Receivable-only collateral • Security sharing • Fund management

Make receivables investable with real structure, limits, and reporting.

DebiFlow matches investors to early-stage credit issuers, then runs the security sharing and fund management layer that bridges daily portfolio movement with monthly or quarterly settlement.

Talk to us See how it works
Audit-ready outputs Rules-based limits Covenants and triggers Weekly reporting

Built for investor cadence, without slowing originators down.

Asset-light originators need fast funding. Investors need control and proof. DebiFlow delivers both without turning ops into spreadsheets.

Originators

Scale receivables faster

  • Daily or weekly drawdowns
  • Predictable, rules-based limits
  • Lower operational burden
DebiFlow layer

Structure and control

  • Allocates receivables for clean security sharing
  • Manages drawdowns vs settlement cadence
  • Enforces limits, covenants, and early triggers
  • Produces audit-ready statements and reconciliations
Investors

Mandate-fit exposure

  • Exposure controls and covenant monitoring
  • Monthly, quarterly, or fixed-term settlement
  • Consistent, traceable reporting
Reality today
Security cannot be shared cleanly across multiple investors.
Data lives in spreadsheets with manual reconciliations.
Statements are slow, inconsistent, and hard to audit.
Cadence mismatches create disputes and funding gaps.

How it works

A repeatable workflow that turns portfolio data into investable exposure and keeps settlement inside agreed controls.

1) Data intake
Validate schema, formats, and required fields.
2) Investor allocation
Allocate receivables across investors for security sharing.
3) Payment in
Calculate disbursement amounts per investor.
4) Repayments upload
Ingest repayment data for allocated receivables.
5) Allocation and repurchases
Map payments to receivables, apply repurchases, set interest dates.
6) Payment out
Bridge settlement cadence with limits and covenants.
Fund management layer
Drawdowns and repayments stay inside agreed limits.
Investee collections account
Periodic disbursement and repayments
DebiFlow float account
Periodic disbursement and repayments
Investors
Monthly or termly drawdown and repayment requests
Notices depend on facility balance, requested drawdowns, and period collections and repurchases.

Protections and enforceable controls

Receivable-backed funding protected by limits, repurchases, early warnings, and enforceable security.

Funding and collateral
  • Finance only verified, already issued receivables
  • Limit the funded share of the portfolio
  • Advance rates preserve headroom for interest and repurchases
  • Growth limits aligned to forward capital requirements
Risk limits and repurchases
  • Covenants for risk, ageing, and concentration
  • Repurchase controls keep key metrics within thresholds
  • Receivables repurchased before a defined DPD ceiling
Legal and oversight
  • Standardised documentation defines timing and waterfalls
  • Collections account pledge supports rapid enforcement
  • Ongoing visibility into performance and collections activity

Technology overview

Cloud-native pipeline plus web app with validation, traceability, and reproducible outputs from versioned inputs.

Data intake
Validates schema, aligns dates, checks integrity, flags exceptions.
Secure storage
Immutable history of uploads and outputs. Role-based segregation by entity or portfolio.
Compute
Python pipelines reconcile drawdowns, repayments, allocations, with traceable line items.
Application
Role-based views. Upload workflows, dashboards, exports, audit-friendly reporting.
Outputs
  • Allocation registers and receivables schedules
  • Investor statements aligned to settlement cadence
  • Portfolio analytics and covenant monitoring
Controls
  • Automated checks, exception queues, approval gates
  • Versioning and audit trail from intake to outputs
  • Role-based access and reproducible calculations