The startup offers a cloud-based factoring platform that provides immediate funding solutions for businesses facing short-term cash flow challenges. By enabling companies to access funds without traditional borrowing, the platform enhances liquidity and profitability at a competitive cost.
Funding
$47.1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
JPFounders
Product
Problem
SMBs often face cash‑flow gaps because payments for issued invoices are delayed, and traditional financing requires debt, collateral, or lengthy bank processes. Managing accounts payable and receivable across multiple banks also consumes significant manual effort.
Solution
OLTA operates an online credit platform that lets businesses sell outstanding invoices through its OLTA Cloud Factoring service, delivering working capital instantly without taking on debt. The INVOY platform centralizes inbound and outbound payments, providing real‑time cash‑flow visibility, automated reconciliation, and multi‑bank connectivity. Complementing these, the INVOY Card offers a corporate credit line backed by invoice and transfer data, eliminating issuance and annual fees while enabling expense payments and cash‑advance capabilities. Together, the suite transforms fragmented invoice data into a digital credit asset, streamlining financing and cash‑management for SMBs.
Target Audience
The primary customers are small‑ and medium‑size enterprises and sole proprietors that need rapid working‑capital financing and streamlined accounts‑payable/receivable operations.
Features
- End‑to‑end cloud factoring: upload invoices, AI‑driven credit scoring, and funding within 24 hours, no collateral required.
- Dynamic pricing engine that applies a transparent factoring fee based on invoice age, amount, and risk profile.
- Secure API and web dashboard for real‑time monitoring of funded invoices, repayment schedules, and performance analytics.
- INVOY AP/AR hub: automatic bank feed aggregation, batch payment scheduling, and instant invoice matching to reduce manual entry.
- Integrated cash‑flow dashboard with predictive liquidity forecasts and customizable alerts.
- INVOY Card: zero issuance/annual fee, credit limit derived from verified invoices and transfer history, with expense categorization and virtual card generation.
- Role‑based access controls and ISO‑27001‑aligned data encryption to protect financial information.
- Partner network integration with 45 Japanese banks and fintech providers for seamless fund transfers and settlement.