Supply Chain Finance · For suppliers & exporters
Give customers longer terms, without draining your cash flow
Turn delivered invoices into cash early. Your customer keeps the payment terms, and you get the money now.
A bank-neutral, multi-funder platform. Sell receivables to funders outright and get paid as soon as the next business day, direct to your bank.
Invoice INV-20931
CA$248,000 · Net 90
Funder quotes
Funder A
Discount 1.40%
Funder B
Discount 0.95%
Best offerFunder C
Discount 1.15%
Day 0
Invoice confirmed
Day 1
You get paid
Day 90
Buyer repays funder
30–120
Days sooner to cash
T+1
Fastest funding
6+
Bank & non-bank funders
0
Funds held by Manis
The problem
Long payment terms win orders, but they tie up your cash
You want to win orders with longer payment terms, but your cash flow can't carry them.
You know little about an overseas buyer's credit, so you hesitate to sell on terms or ship first.
Cash is tied up in receivables, so new orders and inventory have to wait.
Manis sells your receivables to funders outright, so you get cash now instead of waiting out the term.
How it works
The journey of an invoice
Upload invoice
AI pre-fills the fields
Buyer e-confirmation
The funder's pre-condition to pay
Smart routing & quotes
Matches and compares funders
Accept offer & get funded
Paid direct to your bank
Maturity & reconciliation
Buyer repays the funder
Funder network
Bank and non-bank funders on one platform
For every invoice, Manis matches the best-fit funders by buyer location, amount, currency, tenor and industry, then compares their quotes side by side. Just as Manis matches merchants with the right PSP.
What you get
Faster cash, better rates, less risk
Cash 30–120 days sooner
Apply on confirmed invoices in one click, with funds as soon as the next business day.
Higher approval rates
Multiple funders mean wider coverage and a better chance of getting funded.
Better discount rates
Quotes are compared in parallel, and your invoice goes to the best offer.
Direct to your bank, zero custody
Funds settle in the invoice currency straight to your account, ready to use.
Buyer e-confirmation
One-click confirmation meets the funder's pre-condition and speeds up funding.
No double financing
Two-level de-duplication, name matching and a full audit trail keep you compliant.
Who uses it
Built for businesses that sell on terms
B2B
Net-30 to Net-120 terms with business customers.
Cross-border export
Sell on open account to overseas buyers.
Food & building materials wholesale
High volumes and thin margins with long terms.
Supermarket & retail suppliers
Get paid early on large retail chain invoices.
Professional services
Fund milestone invoices while projects run.
Manufacturing
Finance raw materials and production for new orders.
Frequently asked questions
Is this a loan?+
No. You sell approved receivables to a funder (forward factoring), so there's no new debt on your balance sheet. Whether a deal is with or without recourse depends on the funder and the program.
What do funders look at?+
Mainly your buyer's credit. The stronger your customer, the easier and cheaper the invoice is to finance. Buyer location, amount, currency, tenor and industry also decide which funders can quote.
Does Manis hold the money?+
No. Manis has zero custody of funds. The funder pays you directly in the invoice currency, and your buyer repays the funder at maturity.
Why does my buyer need to confirm the invoice?+
Funders require confirmation that goods or services were delivered and the amount is owed. Manis sends your buyer a one-click electronic confirmation so funding isn't held up.
How fast can I get paid?+
Once the buyer has confirmed and you accept an offer, funds can arrive as soon as the next business day. First-time onboarding with a funder includes a KYC review.
Turn every invoice into cash, early
Tell us about your receivables, and we'll match you with the right funders.