What Investly does

Investly is an Estonia-founded invoice financing marketplace (operating as Investly Technologies OÜ, headquartered in Tallinn since 2013) that connects businesses needing working capital with individual investors seeking short-term, asset-backed returns. Businesses upload invoices (payment terms 15-180 days) from creditworthy debtors; Investly verifies the invoice with the debtor, then runs an auction in which investors bid, with investor returns up to 15% per annum on 15-290-day terms (45-day average). The platform operates in Estonia and the United Kingdom (Investly Ltd), and exposes live cumulative invoices funded of approximately £70.8M lifetime (£9.0M UK, €147.7M Estonia), with a reported 0.10% default rate on the Estonian portfolio 2018-2022 and a 75% Net Promoter Score among business customers.

The technology stack centers on an AI-assisted credit engine that consumes structured credit data from Creditinfo (Estonia), Experian and DueDil (UK), augmented by Open Banking integrations with HSBC, Barclays, RBS, Lloyds, and Santander (built under a Nesta Open Up Challenge grant in 2019). Investly offers three products: a direct invoice finance marketplace (self-serve for SMBs), an investor platform open to EEA residents and Estonian e-residents, and a white-label Investly Platform for banks, working capital providers, marketplaces, and accounting platforms offering embedded invoice discounting with optional credit insurance. Distribution combines a self-service online channel with a partner/embedded channel and content-led marketing (blog, PR in The Guardian, Forbes, Raconteur, Insider Media).

Investly monetizes through a transaction-based Agreement Fee paid by invoice sellers (percentage of invoice amount, minimum €50), plus economic exposure to the spread between investor returns and auction prices on funded invoices. The company is privately held, venture-backed by Speedinvest, Startup Wise Guys, and Founders Capital, with a 1-10 employee footprint and offices in Tallinn (Lai 35) and London (65 London Wall). Primary customer segments are manufacturing, wholesale, construction, logistics, and business services SMBs; the platform has been recognized via the Nesta Open Banking Prize.

Name

Investly

Legal name

Investly Technologies OÜ

Website

https://investly.co

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Investly is an Estonian-headquartered invoice financing marketplace connecting SMBs (manufacturing, wholesale, construction, logistics, business services) with individual investors via auction-based pricing, operating in Estonia and the UK with a white-label partner platform.

Ownership category

akta.pro rank

Product category

Invoice Financing / Marketplace Lending

NAICS

Securities and Commodity Contracts Intermediation and Brokerage (5231), Investment Banking and Securities Intermediation (523150), Miscellaneous Intermediation (52391)

SIC

Short-Term Business Credit Institutions (6153), Loan Brokers (6163)

akta.pro primary industry

Invoice Trading / Receivables Marketplace (P2P) (FSAKAHAH)

akta.pro secondary industries

Invoice Financing & Factoring (FSAKAGAC), Invoice Factoring & Receivables Finance Brokerage (FSAEAEAO), E-Invoicing & Invoice Presentment (B2B/B2G) (FSAMAJAF)

Keywords

• Invoice financing
• Marketplace lending
• Working capital
• Invoice discounting
• Peer-to-peer lending

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Agreement Fee (Transaction Fee): Fee paid by invoice sellers to Investly for mediating the conclusion of factoring agreements. Calculated as a percentage of the invoice amount with a minimum fee of EUR 50.
2. Interest spread: Platform facilitates interest payments from invoice buyers to investors (up to 15% per annum), with Investly capturing spread through its auction mechanism.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Investly operates an invoice financing marketplace that enables businesses to convert outstanding invoices into immediate working capital by selling them through an auction-based mechanism to a network of individual and institutional investors. Investors earn returns of up to 15% per annum on short-term invoice investments averaging 45 days. The company also licenses its technology as a white-label invoice finance platform for institutional partners including banks, working capital providers, marketplaces, and accounting/e-invoicing platforms.

Product overview

Investly operates as a multi-component invoice finance ecosystem consisting of three core offerings: (1) the core Investly Invoice Finance marketplace enabling businesses to sell invoices through auctions to investors for immediate working capital, (2) the Investly Investor Platform allowing individuals (including e-residents) to invest in invoices for returns up to 15% per annum, and (3) the Investly Platform - a white-label/institutional offering for banks, working capital providers, marketplaces, and accounting platforms to embed invoice finance into their own services. The platform leverages Open Banking connectivity for credit surveillance and employs AI-assisted credit decisioning through its proprietary smart credit engine.

Differentiator

Problem solved

Functional benefit

Products and services

• Investly Invoice Finance Primary invoice financing marketplace that connects businesses with working capital needs to individual and institutional investors. Businesses upload invoices (with 15-180 day payment terms), the invoices go through auction-based pricing, and approved sellers receive cash credited to their account, typically within 1-3 working days.
• Investly Investor Platform Self-serve investment platform enabling individuals to invest in invoices with terms of 15-290 days (average 45 days) and earn returns up to 15% per annum in either Euro or Pound invoices across Estonian and UK markets, with no investing fees.
• Investly Platform (Partner / White-Label) White-label / embedded invoice finance platform that enables banks, working capital providers, retail and wholesale online marketplaces, and accounting/e-invoicing platforms to offer invoice discounting to their business customers. Includes the smart credit engine, invoice verification system, Open Banking-based credit surveillance, and compliance with AML/KYC, GDPR, and PSD2.

Quantifiable outcome

• 75% Net Promoter Score
• +4 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• CreditinfocoreTechnology or IntegrationCredit scoring agency providing credit ratings and probability of default scores for businesses in Estonia (Creditinfo Estonia AS)
• ExperiancoreTechnology or IntegrationUK credit scoring agency used for credit ratings in the United Kingdom market
• DueDilcoreTechnology or IntegrationUK company information and credit data provider used for background checks on UK businesses
• UK Trade & Investment (UKTI)minorGTM or Marketing PartnerUK government trade organization supporting international business expansion
• Finance EstoniaminorStrategic or Co-development PartnerEstonian fintech industry association
• Redgate CapitalminorStrategic or Co-development PartnerEstonian investment and consulting firm
• Eesti Väike- ja Keskmiste Ettevõtjate Assotsiatsioon (EVEA)minorStrategic or Co-development PartnerEstonian Small and Medium Enterprises Association

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• MarketInvoice: UK-headquartered invoice financing marketplace that connects businesses seeking working capital with institutional and individual investors. Now part of the Funding Circle group, MarketInvoice operates an auction-based invoice discounting model almost identical to Investly's core marketplace, serving the same UK SMB customer base.
• Taulia: Supply chain finance and invoice discounting platform that connects buyers, suppliers, and capital providers through a marketplace. Operates globally with deeper enterprise focus than Investly, but shares the same core model of intermediating invoice-based working capital financing between businesses and funders.
• BlueVine: US-based fintech offering invoice factoring and lines of credit to SMBs through a technology-driven platform. While US-focused and balance-sheet funded rather than marketplace-based, BlueVine serves the same SMB invoice-financing use case and competes for the same customer pain points.
• Fundbox: US SMB-focused working capital platform that uses invoice data and bank-account connectivity to underwrite short-term advances. Shares Investly's reliance on Open Banking-style bank-data integration for credit decisioning and targets similar SMB segments.
• C2FO: Global working capital marketplace that allows suppliers to accelerate invoice payment at a discount funded by buyers or capital providers. Operates a similar marketplace-matching model for invoice financing at much larger scale; comparable in product mechanics to Investly's invoice discounting marketplace.
• Funding Circle: UK-listed P2P/business lending marketplace that, post-MarketInvoice acquisition, directly competes with Investly in invoice financing while also extending to broader SMB term loans. Operates the same two-sided model (businesses seeking capital, investors seeking yield) with an institutional-grade technology platform.

Broad incumbents

• OakNorth Bank: UK specialist bank providing lending and working-capital solutions to SMBs and property developers, including invoice-backed facilities. Represents the regulated-banking competitor that marketplace lenders like Investly compete against for SMB working-capital wallet share.
• Bibby Financial Services: One of Europe's largest invoice financing and factoring incumbents, offering invoice discounting, factoring, and asset-based lending to SMBs across multiple markets including the UK. A traditional balance-sheet-funded competitor that Investly's marketplace model aims to disrupt.

Regional players

• KredX: India's leading invoice discounting marketplace, connecting businesses with investors (including banks and HNIs) seeking short-term returns on receivables. Operates a comparable P2P/marketplace invoice financing model serving similar SMB verticals.
• Youdian (formerly Crowdo): Cross-border P2P lending and invoice financing platform with operations across Southeast Asia. Comparable to Investly in marketplace model and SMB/invoice financing focus, but serves a different geographic region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/investly_co
• YouTubeyoutube.com/channel/UCp458d3Cv4tVyHc1LvYOa2Q
• Facebookfacebook.com/investly
• LinkedInlinkedin.com/company/investly

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds5 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Investly