What makes an invoice eligible for financing?
Terarchy considers the supplier, buyer, invoice, supporting records, payment rights, transaction risk, and available capital before an opportunity may proceed.
Business eligibility
The supplier must be a verifiable business with a completed sale.
- Has delivered goods or services
- Issues commercial invoices
- Sells to established or reputable buyers
- Can provide appropriate business and transaction records
- Can complete required identity, business, and compliance verification
Invoice characteristics
The receivable should be identifiable and supported.
- Relates to a genuine completed commercial transaction
- Remains unpaid and has clear payment terms
- Identifies the supplier, buyer, amount, and due date
- Has appropriate evidence supporting delivery or performance
- Has not already been financed elsewhere unless expressly permitted
Supporting records
Documents should show what was agreed and delivered.
Requirements vary by transaction, so Terarchy may request additional evidence.
- Purchase order or contract
- Delivery note or proof of delivery
- Receipt or statement of account
- Payment-history evidence
- Other records relevant to the transaction
Buyer considerations
The buyer's ability and willingness to pay matter.
Repayment may depend substantially on the buyer paying the receivable. Terarchy therefore reviews available buyer identity, business, payment, relationship, exposure, and transaction information where appropriate.
Buyer confirmation or acknowledgement may be required. These checks support a decision but do not eliminate buyer payment risk.
Verification and funding
Eligibility is assessed throughout the transaction.
Review can include supplier verification, buyer review, invoice review, document integrity, payment acknowledgement, transaction risk, compliance, and funding availability.
Have a documented unpaid invoice?
Create a supplier account to submit it for review.
