Advance against receivables you can verify.
Invoice finance lives or dies on the quality of the debtor book. Credit Canary reads the business account to confirm who actually pays, how quickly and how reliably, so you advance against real receivables and price dilution with evidence.
The debtor book, verified
The old way trusts the schedule. The AI way checks who really pays.
- Debtor quality taken from a submitted schedule
- Dilution and late payers found after the advance
- Fraudulent or circular invoices hard to spot
- Concentration risk hidden in the ledger
- Real incoming payments matched to debtors
- Payment timing and dilution read from the feed
- Circular or owner-related flows surfaced
- Concentration and reliability scored per payer
AI across the invoice-finance lifecycle
From debtor assessment to ongoing collection.
Debtor assessment
Confirm who pays and how reliably from real incoming transactions.
Advance
Set advance rates on verified receivables, not an unchecked schedule.
Dilution
Read credit notes, late payment and disputes as they appear.
Monitoring
Track the ledger live and flag deterioration early.
The business account, turned into a debtor view
The Open Banking enrichment behind our wider work, applied to incoming receivables.
Insight from across the platform
Invoice-finance decisions draw on the same modules and Open Banking depth as the rest of Credit Canary.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability assessment
Turning real cashflow into a sustainable lending decision.
Decisioning engine
Policy, data and models in one live, explainable decision.
Banking module
Connect business accounts and read categorised transactions.
Analytics
Portfolio trends and early-warning signals across the book.
All SME lending products
Term loans, revolving credit, invoice and asset finance, and more.
Advance against receivables you can prove.
See how Credit Canary verifies a debtor book from a live business account.