Fund your receivables without depending on a bank
We set up a fund backed by your company's receivables, from invoices to card instalment sales, or a direct credit line with investors. Cash comes in earlier, on terms built around your cash flow.
Who it is for
- You sell on terms and discount receivables often
- You sell in card instalments and discount them
- You have a recurring customer base
- You want to depend less on a single bank
- You need working capital to grow
How it works
Portfolio analysis
Volume, tenors, concentration, defaults and payment history of receivables, including card receivables.
Financial modelling
We model the fund or credit line: tranches, subordination, costs, returns and cash-flow impact.
Structuring
Regulations, credit policy, assignment agreements and governance, with administrator, manager, custodian and legal counsel.
Partner ecosystem
We connect the structure to our ecosystem of managers, administrators, custodians and investors.
Ongoing service and operations
Our team follows the portfolio and the fund day to day, with periodic reporting and adjustments to the structure.
From receivable to cash
Instead of waiting for the customer's term, the company gets paid today. The fund collects from the customer at maturity.
- You sell on termsBy invoice, bank slip or card instalments.
- Assign to the fundReceivables move to the dedicated FIDC.
- Get paid todayThe fund pays upfront, at a discount.
- Customer pays the fundAt maturity, the cycle closes.
What you gain
Receivables become cash today.
Investor capital, not just one bank.
Through the subordinated tranche, the company retains part of the fund's result.
Frequently asked questions
What is the difference between an FIDC and direct credit?
In an FIDC, the company sells receivables to a dedicated fund. In direct credit, it borrows from investors against receivables or other assets.
Can I fund credit card sales?
Yes. Card receivables, including instalment sales, can be part of the fund's portfolio, as an alternative to discounting through the acquirer or the bank.
Is my company large enough for an FIDC?
It depends on the volume and recurrence of receivables. In the diagnosis, we assess whether a fund or direct credit fits better.
How long does it take?
An FIDC usually takes a few months from diagnosis to first assignment. Direct credit can be faster.
Request a diagnosis
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