Capata offers a digital invoice financing platform that uses transactional data and AI analytics to assess credit risk and provide real‑time working capital to SMEs. Businesses can sell unpaid invoices and receive up to 90% of the invoice value within 24‑48 hours, with no collateral required and repayment aligned to the invoice payment cycle.
Funding
Funding not disclosed
Founders
Product
Problem
SMEs often face cash flow gaps because payments for invoices can take 30‑120 days, forcing them to rely on costly loans or dilutive equity to fund operations and growth. Traditional financing processes are paperwork‑heavy, slow, and require collateral, limiting access to timely working capital.
Solution
Capata provides a digital invoice financing platform that uses transactional data and AI analytics to assess credit risk and offer financing in real time. Businesses can sell their unpaid invoices to Capata at a discount and receive up to 90% of the invoice value within 24‑48 hours, without needing additional collateral. The platform automates application, credit approval, and disbursement, delivering funds directly to a dedicated collection account. Repayment is aligned with the invoice payment cycle, and rates are competitive and transparent. The service scales with the volume of invoices, allowing SMEs to grow without the delays and constraints of traditional bank credit lines.
Target Audience
Capata targets small and medium‑sized enterprises that have recurring invoice streams and need fast, flexible working capital to support operations, supply‑chain growth, or expansion projects.
Features
- AI‑driven credit assessment that evaluates invoices using real‑time transactional data, enabling instant approval decisions
- Single‑click online application and automated document verification to reduce onboarding time
- Funding of up to 90% of invoice face value within 24‑48 hours, with flexible repayment terms matching invoice due dates (30‑120 days)
- No collateral requirement; financing is provided on a recourse basis to the SME and its owners
- Dedicated collection account that receives buyer payments, automatically settles Capata’s fees, and returns excess cash to the business
- Transparent fee structure with a fixed discount fee and optional service charges, presented up front