Discretionary and modular use
- Agile alternative to traditional factoring
The comparison
Without vs. with our platform
Traditional management
Today
Waiting for payment times
The liquidity remains blocked in the invoices issued until the contractual expiry.
Recourse to bank credit
Traditional credit lines, advances and lines of credit impact the risk center and require long processes.
Risk of insolvency
In case of non-payment, the financial risk falls entirely on the transferring company.
Unpredictable liquidity
Varying collection times make it difficult to plan investments and manage working capital.
Rigid tools
Traditional factoring requires continuous contracts and the transfer of the entire credit portfolio.
With Digital Technologies
Tomorrow
Immediate liquidity
Invoices are processed quickly, without having to wait for payment.
No impact on the risk centre
Invoice trading is an alternative to bank credit and does not generate reports in the risk centre.
Risk transferred
With the non-recourse assignment, the risk of insolvency passes to the buyer of the credit.
Predictable cash flow
Liquidity available on demand, with more stable and plannable cash flows.
Flexible use
It is activated only on selected invoices, without binding contracts and only when needed.
Benefits
Less cash tension and more investment capacity
Strengthens financial governance by stabilizing working capital, improving liquidity and supporting growth without increasing bank debt.
Cash flow optimization
Reduce the gap between issuing and collecting invoices, shortening the financial cycle and improving cash availability at key moments.
Reduction of insolvency risk
By transferring risk to the credit buyer, you protect your balance sheet and reduce the supply chain impact of missed payments.
Agile and sustainable access to credit
It overcomes the limits of traditional financing, without increasing debt or compromising your credit reputation. Liquidity becomes a strategic tool, not an emergency.
Resources
Insights and thought leadership
AI Agents in P2P, O2C and Supply Chain: from strategy to concrete results
Beyond theory: how AI Agents generate value, from invoice reconciliation to supplier qualification.
The EMEA e-invoicing landscape 2026–2030: what you need to know
Between ViDA, national rollouts and new obligations outside the EU: how to navigate the EMEA e-invoicing landscape.
AI Agents: how to automate finance processes and support CFO decisions
Intelligent automation to free up time and accelerate the CFO's strategic choices.
Contact us
Ready to free up liquidity from your credits?
Fill out the form and tell us your challenges. One of our experts will contact you to understand your needs and show you how our solutions can support your processes.
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FAQ
Frequently asked questions
Everything you need to know about the solution