Smart Escrow, a partner of IOD Applications, has structured more than 840 transactions totaling over €25 million since 2020. Armatura Capital and its founder bring more than 25 years of experience to the project, having taken part in financing transactions worth over €1 billion.

💶 Receivables financing, backed by surety insurance

IOD Applications is raising up to €120,000 to acquire receivables arising from invoices issued by previously identified and vetted companies. The funds will be used to advance payment on those receivables, providing companies with liquidity before their invoices fall due.

The acquired receivables are covered by surety insurance of up to 90%, subject to the terms applicable to each transaction. Proceeds collected as the invoices are paid will be used to meet the payment obligations under the bond.

💡 Investing in the real economy, with secured returns

IOD Applications is a company able to improve its clients' working capital management through its financial expertise and software systems. It identifies working capital financing opportunities in which IOD chooses to act and/or participate, providing funds that enable its clients to increase their working capital.