Halcyon
Cash against the invoice, not the balance sheet
Client identities and brand marks are anonymised. Names, logos and interfaces shown are not real companies or real projects.
- Sector
- Trade finance
- Location
- DIFC, Dubai
- Year
- 2026
- Kickoff to production
- 20 weeks
An invoice financing platform that prices a supplier's advance on the buyer's payment behaviour rather than the supplier's accounts.
Small suppliers waited ninety days to be paid and could not borrow against it, because the credit process examined the supplier's balance sheet and stopped there. Arranging a facility took three weeks and had to be re-arranged every quarter.
Underwrite the buyer, fund the supplier
Pricing is driven by the buyer's verified payment history, which is the risk that actually decides whether the invoice gets paid.
One connection, standing facility
A supplier connects their accounting system once. Eligible invoices then appear with a price and can be funded the same day, with no quarterly renewal ritual.
Collections without the awkwardness
Reminders, allocation and repayment run against the buyer's normal payment cycle, so the commercial relationship survives the financing.
Suppliers now turn an approved invoice into cash the same day, and the lender's book grew without adding underwriters.
What changed
- Invoice to cash
- Same day
- Underwriting input
- Buyer behaviour
- Without more underwriters
- Scaled book
- Next.js
- Go
- Postgres
- Temporal
- Metabase
Tell us what's slowing you down.
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