Supply chain finance.
Reimagined.
Get capital when the Purchase Order lands.
Get paid when the invoice clears.
One platform. Two products. Working capital, simplified.
Free · No account required · Downloadable report
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Two products
Two paths to working capital.
Different moment in the production lifecycle. Same platform.
Invoice Finance
Get paid before your buyer pays you
Upload an approved invoice. Zenia's AI performs a three-way match, verifies sector compliance, and advances up to 90% of the invoice value — settled the same day via ACH, RTP, or USDC.
Timeline
30–90 day invoices
Sectors
All 7 sectors
- –PDF upload or EDI 810 ingest
- –AI three-way match + fraud detection
- –SOFR-anchored pricing
- –Same-day settlement via ACH or RTP
- –QuickBooks sync
PO Finance
Get funded before your first invoice exists
Submit a confirmed Purchase Order from a creditworthy buyer. Capital is advanced against the PO in milestone drawdowns as production progresses — repaid when the buyer pays your post-delivery invoice.
Timeline
30 days to 24+ months
Sectors
Automotive · Manufacturing · Construction
- –EDI 850 or PDF PO submission
- –Buyer credit verification (BBB- minimum)
- –Milestone-based drawdowns
- –Human underwriting review
- –Institutional capital partners
A $2.5 trillion global trade finance gap leaves small and mid-sized suppliers waiting weeks — or walking away entirely.
Asian Development Bank · Trade Finance Gaps, Growth, and Jobs Survey · 2022
How it works
Simple, step by step.
Step 01
Submit Invoice
Upload a PDF or connect via EDI 810. Our parser extracts all fields in seconds, including line items, PO references, and buyer details.
Step 02
AI Verification
Three-way match, fraud detection, and sector validation run automatically. SOFR-anchored pricing is calculated in real time.
Step 03
Funded
Matched to investors via our bid engine. Advance lands in your account via ACH, Same-Day ACH, RTP, or USDC on Polygon.
Sectors supported
Automotive · Manufacturing · Government · Retail/CPG · Construction · Technology · General B2B
Pricing model
Market-rate anchored discount formula — transparent, auditable, daily-updated
Working capital products
Invoice Finance · PO Finance — covering the full production-payment lifecycle
Security standard
JWT + RBAC · Append-only audit log · Blockchain proof · SOC 2 in progress
Sector intelligence
Every industry, purpose-built.
Sector-specific validation rules and compliance checks — built in from day one.
+ PO Finance
Automotive
OEM passthrough · EDI 810/856 · Milestone drawdown support
+ PO Finance
Manufacturing
ISO lot validation · Part number verify · Milestone support
Government
SAM.gov · PIID verification · WAWF
Retail / CPG
GS1 GTIN · Walmart · Target · Kroger
+ PO Finance
Construction
AIA G702/G703 · Retainage-aware · Milestone drawdown support
Technology
SOW/contract reference · SaaS-native
General B2B
Universal rules · All industries
Education
University purchasing · PO validation
Integrations
Works with your stack.
Enterprise-grade security. Built-in.
Multi-tenant PostgreSQL with row-level isolation, JWT + RBAC access control, append-only audit log, and HMAC-signed webhooks. SOC 2 Type I in progress.
JWT + RBAC
Role-gated API on every endpoint
Audit Log
Append-only event trail
Blockchain Proof
On-chain immutable anchoring
SOC 2 in progress
Type I readiness
Who we serve
Built for every side
of the transaction.
Suppliers
Invoice Finance
Convert approved invoices into immediate working capital.
- –AI invoice parsing
- –Multiple settlement rails
- –QuickBooks sync
- –Supplier portal
Tooling & Long-Cycle Manufacturers
PO Finance
Capital before your first invoice exists. Milestone drawdowns against confirmed Purchase Orders.
- –EDI 850 or PDF upload
- –Buyer credit verification
- –Milestone drawdowns
- –Human underwriting
Investors
Deploy capital intelligently
Access short-duration, asset-backed receivables with full transparency.
- –Anchor investor priority
- –Live portfolio dashboard
- –Sector diversification
- –Webhook + API access
Credit Unions
Serve your members better
Native Jack Henry integration. Deploy member deposits into commercial receivables.
- –jXchange / LoanVantage
- –NCUA-aligned structure
- –RTP instant settlement
- –Dedicated support
Platform capabilities
Built for enterprise.
Designed for growth.
SOFR-Anchored Pricing
Live rate from the NY Fed. Credit spread and advance rate calculated per buyer, sector, and invoice vintage. Fully transparent.
Live rates →Blockchain Settlement
Every invoice anchored on Polygon. USDC escrow optional. Immutable audit trail with Polygonscan verification links.
Verify on-chain →Jack Henry Integration
Native jXchange API for credit unions. LoanVantage loan origination, member inquiry, and balance pull — all automated.
For credit unions →ML Credit Scoring
GradientBoosting model trained on payment history, buyer concentration, and sector signals. Precision rate adjustment per invoice.
See methodology →QuickBooks Sync
OAuth 2.0 connection to QuickBooks Online. Invoice sync, payment push-back, and reconciliation — fully automated.
Connect QBO →KYC / KYB Compliance
Middesk business verification, fraud detection rules engine, and full HITL escalation queue for edge cases.
Compliance docs →Ready to accelerate
your cash flow?
Join suppliers getting funded in minutes, not weeks.
Get started today