How it works
DebiFlow runs receivables funding from contract to recovery. Controls, reporting, exceptions, and repurchases are built in.
Contract
Standardised facility agreements, with pre-drafted collection account pledge agreements and security sharing documents, create a smooth onboarding process for both originators and investors, whilst ensuring enforceability from day one.
Upload
Originators submit data on recently disbursed receivables using predefined templates, up to the agreed funding limit, with exceptions that do not meet the eligibility criteria flagged and excluded from the investible pool.
Allocate
Receivables allocated across investors based on return, impact, or liquidity goals, ensuring optimal mandate fit and the lowest cost of funding for the originators, while staying within agreed limits and eligibility rules set at an investor level.
Settle
As repayment data is received, DebiFlow calculates each investor’s entitlement and converts many receivable-level movements into a single settlement from the originator on the agreed cadence, aligned to each investor’s liquidity profile.
Recover
DebiFlow manages the repurchase of past-due accounts and, if agreed protections are ever triggered, enforces the pledged accounts and security package to execute the payment waterfall, without waiting for lengthy insolvency proceedings.
