How It Works: From Invoice to Instant Funding

See how businesses unlock cash — and investors earn secure returns — in 7 transparent steps.
No middlemen. No risk. Just code, collateral, and truth.

Watch 90-Second Explainer Try Demo Mode

The Process

A transparent, secure workflow for invoice financing with legal protection

1

Seller Submits Invoice

The business uploads an invoice, purchase order, and delivery proof. All documents are hashed and stored securely on IPFS.

✅ Seller declares intent to register a floating charge
🎯 For: SMEs needing fast working capital
2

Buyer Confirms the Debt

The buyer (obligor) receives a secure link to confirm they owe the amount. This prevents fake or disputed invoices from being financed.

🔐 Security Layer: On-chain digital signature from buyer's wallet or verified email
3

Invoice Listed for Funding

The verified invoice appears on the Populous World Marketplace. Funders review key details before committing capital.

📊 Transparency: Full document preview, risk score, funding goal

Funders Review:

  • Invoice amount & due date
  • Buyer's payment history
  • Seller reputation
  • Time window for charge registration
4

Funders Commit Capital

Investors deposit funds into the Populous smart contract. Once committed, funds are locked — no backing out.

⚠️ Important: Funds are not yet released — only held pending charge verification
5

Charge Verified via Companies House

Our system automatically checks the UK Government's Companies House API to confirm legal security is in place.

🌐 Real-World Anchor: No charge = no funding. This is legal-grade security.

We Verify:

  • A floating charge over receivables is registered
  • It's active ("Outstanding")
  • It matches the seller's company number
6

Funds Released to Seller

Only after the charge is verified do funds get irreversibly locked and disbursed to the seller (minus fee).

🚀 Speed: Disbursement in under 5 minutes — fully automated
🤝 Trust Layer: A Security Trustee holds the charge on trust for all funders
7

Seller Repays Funders

The seller repays the full amount (plus return) directly to the smart contract. Funds are automatically split pro-rata to all funders.

🛡️ Recourse Model: The seller bears the risk — funders are protected
📈 Yield: Funders earn 1–3% over 30 days — secured by real collateral
The Complete Funding Flow
📄
Submit Invoice
→
✅
Buyer Confirms
→
💰
Funders Commit
→
🏛️
Charge Verified
→
💸
Funds Disbursed
→
🔄
Seller Repays
→
📈
Funders Paid
⛓️ All steps recorded on Ethereum — fully auditable

Who Is This For?

Populous World serves all participants in the invoice financing ecosystem

🏢

SMEs & Sellers

Get paid in 24h instead of 30–90 days. Improve cash flow without debt.

Learn more for sellers →
💼

Funders & Investors

Earn yield on secured, short-term debt with legal protection.

Learn more for investors →
📊

Accountants & Advisors

Transparent, compliant, audit-ready financing for your clients.

Resources for professionals →
⚖️

Legal Teams

Enforceable charge + digital trust structure with full transparency.

Legal documentation →

Live Funding Activity

🔄 Last updated: Just now
💰
£12,500 just funded to Acme Ltd (Invoice #INV-8821)
2 min ago
🏛️
Charge verified via Companies House: Ref CHG/94821
15 min ago
👥
Funded by 7 investors — repayment in 30 days
1 hour ago
📄
B2B Electronics submitted invoice for £8,200 (awaiting verification)
3 hours ago

Ready to Experience the Future of Factoring?

Join businesses and investors using Populous World for secure, efficient invoice financing.

Get Funded in 24h Start Earning Yield