Alternative finance that changes the rules

Inversa connects investors and companies through invoice financing. We are people investing in people.
Alternative finance promoting the real economy.

Get the most out of your savings

Obtain liquidity from your invoices

Invoice market.

Financed invoices

3218

Amount financed

18562500.86

Average returns

8.0549935949364

Heine + Beisswenger

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	96195.6 €
Interest rate	9.5%
Rating	INT 1
Credit opinion	1201000 €
Time period	26 days

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Köstner Stahl

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	68442 €
Interest rate	9.5%
Rating	INT 1
Credit opinion	2209000 €
Time period	26 days

0.424556%

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MANUEL ALVES

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	26045.6 €
Interest rate	9%
Rating	INT 1
Credit opinion	164500 €
Time period	87 days

0.140277%

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CONCELLO DE CABAÑAS

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	741 €
Interest rate	6%
Rating	AP
Credit opinion	€
Time period	30 days

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Concello de Cedeira

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	380 €
Interest rate	6%
Rating	AP
Credit opinion	€
Time period	30 days

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Enece Salud

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	8962.37 €
Interest rate	10%
Rating	14
Credit opinion	7000 €
Time period	72 days

0.267235%

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ORBE S.A

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	3106.49 €
Interest rate	9.5%
Rating	08
Credit opinion	200000 €
Time period	26 days

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CONSERVAS RIAS BAIXAS 1907 SL.

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	3081.41 €
Interest rate	9.5%
Rating	08
Credit opinion	80000 €
Time period	102 days

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MARFRIO - PRALISA

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	3093.87 €
Interest rate	8%
Rating	INT 1
Credit opinion	765000 €
Time period	44 days

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IBERENOVA PROMOCIONES , S.A.

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	6575.14 €
Interest rate	7%
Rating	17
Credit opinion	6000000 €
Time period	64 days

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SUMA

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	2904.64 €
Interest rate	10%
Rating	10
Credit opinion	5000 €
Time period	31 days

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CAÑA NATURE S.L.

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	2310.3 €
Interest rate	10%
Rating	07
Credit opinion	22000 €
Time period	44 days

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RKS FOOTWEAR

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	3013.98 €
Interest rate	10%
Rating	15
Credit opinion	590000 €
Time period	48 days

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Keira

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	2387.51 €
Interest rate	8%
Rating	14
Credit opinion	41000 €
Time period	84 days

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Calzados Donato

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	2185.28 €
Interest rate	9%
Rating	11
Credit opinion	7000 €
Time period	147 days

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Zapaterías Rony

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	1776.9 €
Interest rate	9%
Rating	11
Credit opinion	7000 €
Time period	55 days

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zapateria caprichos

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	1199.66 €
Interest rate	9%
Rating	11
Credit opinion	7000 €
Time period	55 days

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CALZADOS MARIA JOSE

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	2160.04 €
Interest rate	9.5%
Rating	10
Credit opinion	5000 €
Time period	55 days

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ART & GRAPHIC PACKAGING SL.

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	8674.13 €
Interest rate	10%
Rating	08
Credit opinion	49000 €
Time period	57 days

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INMOBILIARIA AFFE, S.L.

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	2090.28 €
Interest rate	9.5%
Rating	08
Credit opinion	14000 €
Time period	55 days

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Ministerio de Asuntos Economicos y Transformacion

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	1400 €
Interest rate	7%
Rating	AP
Credit opinion	€
Time period	148 days

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COSTAS Y MIÑAN, S.L.

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	5498.35 €
Interest rate	7.5%
Rating	13
Credit opinion	110000 €
Time period	33 days

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A PULPEIRA

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	2939.19 €
Interest rate	8.5%
Rating	10
Credit opinion	130000 €
Time period	75 days

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Pictro Moda

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	1764.18 €
Interest rate	8%
Rating	17
Credit opinion	18000 €
Time period	89 days

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MGCGROUP MEGACALZADO IBERICA

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	5412.33 €
Interest rate	8%
Rating	13
Credit opinion	470000 €
Time period	100 days

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Mirkozuin

Invoice	The risk of non-payment will only be insured in those invoices in which it is indicated together with the name of the insurance company
Amount	2150.78 €
Interest rate	10%
Rating	07
Credit opinion	4000 €
Time period	58 days

View sale

How does Inversa work?

Companies

Inversa

Investors

01

Invoices

Companies upload their invoices on the platform.

After vetting and verification, invoices obtain a rating that determines their cost and return to be published on INVERSA.

02

Investors

Invoices are offered by companies and sold to our investment community.

The investor will obtain interest rates in advance at the time of purchase.

03

Companies

The company receives the amount stated on the invoice discounting interest rates and commissions.

At least 10% will be retained in the company’s account until the invoice due date.

04

Transaction

When the client pays the invoice, the amount is returned to the investors.

And the transaction is concluded, releasing the amount withheld to the company.

Why become one of our client companies?

Why become
one of our
investors?

High returns on your savings.
No commissions.
Accessible from 20 euros. Easy diversification.
Access to interest rates in advance.
Safety. Controlled risk.
Short term. Investment returned between 30 and 180 days.

Become an investor and don’t overpay.

Commissions

Company

Following my last experience with the Public Administration and after four months of calls to receive payments, I had decided to stop working with them. I am self-employed and I can't afford to work with lengthy deadlines.

Inversa offers me the funding solution I needed so that I don't have to decline any project.

Investor

The bank hardly gave me interest rates. As my husband was self-employed for over 30 years, I understand the liquidity difficulties that this group faces.

With Inversa I found a way to get more out of my money by helping SMEs and self-employed professionals.

Founded by entrepreneurs.

Professionalism

Ethics

Caution

Innovation

Commitment

Transparency

Honesty

Inversa is an ethical and collaborative alternative finance platform with a main focus on real economy. We connect investors who not only want to earn value from their savings, but to support small businesses and entrepreneurs. You will know at every step how your money is invested and which companies you are giving your support.

How does it work? As an investor, you will have the chance to acquire invoices from operating companies that have been risk assessed by the platform, earning an attractive return.

Inversa has the core mission of providing an ethical investment platform, commited to society, environment and supported by professionals with decades of financial experience.

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Basic information for the investor

INVERSA is neither a participatory financing platform nor an investment service company or credit institution; and it is not attached to any investment guarantee fund or deposit guarantee fund.

Client funds are managed by Paymatico (Paymatico Payment Institution, S.L.U.) which is a financial entity authorised and regulated by the Spanish Central Bank (Banco de España), as a Payment Entity, with the number 6,861.

You can find more information here.

Frequently asked questions on alternative finance

What is alternative finance?

Alternative finance refers to the set of markets and instruments that are not under direct control of the banking circuit. They are investment options perfectly structured and viable that offer alternatives to companies seeking financing and those investors who want to allocate their money to platforms committed to ethical investment and commitment to society. Factoring is one of the alternative financing tools that are experiencing the greatest growth precisely because of this combination of contribution to the real economy and benefit for the investor.

What is factoring?

Factoring is one of the alternative finance instruments that fuel platforms such as Inverse Invoice Market. In basic terms, factoring allows companies to finance their cashflow without the need to resort to traditional bank credit. It is a very attractive alternative for all kinds of companies when it comes to accessing liquidity without having to penalize its viability with banking risks. For the investor, the offer is very attractive due to its profitability, the possibility of supporting the real economy and the safety and solvency of operating through a platform like Inversa.

What are the advantages of alternative finance?

Actually, they are many and very attractive. Immediate liquidity, absence of debt, outsourcing of collection management… Factoring is one of the alternative finance tools that is registering the most success among investors and companies. For the former, due to the guarantee when investing in a platform such as Inversa, which analyzes and verifies the solvency of the invoices provided to its marketplace by the companies. For companies, due to the need to access liquidity in real time and without the need to assume excessive bank charges, since the invoices can be cashed almost at the same time they are issued.

Can anyone invest in this platform?

The answer is a resounding yes. Inversa has not been created just for big investors with a deep understanding of financial reality. It has been designed and intended for the whole of society, and very especially of those people who want to see how their money yields a return while boosting the economy around us. Inversa is an alternative finance platform that is defined very simply: people investing in people. A real scenario in which the real economy acquires a new dimension.