Receivable-only collateral • Security sharing • Fund management

Receivables can be investable when the structure, limits, and reporting are real.

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.

Request a demo See how it works
Audit-ready outputs Rules-based limits Covenants and early triggers Weekly reporting cadence

Built for the cadence investors require and originators need.

Early-stage credit issuers are asset-light. Investors need control, cadence, and proof. DebiFlow makes that possible without turning operations into a spreadsheet factory.

Originators

Scale receivables faster

  • Daily or weekly drawdowns to keep lending
  • Predictable, rules-based limits
  • Less operational burden across facilities
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 simple, repeatable workflow that turns customer data into investable assets, then bridges settlement cadences with controls.

1) Data intake
Validate schema, formats, and required fields on arrival.
2) Investor allocation
Allocate receivables across investor portfolios for security sharing.
3) Payment in
Determine disbursement amounts per investor based on allocated accounts.
4) Repayments upload
Upload historic repayment data for allocated receivables.
5) Payment allocation and repurchases
Map each payment to receivables, apply repurchases, and set interest allocation dates.
6) Payment out
Bridge settlement cadence with limits based on expected payments and defined 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
Whether a drawdown or repayment notice is triggered depends on facility balance, requested drawdown, and customer repayments and repurchases for the period.

Protections and enforceable controls

Funded on existing receivables, protected by limits and repurchases, supported by early-warning oversight 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 validations and traceability controls. Designed for reproducible results from versioned inputs.

Data intake
Validates schema, aligns dates, checks integrity, and flags exceptions before processing continues.
Secure storage
Immutable history of uploads, outputs, and changes. Role-based permissions and segregation by entity or portfolio.
Compute
Python pipelines reconcile drawdowns, repayments, and allocations with traceable line items and exception logs.
Application
Role-based views for originators, investors, and administrators. Upload workflows, dashboards, exports, audit-friendly reporting.
Outputs
  • Allocation registers and receivables schedules for security sharing
  • Investor statements aligned to settlement cadence and terms
  • Portfolio analytics (PAR, vintage, recoveries) and covenant monitoring
Controls
  • Automated checks, exception queues, and approval gates
  • Versioning and audit trail from intake through to outputs
  • Role-based access, traceable calculations, reproducible results

Traction

Our first receivable was financed in August 2023. The platform has processed meaningful volume with stable operational performance.

Total payments processed
ZAR 81 777 489
Contracts refinanced
106 899
Currently outstanding
ZAR 11 765 814
Investor repayments
ZAR 66 122 007
Failed payments
0.83%

Contact

If you are an originator, investor, or partner and want to explore a facility structure and reporting pack, email us and we will respond with next steps.

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