Empowering businesses with fast, secure, and transparent invoice trading
Our mission is to revolutionize B2B cash flow by turning unpaid invoices into real-time, tradeable financial assets. We provide a secure and transparent platform where businesses can sell receivables and access instant liquidity, while investors seize reliable, short-term opportunities.
We envision a global financial ecosystem where delayed payments no longer restrict business growth. Receivables Xchange aims to become Europe’s most trusted invoice marketplace — empowering companies and investors with speed, security, and control.
Businesses upload receivables with documents. Buyers browse verified listings and submit offers. Once accepted, both parties digitally sign a contract. Payment is secured via escrow (Worldline) and released upon validation, ensuring a frictionless and protected process.
All users undergo KYC checks. Every receivable is reviewed or AI-screened to guarantee authenticity. Contracts are e-signed via SMS, and escrow transactions ensure legal and financial protection. Our infrastructure is GDPR-compliant and hosted on secure servers.
Transparency. Efficiency. Security. These are the pillars of Receivables Xchange. We believe that professional invoice trading should be accessible, fair, and fully digital — backed by expert support and robust legal processes.
Operated by Sapflex Ltd (UK), our team combines fintech engineers, credit managers, legal advisors, and ERP consultants with one goal: to create the most user-friendly invoice trading platform in Europe. We work closely with partners across legal, payment, and insurance sectors to ensure excellence and innovation.
Receivables Xchange is a cutting-edge platform designed to optimize cash flow for businesses of all sizes.
By transforming unpaid invoices into instantly tradable financial assets, we offer companies immediate liquidity while providing buyers with attractive short-term investment opportunities.
Our platform integrates advanced digital tools, e-signatures, escrow protection, credit risk screening, and real-time data — to ensure fast, secure, and transparent invoice transactions.
Built for modern business finance.
Sapflex Ltd is a UK-based financial technology company focused on building secure, user-friendly B2B marketplaces.
With deep expertise in credit management, legal compliance, and fintech development, our mission is to democratize access to working capital and empower European SMEs through innovation and trust.
Company Number: 16412960 – Registered in England & Wales.
Office Address: Sapflex Ltd
2 Frederick Street, Kings Cross
London WC1X 0ND, United Kingdom
Whether you're a seller, buyer, investor or partner — we’d love to connect. Email us at contact@receivablesxchange.uk and our team will get back to you within 24 hours.