B2B Receivables & Financial Infrastructure

Receivables
in Motion.

Invifacto is developing infrastructure that connects businesses holding unpaid commercial invoices with independent factoring institutions interested in purchasing eligible receivables. Starting with Canadian freight and trucking.

I have unpaid invoices →I'm a factoring institution →

Currently establishing institutional relationships. Live invoice-purchase services are not yet available.

Why Invifacto

One infrastructure layer. Two sides of a real market.

When businesses finish work but customers pay later, unpaid commercial invoices can tie up working capital. Factoring institutions may purchase qualifying receivables. Invifacto is building a more structured way for these parties to find each other and assess opportunities.

Built around the invoice

Our intended workflow focuses on the underlying B2B transaction, its commercial debtor, supporting delivery documents, payment terms and potential claims.

Institution-led decisions

Independent purchasers retain control over eligibility, due diligence, pricing, contracting, funding, and collection arrangements.

Infrastructure, not lending

Invifacto does not currently lend money or purchase receivables. Our proposed revenues come from separately agreed referral, transaction and technology services.

For businesses

Completed the work. Waiting to be paid?

Our initial focus is Canadian freight and trucking companies that issue invoices after completed deliveries. We are studying how to connect eligible invoice sellers with participating independent factors.

Typical evidence may include the commercial invoice, rate confirmation and bill of lading or proof of delivery.
An institution may review debtor creditworthiness, disputes, prior assignments and any existing factoring agreement.
Actual purchase prices, advances, fees, timing and eligibility depend on the institution's offer.

Contact the freight team

Pre-launch inquiries

Tell us about your business

We currently accept initial business inquiries by email. Please share only your company name, general service category and a business contact address—not invoices or financial documents.

freight@invifacto.com →

For factoring institutions

A proposed origination and verification channel.

We are inviting conversations with institutions that purchase Canadian commercial receivables, especially freight invoices. We aim to understand each purchaser's criteria before enabling any matching or onboarding workflow.

Topics for partnership discussions: target industries and regions, invoice-size criteria, acceptable documentation, debtor underwriting, liens/assignments, recourse terms, referrals and API integration preferences.

Partnership discussions

Explore an institutional relationship

Invifacto is seeking institutional feedback and potential referral or technology partnerships. No institution is represented as an active integrated buyer unless an agreement is signed.

Discuss a partnership →

Planned transaction flow

From verified invoice to institutional offer.

Submit & document

The business will provide its invoice and supporting delivery information through a future secure portal.

Review & match

Relevant information will be assessed and presented only to eligible participating institutions under appropriate permissions.

Offer & purchase

The institution will make any purchase decision, set terms and handle funding and collection under its agreement.

Let's move receivables forward.

For business inquiries, institutional partnerships and general questions, our team can be reached using our professional email addresses.

We are developing our first product in Canada, starting with freight factoring.

Invifacto

General: contact@invifacto.com
Institutions: partners@invifacto.com
Freight: freight@invifacto.com
Support: support@invifacto.com

Please do not email sensitive financial documents. No live support chat or secure document portal is available yet.