Platime

What Platime does

PlatiMe (legal entity Plati me d.o.o., OIB 39407561510) is a privately held Croatian digital peer-to-peer marketplace that enables businesses to sell unpaid e-invoices before maturity and investors to purchase those receivables at a discount for short-term returns. Founded in 2021 and operating exclusively in Croatia, the platform connects invoice issuers, invoice recipients (debtors), and investors in a fully digital workflow that delivers seller payouts within 24 hours of contract signing and investor returns typically within 30-60 days of invoice maturity.

The platform is built on three foundational integrations. It pulls e-invoices directly from the mer (Moj eRačun) system, which handles over 250,000 e-invoices monthly and roughly 1 million private-sector documents, allowing sellers to list receivables in a few clicks. It uses the mojBI business intelligence service for creditworthiness verification across 300,000+ Croatian businesses with 60+ financial indicators, providing the risk layer investors rely on. Contracts are executed digitally using either the AKD eOI advanced electronic signature or FINA PKI digital certificates, giving transactions full legal evidentiary weight. The platform supports two trading floor configurations (Standard with prior debtor confirmation and Conditional with subsequent approval) and a Right of First Refusal feature that lets invoice recipients discount-purchase their own debts.

PlatiMe generates revenue through transaction commissions on completed invoice sales, with separate fee schedules for sellers and recipients published on its pricing page. Its go-to-market is primarily self-serve digital acquisition via app.platime.hr, supplemented by content marketing, social media presence on Facebook and LinkedIn, earned media in Croatian business publications, and natural referral from the mer e-invoice ecosystem. Customers are predominantly Croatian SMBs (manufacturing, construction, trading, consulting, project management) with selective public-sector adoption (Grad Split). Prior to launch, PlatiMe secured a Hanfa opinion confirming its model is not subject to Hanfa supervision, operating instead as a digital bulletin board under Croatia's Factoring Act framework.

Name

Platime

Legal name

Plati me d.o.o.

Website

https://platime.hr

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

PlatiMe is a Croatian digital P2P marketplace that enables businesses to sell unpaid e-invoices before maturity for cash within 24 hours, and lets investors purchase those receivables at a discount for short-term returns. It serves Croatian SMBs and public-sector contracting authorities, integrating with the mer e-invoice system and mojBI credit intelligence.

Ownership category

akta.pro rank

Product category

Invoice Trading Marketplace

NAICS

Sales Financing (52222)

SIC

Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Invoice Trading / Receivables Marketplace (P2P) (FSAKAHAH)

akta.pro secondary industry

Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB)

Keywords

• Invoice trading marketplace
• Receivables financing
• Peer-to-peer factoring
• E-invoice discounting
• Alternative SMB financing

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Transaction Commission: PlatiMe charges fees for transactions on the platform. The pricing page (cjenik) outlines fees for sellers (pošiljatelji) and recipients (primatelji). Revenue is generated through take rates on completed invoice sales.
2. Platform Services: Revenue generated from providing the digital infrastructure platform that connects invoice sellers with investors, charging for the transaction facilitation services

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

PlatiMe is a Croatian digital peer-to-peer marketplace that connects businesses holding unpaid e-invoices with investors seeking short-term returns. Sellers list invoices directly from the mer e-invoice system, receive competitive bids from investors, sign contracts digitally, and obtain payouts within 24 hours. Investors purchase receivables at a discount and earn returns when the invoice matures (typically within 30-60 days). All participants are credit-checked via the mojBI business intelligence service covering 300,000+ Croatian entities.

Product overview

PLATIme is a Croatian digital P2P (peer-to-peer) platform for accounts receivable financing, consisting of the core PLATIme Platform as the main marketplace, supplemented by two primary service modules: the Invoice Collection Service (Naplata potraživanja) for sellers seeking early payment, and the Receivables Purchase (Otkup potraživanja) for investors seeking returns. The platform is positioned as an alternative to traditional factoring and is branded as Digitalni faktoring (digital factoring). Key differentiators include the Right of First Refusal feature allowing recipients to purchase their own invoices, direct integration with the mer/m Moj eRačun system for seamless invoice listing, and connection to the mojBI business intelligence service for creditworthiness verification.

Differentiator

Problem solved

Functional benefit

Products and services

• PlatiMe Platform Digital P2P marketplace platform connecting Croatian businesses seeking capital (sellers of receivables) with investors seeking returns (buyers of receivables). Sellers list unpaid e-invoices directly from the mer system, receive competitive bids, sign contracts digitally, and obtain payouts within 24 hours; investors purchase receivables at a discount and earn returns at maturity (typically within 30-60 days). All participants are credit-checked via mojBI.
• Digital Factoring (Digitalni faktoring) Alternative to traditional factoring that digitizes and streamlines the accounts receivable collection process. Enables Croatian companies to monetize unpaid receivables without requiring bank loans or credit facilities, with contracts generated and signed digitally within the platform.
• Invoice Collection Service (Naplata potraživanja) Service enabling Croatian businesses to sell their issued e-invoices before maturity. Companies list invoices on the platform and receive payment within 24 hours after digital contract signing, avoiding lengthy 30-60 day waiting periods.
• Receivables Purchase (Otkup potraživanja) Investment service allowing investors to purchase unpaid e-invoices at a discount. Investors browse available invoices, see expected returns and due dates, and earn profit when the invoice is paid at full value upon maturity (typically within 30-60 days).

Quantifiable outcome

• Invoice payout within 24 hours of signing
• +5 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and support.

• Hanfa (Croatian Financial Services Supervisory Agency)coreStrategic or Co-development Partner · 6 May 2021Prior to platform launch, PlatiMe sought Hanfa's opinion on their business model. Hanfa confirmed that PlatiMe and its business model are not subject to Hanfa supervision, positioning the platform as a digital bulletin board connecting capital supply and demand. The company states readiness to technically integrate with Hanfa if needed for regulatory reporting.
• mer (Moj eRačun)coreTechnology or IntegrationPlatiMe is integrated with the mer e-invoice system, allowing sellers to post their invoices to the platform directly from their e-invoice account. The mer system handles over 250,000 e-invoices monthly and provides the foundational data flow for the PlatiMe marketplace. This integration is essential for the platform's operation as it provides the source of tradeable invoices.
• mojBIcoreTechnology or IntegrationIntegration with mojBI business intelligence service provides creditworthiness verification for all platform participants. The service covers over 60 financial indicators for more than 300,000 business entities in Croatia and automatically alerts about negative business indicators. This provides the risk assessment layer essential for investor confidence.
• AKD (Croatian identity documents issuer)supportTechnology or IntegrationPlatform uses AKD's electronic identity (eOI) for advanced electronic signatures on contracts. This enables legally binding digital contract signing without physical presence.
• FINA (Croatian Financial Agency)supportTechnology or IntegrationPKI digital certificates from FINA can be used for electronic signature on platform contracts, providing an alternative to eOI for contract authentication.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• BlueVine: Established US-based online lending platform specializing in invoice factoring and lines of credit for SMBs. Comparable on invoice financing product and SMB target market, but operates as a broader incumbent with capital provider model rather than a pure P2P marketplace.
• Funding Circle: Major global P2P lending platform primarily for SMB term loans, with invoice and working capital finance offerings. Comparable on P2P intermediation model and SMB target market, though broader in product scope than PlatiMe.
• Mintos: European P2P marketplace lending platform aggregating consumer and business loans from multiple originators. Comparable on P2P intermediation model but broader in scope (multi-asset class) than PlatiMe's invoice-only focus.

Direct peers

• Defacto: French invoice financing platform offering API-first receivables financing for SMBs. Comparable to PlatiMe on invoice financing product, SMB target market, and digital/instant decisioning model, though operating in a different geography.
• Lenco: Digital invoice financing platform providing SMBs with upfront cash against outstanding invoices. Comparable on invoice factoring product and SMB cash flow pain point, though primarily operating in different geographies.
• MarketInvoice: UK-based P2P invoice trading platform connecting businesses needing working capital with institutional and individual investors. Most directly comparable to PlatiMe by product (invoice discounting marketplace), two-sided model, and short-tenor investment characteristics.
• Crowdz: Invoice and receivables financing marketplace using blockchain rails to connect businesses with funders. Comparable to PlatiMe on invoice trading marketplace mechanics and SMB financing focus.
• Kikin: Invoice financing marketplace enabling SMBs to sell receivables for immediate cash. Closely aligned with PlatiMe's core product of invoice trading on a digital two-sided platform.

Regional players

• Crowdpear: Croatian P2P lending platform connecting investors with SMB borrowers in Croatia and the region. Comparable as a domestic Croatian marketplace lending peer in the same geography, though focused on term loans rather than invoice trading.

Emerging players

• Treyd: Emerging Nordic invoice financing platform offering short-term working capital to SMBs via digital invoice purchases. Comparable to PlatiMe on invoice financing product and digital onboarding, but serving a different region.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PlatiMe.platforma
• LinkedInlinkedin.com/company/platime

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Platime