How to help SMEs and self-employed individuals by investing in invoices (crowdfactoring).

Faced with an unprecedented health crisis, responsibility from everyone has been necessary, and we have done it, we have stayed at home.

What now?

It is time for solidarity and collaboration at all levels, including economically, and we can do it from home.

One of the biggest problems that small businesses commonly face is the lack of liquidity caused in most cases by the collection periods of their invoices. This problem has only worsened due to the lack of income during the forced halt of activity. SMEs and self-employed individuals are facing an unprecedented liquidity problem. Anticipating the collection of their outstanding invoices and promissory notes is one of the lifelines they can hold onto at this time.

Thanks to technology and through online platforms of collaborative economy, we all have in our hands a profitable investment tool that is more ethical and directly affects the real economy.

By investing in invoices and promissory notes, we help our SMEs and self-employed individuals without sacrificing profitability.

Platforms like Inversa offer the possibility of investing from small amounts, seeking a product accessible to everyone; from €20, anyone can become an investor. It is a model of collective financing based on the community where the sum of few becomes much.

How do you invest in an invoice on Inversa?

After registering on the platform, you access the invoice market where each user can choose from several options, being able to choose to invest in one or several of them.

You can choose between invoices from public administrations and private companies, many of them insured:

When they are fully funded, they are formalized, the companies receive the funding, and investors receive the profitability in advance, being able to withdraw it at that time to their bank account or reinvesting it to profit from their profit (compound interest).

Crowdfactoring is also a model based on a fair relationship between the parties, without abusive commissions; transparent, without small print, all contracts are public on the website, and always seeking maximum security: all relationships are contractually reflected, all invoices and promissory notes are analyzed, clients' money is held in a segregated account registered with the Bank of Spain; Inversa cannot touch its clients' money or speculate with it.

In order to help all those who are approaching crowdfactoring for the first time, we have prepared an article on the blog explaining the meaning of all the data to consider when choosing which invoice/s to invest in. You can access it from the following link: