Demica
Demica is a London-based supply chain finance platform connecting corporate treasurers to over 250 global funders for receivables finance, securitization, payables finance, and dynamic discounting solutions. It was acquired by FIS in February 2025.
- Company typePrivate
- Founded1999
- HeadquartersLondon, United Kingdom
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Demica does
Demica is a London-based fintech company founded in 1999 that provides cloud-native supply chain finance and working capital solutions to large corporations, private equity sponsors, and financial institutions. The company's platform connects corporate treasurers and CFOs to a network of over 250 global funders, enabling flexible deal structures across four product modules: receivables finance, trade receivables securitization, payables finance, and dynamic discounting. A secondary Bank Supply Chain Finance Platform enables financial institutions to deliver these solutions to their own corporate clients under a white-label model. Demica Finance Limited is authorized and regulated by the UK Financial Conduct Authority (FRN 728209).
The platform architecture is built on cloud-native technology with automated reporting dashboards providing real-time portfolio visibility, and integrates with existing client ERP and treasury systems. Bespoke structuring capability is evidenced by complex off-balance sheet deals such as the $215 million funding solution designed for TreviPay, combining receivables finance and securitization products. The go-to-market motion is enterprise field sales targeting CFOs and corporate treasurers at large organizations, with multi-year contracts and custom pricing negotiated based on program structure and transaction volume.
Demica generates revenue through transaction and program management fees across its four product lines. The company raised approximately $70 million across three funding rounds between 2014 and 2020, with investors including Simcah Management, JRJ Group, 76 west Holdings, International Finance Corporation, and Wyelands Bank. In February 2025, FIS (Fidelity National Information Services) acquired Demica for approximately $300 million, integrating the platform into its Supply Chain Finance Suite and extending reach through FIS's global enterprise sales organization.
Demica firmographics
Firmographics- Name
- Demica
- Legal name
- Demica Finance Limited
- Website
- https://demica.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Acquired
- Headcount range
- 251–500 employees
- Short description
- Demica is a London-based supply chain finance platform connecting corporate treasurers to over 250 global funders for receivables finance, securitization, payables finance, and dynamic discounting solutions. It was acquired by FIS in February 2025.
- Ownership category
- akta.pro rank
Demica industry classification
Industry- Product category
- Supply Chain Finance Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Short-Term Business Credit Institutions (6153), Asset-Backed Securities (6189), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Prime Financing & Credit Intermediation (Institutional) (FSADAJAH)
- akta.pro secondary industries
- Treasury & Liquidity Operations (Cash Positioning, Funding, Collateral Ops) (FSABALAH), Prime Custody Integration & Tri-Party Workflows (FSADAJAL)
Keywords
Where Demica is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Demica business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Receivables Finance: Platform enables companies to sell trade receivables to funders at a discount, generating fee income from transaction facilitation and structuring services
- Trade Receivables Securitization: Structuring and distributing diversified receivables pools to capital markets, generating fees from transaction structuring, distribution, and ongoing program management
- Payables Finance Program Management: Facilitates extended payment terms programs for corporates, managing supplier onboarding and ledger remittance with fee-based or spread-based revenue
- Dynamic Discounting: Enables early invoice settlement using corporate excess cash, generating revenue through negotiated discount capture and program management fees
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom enterprise pricing based on program structure and transaction volume |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Demica product offering
Product offeringCore offering
Demica delivers a cloud-native supply chain finance platform that connects corporate treasurers and CFOs to a global network of 250+ funders to unlock working capital from trade receivables. Its core offerings span receivables finance, trade receivables securitization, payables finance, and dynamic discounting, structured as bespoke, often off-balance sheet, funding programs with automated reporting and ERP/treasury system integration. A separate platform is also offered to banks and financial institutions to deliver these capabilities to their own corporate clients.
Product overview
FIS (formerly Demica) offers the Supply Chain Finance Suite as its core platform, which provides working capital solutions for corporates through four integrated modules: Receivables Finance (for unlocking cash from outstanding invoices), Trade Receivables Securitization (for capital markets access), Payables Finance (for supplier liquidity and extended payment terms), and Dynamic Discounting (for optimizing excess cash). The platform connects corporate treasurers to over 250 global funders through cloud-native technology with flexible deal structures and automated reporting. A separate Bank Supply Chain Finance Platform enables financial institutions to deliver these solutions to their own corporate customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Supply Chain Finance Suite Cloud-native platform connecting CFOs and corporate treasurers to a network of over 250 global funders, enabling flexible deal structures, transparent reporting, and automated processes for working capital optimization through receivables finance, securitization, payables finance, and dynamic discounting. Targeted at large multinational corporations and financial institutions.
- Supply Chain Finance Platform (for Banks)
Quantifiable outcome
- Organizations can improve cash flow by selling trade receivables before maturity
- +3 more outcomes
Companies that use Demica
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Demica technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Demica partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- FIScoreDemica was acquired by FIS (Fidelity National Information Services) in February 2025 for approximately US$300 million. Demica now operates under the FIS brand as the Supply Chain Finance Suite, enabling FIS to offer enhanced trade receivables finance and working capital optimization solutions to its corporate customer base.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Demica competitors and assessment
Company assessmentDirect peers
- PrimeRevenue: PrimeRevenue operates a global supply chain finance platform serving mid-market and enterprise corporates, providing receivables and payables finance programs. It is one of the longest-standing direct peers to Demica in the multi-funder SCF platform category.
- Orbian: Orbian is a supply chain finance platform offering working capital solutions including receivables finance and payables finance to global corporates. It is a direct competitor in the multi-funder SCF platform space.
- Traxpay: Traxpay provides a dynamic discounting and supply chain finance platform for European corporates and banks. It competes directly with Demica's payables finance and dynamic discounting modules, particularly in the European enterprise segment.
- C2FO: C2FO runs the world's largest dynamic discounting and working capital network, enabling corporates to accelerate supplier payments. It directly overlaps with Demica's dynamic discounting and payables finance offerings, competing for the same CFO and treasurer buyer.
- Taulia: Taulia is a direct competitor in supply chain finance and dynamic discounting, offering working capital solutions connecting corporates to a network of funders. Acquired by SAP, it competes head-to-head with Demica's payables finance and dynamic discounting modules.
- Marco Polo Network: Marco Polo Network is a trade finance and working capital platform connecting corporates and banks on a single network. It is a direct peer in the trade and supply chain finance platform category, serving similar CFO and treasurer buyer personas.
Emerging players
- Kyriba: Kyriba is a cloud treasury management platform with working capital and connectivity modules. While broader than Demica, its receivables and liquidity features increasingly overlap with Demica's treasury-focused offerings, making it an emerging competitor in the corporate treasury technology stack.
- HighRadius: HighRadius provides AI-powered receivables and treasury automation for mid-market and enterprise corporates. Its order-to-cash and treasury solutions increasingly intersect with Demica's receivables finance and reporting capabilities.
Broad incumbents
- JPMorgan Working Capital Solutions: JPMorgan offers integrated working capital, receivables, and supply chain finance solutions through its Payments business. As a global bank with proprietary funding capabilities, it competes with Demica for enterprise SCF mandates at the largest scale.
- HSBC Trade and Supply Chain Finance: HSBC operates a large proprietary trade and supply chain finance business serving global corporates with deep balance-sheet funding. As both a potential funder in Demica's network and a competing provider, HSBC represents a broad incumbent in the SCF space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Demica social profiles
Digital presenceDemica compliance and trust
Trust signalCompliance1 record
Demica financial estimates
Financial estimateRevenue estimate
Valuation estimate
Demica leadership team
Management profileNumber of profiles
Profiles7 records
Demica funding detail
Funding detailFunding overview
Funding rounds3 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Demica M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Demica
What does Demica do?
Demica delivers a cloud-native supply chain finance platform that connects corporate treasurers and CFOs to a global network of 250+ funders to unlock working capital from trade receivables. Its core offerings span receivables finance, trade receivables securitization, payables finance, and dynamic discounting, structured as bespoke, often off-balance sheet, funding programs with automated reporting and ERP/treasury system integration. A separate platform is also offered to banks and financial institutions to deliver these capabilities to their own corporate clients.
Is Demica a public or private company?
Demica is a private company. It is classified as corporate owned and is currently acquired.
When was Demica founded?
Demica was founded in 1999. It employs 251 to 500 people.
Where is Demica based?
Demica is headquartered in London, United Kingdom, in the Europe region.
How does Demica make money?
Four revenue lines are on record. Receivables Finance is the primary driver. The others are trade Receivables Securitization, payables Finance Program Management and dynamic Discounting.
Who are Demica's main competitors?
Direct peers on record are PrimeRevenue, Orbian, Traxpay, C2FO, Taulia and Marco Polo Network. Emerging players are Kyriba and HighRadius. Broad incumbents are JPMorgan Working Capital Solutions and HSBC Trade and Supply Chain Finance.
Does Demica have an API?
No public API is recorded for Demica.
What industry is Demica in?
Demica's product category is Supply Chain Finance Software. Its primary akta.pro industry code is FSADAJAH, Prime Financing & Credit Intermediation (Institutional), with a secondary code of FSABALAH, Treasury & Liquidity Operations (Cash Positioning, Funding, Collateral Ops). Its NAICS code is 522320 and its SIC code is 6153.