InvoiceFair provides alternative financing solutions for SMEs through an online auction platform. It allows companies to access cash quickly by selling approved invoices, purchase orders, and recurring revenues to institutional investors through the platform. InvoiceFair has funded over €300 million for customers across various sectors. It aims to give SMEs control over their funding and more flexible options compared to traditional banks.

1. Supply Chain
Finance –
Beyond the
Banks
Peter Brady, CFO

2. Varieties of Supply Chain Finance (SCF)
Supply Chain Finance
Accounts payable-centric Accounts receivable-centric
Approved payables finance (also
known as reverse factoring or
confirming)
Dynamic discounting
Receivables Finance
Receivables purchase
Invoice discounting
Factoring
Forfaiting
Accounts payable-centric
Pre-shipment or purchase order-
based finance
Inventory finance (including
warehouse finance)
‘Related’
Documentary trade finance
Bank payment obligation
Asset-based lending
Payments and foreign exchange

3. InvoiceFair at a glance
Enables you to take
control of your
working capital
requirements
Free up cash from
receivables and future
receivables, allowing
you to scale faster
Easy to use auction
platform that unlocks
cash in 24 hours
An experienced
team of
professionals that
have successfully
funded over €300m
to date

4. Invoices raised to quality debtors are assets.
Trade approved invoices, purchase orders, statements of
work, recurring revenues – subscription based businesses
Release cash in as little as 24 hours, so you can take
immediate advantage of growth opportunities
2014: InvoiceFair was founded by an experienced team of
industry professionals to answer the urgent need for an
alternative to traditional funding.
2018: Successfully funded €300m+ multicurrency
receivables. A Team of 15, and growing
To combine our experience and expertise with the power
of technology to create a platform that provides SMEs
with an alternative way to fund their businesses
A significant variety of customers across a mix of
sectors and company sizes including: Manufacturing,
Engineering, Pharma, Medtech, Contingent Labour, ICT,
Construction, etc.Our Happy
Customers
Our Solution
About Us
Our Vision
An innovative
growth
accelerator that
enables you to
access working
capital now,
without onerous
restrictions
InvoiceFair

5. Ivan Fox | Chairman
Ivan has over 25 years’ experience in
investment management and financial
services. He is currently an active private
investor, Chairman of Merrion Investment
Managers and a director of a number of
other companies. Prior to this, Ivan was
Head of Irish Equities and Global
Financials Research at Bank of Ireland
Asset Management.
Helen Cahill | Co Founder & CEO
Helen has over 25 years of financial
services experience in leading banks
and a proven track record in building
diverse businesses. She has a deep
understanding of the corporate sector
having provided treasury risk
management solutions to companies in
Ireland, the UK and the US.
Peter Brady| Co Founder & CFO
Peter is a Chartered Accountant with
over 25 years’ experience managing
both multinational companies and SME’s
in Ireland and overseas. Peter has an in-
depth understanding of working capital
and invoice financing both through
having run his own businesses and
through clients in his accountancy and
consultancy practice.
Our Team
Between us, we have a combined 100+ years’
experience in business ownership, entrepreneurship,
trade finance, lending, treasury and investments

6. Sectoral Split
27%
17%
21%
2%
22%
8%
3%
Project Finance
Manufacturing
Professional Services
Software and
Technology
Energy and
Renewables
MedTech
Food & Drink

7. How can InvoiceFair
accelerate your Growth?
Control
You decide the percentage of the
receivables you sell and control
the cost by setting the reserve
(minimum acceptable price)
Auction Platform
Onboard onto our cloud
based platform and start
trading your receivables
Multiple Investors
Our pool of investors bid on your
receivables in an online
marketplace auction
Cost
Between 1-3% of the Invoice
value, depending on the credit
quality of the seller & debtor,
duration and trading history
Fast
Cash for your receivables
can be released in as little
as 24 hours
No Limits
There are no personal guarantees,
no limits, no audit fees, no long-
term contracts, no bureaucracy

8. How It Works
Approval
Consult with our
team on how best
to structure your
funding
Easy to use auction platform unlocks cash in 24 hours
Upload
Upload the
invoice, proforma
invoice, contract,
statement of work
or purchase order.
Set the % of the
receivable you
wish to sell and
the minimum price
you will accept
Auction
Verification checks
completed
Institutional
Funds, &
Professional
Investors bid for
these invoices
Your receivable is
sold to the highest
bidders
Transfer
Funds are paid to
you within 24
hours of uploading
your invoice
Settlement
Debtors settle the
full invoice
amount into the
segregated Bank
Account
Unsold percentage
sent to the Seller
and the balance to
the Buyer

9. Platform underpinned by
Robust Legal Framework
LEGAL
FRAMEWORK
Platform membership Rules for
Buyers & Sellers
Comprehensive due diligence
process for all Sellers
Debtor approval procedures
Vigorous transaction verification
process
Funds flow through
segregated trust accounts
Unconditional sale of the
receivable and its related rights
by way of equitable assignment

10. Seller approval procedures
1 2 3 4
SELLER
IDENTIFICATION
CREDIT
INFORMATION
TRADING
HISTORY
TRANSACTION
FLOW
• Tax Clearance
• Bank Statements
• Bank Facilities
• Obligations &
Securities
Comprehensive CDD
procedures to:
• Identify
• Verify identity
• Monitor
• Management
Accounts
• Budgets
• Debtors List
• Creditors List
• Audited
Accounts
• Sales Invoices |
Credit Notes
Experian score
& report
Detailed
documentation
flow, from PO
to invoice
through to
settlement
Statutory
filings

11. Debtor approval procedures
Correct name
address and
registration number
of legal entity
Debtors must be
unencumbered or
carved out
Review of contracts
PO Payment History
for last 6 months
1 2 3 4
EXISTENCE
CREDIT
INFORMATION
TRADING &
PAYMENT HISTORY
GRN OR
PAYMENT CERT
• Ownership
Structure
• Experian Credit
Score
• Experian Credit
Limit
• Trading Terms
• Debtors ledger
for last 12 months
analysed
• Payment History -
timing & amounts
Debtor must
confirm change
of bank details to
settle into
Segregated bank
account
Invoice
acceptance
documentation
Proof of payment

12. 1 2 3 4
PO OR CONTRACT
FOR PURCHASE
CREDIT
TERMS
SHIPPING & BILL
OF LADING
GRN OR
PAYMENT CERT
Verify Invoice with
Quantity, Description,
Price, Delivery Terms,
Credit Terms
Check documentation
consistency with DD
and previous settled
amounts
Matched with
settlement terms
entered on the
Platform
Consistent with
trading history
identified at Debtor
Approval stage
Matched with the
invoice to verify
delivery of the goods
or services
Matched with
invoices and shipping
documents and verify
that the Debtor has
confirmed receipt
and has Approved
Payment
Transaction Verification procedures

13. Confidential & Secure
All information is securely stored on our platform. It is continuously
tested using the most up to date, industry leading, independent
cybersecurity tools. Our web applications use RSA_AES 256 ciphers,
TLSv1.2 (only) with HSTS also configured. Our environment is
protected with robust firewall rules along with IDS/IPS systems
enabled and regularly updated. We follow OWASP coding principles
during our development processes.
Data security is ensured through compliance with the
Data Protection Acts and the EU e-Privacy Directive 2011
InvoiceFair complies with all Customer Due Diligence requirements
under the Criminal Justice Act Money Laundering & Terrorist
Financing Act 2010
InvoiceFair holds all client funds in client safeguarding
accounts and administers the funds as a Trustee for investors

14. New solutions to universal problems
Our solutions are substantially more flexible than traditional funders
Flexible invoice
finance
Could your business grow faster if you
could access funds tied up in your
sales invoices tomorrow?
Suitable for:
SMEs who need to access funds
tied up in invoices to accelerate
growth.
• You’re in control of the costs by
setting the reserve
• You can sell up to 90% of your
Invoice value
• You can access cash in 24 hours
• There is a pool of investors who
want to buy your invoices.
Benefits of the solution:
Purchase order
finance
If you could access funds by selling signed
purchase orders or approved contracts
would this open up new opportunities?
Suitable for
SMEs who need to fund
purchase orders in advance.
• You are in control of the cost by
agreeing a price in advance
• Sell up to 70% of your purchase order
value at and release
cash today
• There is a pool of investors who are
willing to undertake the risk
Benefits of the solution:
Recurring Revenue
finance
By releasing cash from your monthly
recurring revenue today would that drive
your business growth?
Suitable for
SMEs who wish to release cash now from
future recurring revenues to grow their
business
• Creates a revolving funding stream
that aligns with your own business
growth.
• You control the cost by agreeing a
fixed discount in advance.
• You can sell up to 70% of your future
monthly recurring revenue and get
cash within 24 hours.
Benefits of the solution:

15. The transaction fee
ranging from 0.5% - 2% of
the invoice value driven by
volume and duration.
The cost of the discount
the difference between the value of
your Receivable being sold and the
price the Buyer pays - the winning bid.
As a Seller you control the
cost of credit by setting the
Reserve - the lowest price
you are willing to accept
for your receivable
As you build up a trading track record
of on the Platform Buyers seek out
your assets, bidding competition
increase, resulting in a lower cost of
credit
Total cost will
range from 1% to 3%
of the invoice value
you traded.
The Costs SMEs control the pricing, unlike the
products offered by traditional funders

16. How we are different?
Our solutions are substantially more flexible than traditional finance
Funding
Amount
Speed of
Decision
& Payout
Fees
RESTRICTED
• On average 70% of debtor book is financed
• Up to a maximum aggregate limit
• Limit can be further reduced by concentration
risk and geographic limits
• Approved subject to overall borrowings
SLOW
• Slow and bureaucratic process application process
• Decisions and payout typically take a number of
weeks
• Remote decision making – often outside of Ireland
COSTLY
• Ranges from 2.5% - 4.5%
• Fixed processing fees – monthly, audit, transactional
• Credit insurance requirement
• Processing Fee
• Uncompetitive FX rates – high margins taken
• Penal exit costs
FLEXIBLE
• 90% of the invoice value is financed
• No limits
• No concentration risk or geographic limits
• Independent of existing borrowings
FAST
• Simple online application process
• Decisions are made within 24 hours
• Upload today – funds tomorrow
• You engage directly with decision makers
VALUE
• Ranges from 1% – 3%
• No fixed monthly fees – Pay as You Trade model
• No credit insurance required
• Competitive FX – no margins taken by InvoiceFair
TRADITIONAL FINANCE

17. Company:
Engineering company
in the Midlands
Bridgeway Engineering Ltd is an Irish
engineering company specialising in
the manufacture of steel products. The
Company’s business has grown rapidly
over the last two years. To fund this
growth, they required a finance
partner that could understand their
business and structure a working
capital solution to meet their needs at
every stage of their supply chain.
• Pre Purchase Order Call Off
• Post Purchase Order
• Upon shipment - Invoice raised
Bridgeway Engineering Co
Fast and flexible supply chain funding
Challenge
Won a large contract and
required funding to fulfil
contract requirements.
Solution:
Purchase Order Trading
Without the speed and
flexibility of funding
released through the
InvoiceFair marketplace
platform, we would not have
been able to deliver our
orders on time for our
customers.
Liam Fallon,
MD Bridgeway Engineering

18. Company:
Design and Build
Engineering Company
Headquartered in Dublin, Helicon
Process Development Solutions Ltd is a
design and build engineering company
delivering projects from concept
design to technical completion. Their
area of expertise is in controlled
environments found inside
laboratories, clean rooms,
temperature controlled warehouses,
reaction vessels, tanks and isolation
units. The Company won a contract
with an environmental business to
develop and build a facility. With the
help of InvoiceFair, the Company was
able to fund this project
Helicon PDS
Project funding for a new biotechnology company
Challenge
Won a contract with a
growing biotechnology
company
Solution:
Purchase Order Trading
Peter Holly,
MD Helicon PDS
I’d like to commend you on the
Invoice Fair platform. Its simplicity is
brilliant. As time moves on, I am
finding that the information provided
to me via the platform serves all
manner of requirements from
accounting to procurement. I have
used competitors platforms and can
say from experience that there is
nothing that I am aware of that comes
close to the InvoiceFair platform. I
recommend InvoiceFair to anyone who
speaks with me on the subject.

19. Company:
Delivers projects in
the electronics sector
Gentian Consultancy Services Ltd
Funding global projects
Challenge
Finance was required to
kick start the
manufacturing process for
a large order
Solution:
Purchase Order Trading
The funding we could access
through the InvoiceFair Platform
empowered our team to deliver
on significant international
projects. The speed at which we
could release funds required to
fulfil purchase orders was game
changing and will be a catalyst for
future growth
Aidan McMahon,
MD Gentian Consultancy Services
Founded in 2007, Shannon based
Gentian Consultancy Services Ltd
delivers complex projects for large
global customers in the electronics
sector spanning Ireland, UK, Australia,
Canada and the USA.
The Company has demonstrated a
track record in product design and
development, delivering innovative
new products along with efficient and
cost-effective supply chain solutions
within a quality accredited
environment.
Receiving a significant order in Q1
2018, finance was required to kick
start the manufacturing process.

20. Company:
High grade plastic
refinement
Based in County Limerick, Greentech
Plastics Ltd are experts in high grade
plastics refinement. The company
recycles and refines post-industrial
plastics into high grade plastic streams
for resale into the plastics industry.
The Company required an innovative
finance solution to fund purchase
orders.
Greentech Plastics Case Study
Supply Chain Finance
Challenge
Required additional
working capital to ensure
production demands could
be met
Solution:
Purchase Order and Recurring
Revenue Trading
Without the speed and flexibility
of funding released through
InvoiceFair, we would not have
been able to deliver this project.
This project with this NGO has
transformed our business and
helped us to grow and diversify
providing much needed jobs and
economic growth in our
community
Sharon O’Dwyer
General Manager, Greentech
Plastics

21. TESTIMONIALS
“The speed at which we could release
funds required was game changing and
will be a catalyst for future growth”
A small sample of our happy
clients across multiple sectors
and industries
Aidan McMahon | Gentian Consultancy Services
“There is nothing that I am aware of
that comes close to the InvoiceFair
platform. The simplicity is brilliant!”
Peter Holly | Helicon PDS
“It was a refreshing experience from the
outset as we worked closely together to tailor
a solution that met our specific needs”
Sharon O’Dwyer | Greentech Plastics
“A very knowledgeable team with
clear requirements and real
transparency around the cost”
Patrick Joy, Suretank

22. Our Debtors

23. Time to take control
of the future of your
business with a fair
and alternative
approach to funding…
on your terms.

24. Peter Brady
Phone: 01 – 6632 - 662
Email: peter@invoicefair.com