Even with strong SME demand, the invoice financing workflow was too manual to scale. Invoice submission and verification were slow, approvals were unpredictable, and SMEs had limited transparency into eligibility, lender criteria, or expected funding timelines which reduced trust and repeat usage. Lender participation depended on manual deal discovery, leaving capital underutilized and slowing time-to-funding. Risk exposure was also meaningful: duplicate invoices, disputed invoices, counterparty risk, and concentration risk required stronger controls that could not become a bottleneck. The provider needed to transform invoice lending into a real-time digital marketplace that improved SME experience, increased lender efficiency, and enforced disciplined fraud and portfolio protections at scale.

Zymr helped the provider modernize invoice lending from a manual, relationship-driven workflow into a scalable digital marketplace. By automating verification, lender matching, compliance, and portfolio risk controls, the platform accelerated SME access to capital while improving lender efficiency and strengthening operational resilience. This case demonstrates how digitized invoice lending can unlock liquidity at scale without compromising fraud controls, governance, or marketplace trust.

• $50M in Invoices Processed in the First Year
  The platform scaled transaction throughput without adding operational strain.
  
• Faster Working Capital Access for SMEs
  Funding cycles shortened, helping SMEs manage payroll, inventory, and receivables gaps.
  
• Improved Lender Capital Utilization
  Matching reduced idle capital and increased the velocity of funded invoices.
  
• Lower Operational Costs
  Automation reduced manual verification, follow-ups, and reconciliation overhead.
  

Higher SME Satisfaction and Retention
Transparency and predictability increased trust and repeat financing usage.