Repayment designed in
Recovery can come from an anchor settlement, daily sales or a payroll run.
Financing products for you.
Anchor-based lending evaluates the large, creditworthy party a borrower already trades with and designs repayment around that relationship. You are the lender: you set the rates, limits and rules. Lipaware provides the end-to-end technology.
A portal for every party
Lender, anchor and borrower each see only what they need.
One lending lifecycle
Scoring, approval, disbursement, repayment, arrears and recovery stay connected.
Built to work together
Start with the capability you need now, then add more without rebuilding the foundation.
Working capital
Invoice Discounting
Suppliers get paid early. The buyer pays as usual.
An anchor confirms approved supplier invoices. Suppliers choose which invoices to discount, you fund the early payment, and the buyer settles on the original due date.
Where it worksWeb portals for lender, buyer and supplier; mobile for suppliers.
- Approved invoice upload and buyer confirmation
- Transparent pricing based on rate and days remaining
- Limits, repayment matching and portfolio visibility
Working capital
Stock Financing
Order stock now, repay as you sell it.
You pay an anchor supplier directly against a dealer’s order. The dealer repays from daily sales, without handling the financed funds.
Where it worksWeb portals for lender, supplier and dealer; mobile for dealers.
- Applications against supplier quotations or orders
- Direct supplier disbursement and configurable dealer limits
- Sales-linked collections with direct debit fallback
Employee finance
Salary Advance
Payday, when it is actually needed.
Employees of an approved employer access part of earned salary before month end, then the next payroll run repays the advance.
Where it worksMobile for employees; web dashboards for employer and lender teams.
- Employer-level eligibility and limits
- Fast mobile applications and disbursement
- Automatic payroll repayment and exposure reporting
Working capital
LPO Financing
Win the order. Fund the delivery.
Finance fulfilment against a confirmed purchase order from a credible buyer, with the buyer’s payment on delivery repaying the facility.
Where it worksWeb portals for lender, buyer and supplier; mobile for suppliers.
- Purchase-order verification and buyer confirmation
- Full or milestone-based disbursement
- Direct settlement collection and order status visibility
Decisioning
Credit Scoring
Know who to lend to, before they ask.
Use transaction behaviour, payment history, bureau data and identity checks to automate consistent, explainable credit decisions.
Where it worksWeb rules dashboard and API delivery into your own systems.
- Configurable rules and thresholds
- Approve, refer or decline with recommended limits
- Recorded reasons for borrowers, teams and auditors
Collections
Debt Recovery
A structured way to get paid back.
Manage everything after a loan becomes late: queues, reminders, promises to pay, field assignments, arrangements and performance.
Where it worksWeb dashboard for managers; mobile app for recovery officers.
- Automatic arrears segmentation and reminders
- Officer and agency assignment with tracked outcomes
- Part payments, restructures and recovery reporting
Questions buyers ask
What do you want to launch?
Tell us what your customers need and which markets you are in. We will show you what is already built and what it takes to put your name on it.