Invoice Finance:
Let Your Cash Flow

We help you get paid faster by unlocking cash trapped in your unpaid invoices.

AREX Markets is on a mission to drive the cost of financing down so hard-working businesses can retain more of their money. Financing can be complicated and saturated with hidden costs, leaving the SME feeling trapped, confused or lost. 

We help you take control through invoice financing by bridging the gap without eye-watering interest rates.

AREX works purely with accountants and software partners to offer seamlessly embedded invoice finance.

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How AREX invoice finance works:

Unlike other invoice financing companies. We offer non-recourse financing without personal guarantees. How? By creating a comprehensive picture of a company’s health through its data.

Data integration

Using custom APIs with partners, AREX pulls and analyses SMEs data safely, securely and privately, to create a comprehensive picture of a company health.

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Invoice sales & purchase

SMEs select which invoices to finance within their existing accounting or invoicing system. AREX trading bots do their magic. Live algorithm-based trades take place within the AREX platform.

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SMEs receive funding within 24h

Due to leveraging comprehensive data, AREX is able to disburse the funds quickly, with 96%* of our customers receiving funding within 24 hours.

*as of September 2020

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Credit risk is transferred from SMEs to investors

Unlike traditional factoring and bank short-term financing, the credit risk is transferred to investors. AREX also creates required accounting entries into the accounting system and handles reminders and debt collection as part of the service.

Why choose AREX Markets?

Getting your money in the bank faster shouldn't come at a premium. Most invoice finance or factoring options available come saturated with hidden costs or rigid terms.

We charge you a one-time fixed fee and you are free to use us on an individual or recurring basis.

Big companies have benefited from these types of financing solutions for many years. We believe in equality of access to capital. So AREX is making it possible for SMEs to have the same benefits: fast, flexible and commercially sustainable.

For Partners

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Help get your Clients paid quicker

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Offer a new service with recurring revenue

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Save Client time chasing late payments

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Drive the cost of financing down so your Clients thrive

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Forage long-term Client trust and increased customer retention

For Customers

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Competitive and transparent pricing

Protection against payment delays & credit losses as credit risk is transferred to the investors

Fully automated and easy financing service

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Money within a day in over 90% of the cases

No lock in: flexibility to choose which invoices are sold

Testimonials

Some of our partners

Our investors

 

 

Awards

Join our mission

Whether you are a partner or someone who wants to use our invoice financing service, our pledge to you is to support your growth needs. Connect with us and start managing your cash flow more effectively.

Help Your Clients Get Paid Quicker.

 AREX offers invoice finance to SMEs through their accounting and financial software, and has chosen to partner with Accountants. Why?

Because Accountants have the skills and expertise to understand a good deal on financing – especially those who want to support their Clients sustained growth trajectory.

Are you an SME looking to finance your invoices?

AREX has financed tens of thousands of invoices from hundreds of satisfied SMEs.

If you are looking for an automated and flexible solution to invoice finance with competitive and transparent rates, AREX is here to help.

Our Story

Founded in 2014 AREX is a competitive data-driven Fintech company aiming to bridge capital market liquidity and SME cash flow needs.

Our first product is an invoice financing solution, where invoices are converted into a tradable asset class called Exchange Traded Receivables (ETRs). ETRs are then sold on the AREX platform where a single ETR can be purchased multiple investors using algorithm-based trading bots. Most of the ETRs are filled within seconds of being listed.

Unlike our competitors, we are not a bank or backed by any bank. So we don’t require personal guarantees or debentures.
AREX works purely with accounting and software partners to offer seamlessly embedded invoice finance to SMEs.
As a result SMEs benefit from competitively priced and flexible financing while marketplace participants get attractive risk/return ratios.

The key to our success lies in our single-minded commitment to building rewarding long term relationships with our partners and helping SMEs. We listen carefully and align our services accordingly.

AREX’s highly diverse international team consists of people who are committed to empowering SMEs worldwide, by bringing them a more sustainable solution to fulfil their everyday financing needs.

Our key figures

See where we came from and what we have achieved so far.
50 %
of submitted invoices have been financed
50 +
sub-sectors represented on the platform
15 K+
invoices financed through the platform
25 %
of SMEs receive funding on the same day

Meet the team

Airto Vienola

CEO

Ekaterina Sukhova

Controller

Perttu Jalkanen

Co-founder & CCO

Indi Tatla

Marketing Director

Estefania Gual

Head of Product

Eduardo Alves

Principal Architect

David Gualtieri

International Expansion Director

Nikolai Hentsch

Co-founder & CCO

Hannu Krosing

Co-founder & Advisor

Want to be part of the AREX team? See our latest vacancies.