Reciiva — Supply Chain Finance Marketplace

For Anchor Buyers · Corporates & Procurement Leaders

Your suppliers
are struggling.
You don't have to be the reason.

Reciiva lets your supplier network access early payment against validated invoices — without touching your treasury, your payment terms, or your AP team's workflow.

Request a Pilot Briefing

₦0

Balance sheet exposure

Process changes for your AP

48h

Suppliers paid, not 90 days

"Your suppliers are struggling with 60–90 day payment terms. That churn costs you onboarding time and quality. Reciiva lets them access early payment without changing anything on your side."

Core Value Proposition

Why anchor buyers choose Reciiva

Retain quality suppliers

Suppliers who can't survive your payment cycle leave. Reciiva keeps them solvent and loyal without you changing a thing.

Zero balance sheet risk

Third-party lenders fund the invoices directly. Reciiva's marketplace model means you never co-mingle funds or carry financing liability.

Dashboard-native validation

Invoice validation and PO-matching happen inside your Reciiva dashboard. Your AP team's workflow is completely untouched.

Full audit trail

Every approval, validation, and payment is timestamped and logged. Complete compliance visibility at your fingertips.

How It Works For You

Five steps — most anchors are live within a week

You onboard once

Your procurement team sets up your Reciiva account. White-glove setup — no IT project required.

Suppliers submit invoices

Your existing suppliers can either sign up independently or receive a personalised invite from you, and upload invoices directly — pre-linked to your account.

You approve in seconds

PO-matched invoices appear in your dashboard for one-click validation. No paperwork, no back-and-forth.

Lenders fund the gap

Validated invoices are funded by Reciiva's lender network. Your supplier is paid within 48–72 hours.

You repay on your normal date

Nothing changes about when you pay. The lender is repaid directly on the invoice due date, per your existing terms.

Common Questions

Answers for procurement teams

Does this affect our credit rating?

No. This is supply chain finance — off-balance-sheet for you. Lenders fund against the invoice, not against your credit facility.

What if a supplier defaults?

The credit risk sits with the lender and is priced into their rate. Your repayment obligation is unchanged — you pay on the original invoice date as always.

How long does onboarding take?

Early pilot anchors get a named account manager and white-glove onboarding. Most companies are live within one week.

Get Started as an Anchor Buyer

For Suppliers & SMEs · Finance Managers & Founders

You've done the work.
Get paid in 48 hours, not 90 days.

Your invoice is already an asset. Reciiva connects it to lenders who compete to fund you — no collateral, no bank application required.

Claim Early Access

48h

Average time to payout

₦0

Collateral required

Multi

Competing lender offers

"Your buyer is on Reciiva. Submit your next invoice and get paid in 48–72 hours instead of waiting 90 days. No collateral. No bank loan application. Your invoice is your asset."

Core Value Proposition

Why suppliers choose Reciiva

Cash when you need it

Stop bridging gaps with expensive overdrafts. Get paid on your timeline, not your buyer's 90-day cycle.

No collateral, ever

Reciiva scores your invoice against your buyer's creditworthiness — not your personal assets or property.

Competitive offers

Multiple lenders see your invoice and compete. You compare offers and accept the best rate — you're in control.

Build a funding track record

Each funded invoice improves your credit memo. Future deals unlock better rates and faster approvals.

Your Journey

From invoice to cash in five steps

Sign up via your buyer's invite or self sign-up

Your buyer can send you a personalised link already connected to their account, or you can sign up independently. KYC takes minutes.

Upload your invoice

Submit the invoice, PO, and any supporting documents. The platform validates against your buyer's records automatically.

Buyer approves in seconds

Your buyer gets a one-click validation notification. Most approvals happen within hours.

AI scores your deal

Reciiva's credit engine generates a full credit memo — analysing invoice strength, your supplier history, and buyer payment track record.

Pick your best offer, get funded

Lenders compete and send offers. You accept, and the funds hit your account within 48–72 hours.

Common Questions

Answers for finance managers & founders

What does it cost me?

A 0.25% platform fee is deducted from your disbursement. The lender's discount rate is shown clearly before you accept any offer — no hidden charges.

What if my buyer hasn't signed up yet?

When you want to submit an invoice, you can enter your buyer's procurement email directly on the platform. Reciiva will send them a validation request — they don't need to be a registered user for the process to begin.

Is my financial information secure?

All data is encrypted in transit and at rest. KYC documents are processed with AML checks and stored in a compliant, audit-logged environment.

Get Started — It's Free

For Lenders & Investors · Institutions, Family Offices, HNWIs

Pre-scored receivables.
You deploy. We handle the rest.

Every invoice that reaches your queue has already been anchor-validated and AI-scored. You're not originating deals — you're selecting from a curated pipeline of verified corporate payment obligations.

Request a Private Briefing

30–90d

Average deal tenor

100%

Anchor-validated before you see it

Credit scored, every deal

"Every invoice on Reciiva is anchor-validated and credit-scored before it reaches your queue. You're not lending against a promise — you're buying a claim on a corporate payment obligation."

Core Value Proposition

Why lenders choose Reciiva

Pre-qualified deal flow

You only see invoices that have passed PO-match, anchor approval, and AI credit scoring. No origination burden on your side.

Set your own rate floor

Define your minimum return, anchor preferences, supplier grade thresholds, and deal-size limits. Reciiva matches accordingly.

Short-tenor, structured returns

30–90 day tenors mean capital recycles quickly. Returns are predictable and tied to invoice tenor — not market sentiment.

Live portfolio dashboard

Track active deals, repayment dates, and total capital deployed in real time — before you even commit a facility.

How The Deal Flow Works

From soft-commit to funded deal

Soft-commit a facility

Define your capacity (₦10M–₦500M+), your preferred anchor sectors, and your rate floor. Early commitments get first-look matching priority.

Deals arrive in your queue

Eligible invoices matching your criteria appear in real time — with full AI credit memo, anchor payment track record, and supplier history.

Send, revise, or negotiate

Submit your funding offer rate. Suppliers can accept, reject, or refer back. Full offer versioning is logged for compliance.

Repayment confirmed

On the invoice due date, the anchor repays. Reciiva confirms collections and updates your portfolio with capital and accrued return.

Common Questions

Answers for your credit team

What if an anchor defaults on repayment?

Anchors are large corporates with established payment histories. Reciiva's scoring engine prices expected loss into the rate floor for every deal.

Can institutions participate?

Yes. Tier 1 banks, DFIs (NIRSAL, BOI), and licensed alternative lenders are all eligible. Individual investors deploying ₦10M+ are managed through the platform admin channel.

What's the minimum commitment?

Soft-commits start at ₦10M for family offices and HNWIs. Institutional facilities are structured individually — we'll arrange a dedicated briefing for your credit team.

₦250M+

Target pre-launch capacity

48h

Max funding window post-approval

0.75%

Platform fee on repayment

Get Started as a Lender

Where Invoices Become Liquidity

Built for scale from day one

From invoice to funded in five steps

Submit Invoice

Anchor Validates

AI Scores

Lender Offers

Funded & Repaid

Built for every party in the chain

Unlock Early Payment

Strengthen Your Supply Chain

Deploy Capital with Confidence

Full Marketplace Control

Everything you need, nothing you don't

AI Credit Analysis

Multi-lender Marketplace

Real-time Offer Negotiation

KYC & Document Compliance

Immutable Audit Trail

Email & In-App Notifications

Transform how your supplychain accesses capital

Your suppliersare struggling.You don't have to be the reason.

Why anchor buyers choose Reciiva

Retain quality suppliers

Zero balance sheet risk

Dashboard-native validation

Full audit trail

Five steps — most anchors are live within a week

You onboard once

Suppliers submit invoices

You approve in seconds

Lenders fund the gap

You repay on your normal date

Answers for procurement teams

You've done the work.Get paid in 48 hours, not 90 days.

Why suppliers choose Reciiva

Cash when you need it

No collateral, ever

Competitive offers

Build a funding track record

From invoice to cash in five steps

Sign up via your buyer's invite or self sign-up

Upload your invoice

Buyer approves in seconds

AI scores your deal

Pick your best offer, get funded

Answers for finance managers & founders

Pre-scored receivables.You deploy. We handle the rest.

Why lenders choose Reciiva

Pre-qualified deal flow

Set your own rate floor

Short-tenor, structured returns

Live portfolio dashboard

From soft-commit to funded deal

Soft-commit a facility

Deals arrive in your queue

Send, revise, or negotiate

Repayment confirmed

Answers for your credit team

Where Invoices
Become Liquidity

Transform how your supply
chain accesses capital

Your suppliers
are struggling.
You don't have to be the reason.

You've done the work.
Get paid in 48 hours, not 90 days.

Pre-scored receivables.
You deploy. We handle the rest.