Disclosed Factoring

Disclosed Factoring allows your business to convert issued invoices into structured working capital, strengthening liquidity without increasing traditional debt exposure. Once goods or services are delivered and invoices are raised, funding is aligned against approved receivables, with clear notification to the buyer and defined payment terms. This ensures transparency across all stakeholders while maintaining disciplined transaction oversight.

By structuring finance around verified receivables and managing collections transparently, businesses can stabilise cash flow, optimise operating cycles, and focus on growth. The approach enhances financial predictability while preserving balance sheet strength and maintaining professional buyer relationships.

Transaction Requirements

Business

Financial

Debtor (Buyer)

Documentation

Why Lumens Finance?

Receivables funding is structured to maintain liquidity while preserving oversight.

Process

01

Submit Invoices and Documents

Provide issued invoices and supporting documentation to initiate receivable evaluation.

 

02

Receivable verification

Conduct confirmation of invoice validity, delivery completion, and buyer acknowledgment.

 

03

Approved Invoices Structured for Funding

Eligible receivables are assessed and structured within defined funding parameters.

 

04

Capital Advanced Against Eligible Receivables

Funds are disbursed against approved invoices under agreed commercial terms.

 

05

Buyer Payment Completes Transaction

The transaction concludes upon receipt of payment from the buyer as per notified terms.

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