B2B Liquidity Marketplace
Unlock working capital in 48 hours
Reciiva connects anchor buyers and suppliers with instant liquidity through invoice discounting, Early Payment, Extended Terms, and LPO financing — powered by AI credit scoring and automated fraud detection.
Every invoice is cash waiting to be unlocked.
Capabilities
Everything you need for supply chain liquidity
From invoice discounting to automated settlement, Reciiva delivers the tools to optimise cash flow across your entire network.
Invoice Discounting & Early Payment
Suppliers convert outstanding invoices into immediate cash. Anchor buyers offer early payment directly from their own treasury — no lender, no balance sheet impact. All in one platform.
LPO Financing
Unlock capital at the purchase order stage — before delivery or invoicing. Suppliers submit LPOs, anchor buyers validate, and the approved PO converts directly into a funded invoice through the lender pipeline.
Competitive Marketplace Funding
Place high-value invoices into a timed competitive funding round. Multiple lenders submit bids — supplier selects the best rate. Price discovery through genuine market competition, not a single counterparty.
Extended Terms
Anchor buyers extend payment terms while a pre-committed lender bridges the gap automatically. Suppliers receive funds on the original date; anchors settle at the extended due date. No marketplace, no delays.
System Integration & API
Submit invoices via API from your existing ERP or accounting system. Generate API keys, import invoices in bulk, and let automated workflows move each invoice through the pipeline — with full audit logging.
AI Fraud Detection
Every invoice is automatically screened for anomalies — duplicate detection, velocity checks, bank account change alerts, amount mismatches, and more — before a single lender sees it. High-severity flags block funding until reviewed.
AI Credit Scoring & Underwriting
Every supplier gets a live composite health score built from repayment history, invoice quality, platform activity, and anchor concentration. On-demand AI credit memos analyse bank statements and cashflow for every invoice.
Platform Essentials
Bank statement integration, document OCR auto-fill, bulk invoice import, instant notifications, regulatory export, a referral programme with permanent fee discounts, and white-label deployments for institutions.
Fast Funding
From invoice submission to funds in account within 48 hours for eligible invoices. Lender matching is automated — all active lenders are notified simultaneously. No account manager calls required.
Process
Four steps to liquidity
Getting started takes minutes. Complete KYC, upload your outstanding invoices, and access funds when you need them most.
01
Onboard
Sign up, complete KYC (CAC, BVN, TIN), and upload your business documents. Our AI handles the heavy lifting while you focus on operations. Approval in under 48 hours.
02
Submit invoices
Upload your outstanding invoices directly via the portal. Anchor buyers validate in one click via email or their dashboard. Real-time status — no guesswork.
03
Get funded
Eligible invoices are matched to all active lenders simultaneously. AI-generated credit memos covering cashflow, repayment history, and anchor behaviour give lenders everything they need to act fast. For Early Payment, your anchor buyer releases funds directly — no lender required.
04
Settle
Funds hit your account within 48 hours of offer acceptance. At invoice maturity, the anchor buyer settles the outstanding amount — completing the cycle automatically. Repayment reminders and virtual accounts are issued by the platform.
Request a demo
Ready to unlock working capital?
Nigerian businesses use Reciiva to convert outstanding invoices into cash and streamline their supply chain finance operations. Request a personalised demo or sign up and get started today.
Frequently asked questions
Answers to the questions that matter most
Get started today
Start unlocking liquidity today
Join Nigerian suppliers, anchor buyers, and lenders already using Reciiva to optimise cash flow across their supply chains. Sign up in minutes — no commitment required.
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