Receivables data is becoming an increasingly valuable asset in SME credit assessment. One notable example is TP24 Group in the UK, which was among the first to offer SMEs a credit limit based on the value of their outstanding invoices. In this model, receivables are not only used as collateral — they form the foundation of the credit decision itself.
How it works:
TP24 ingests debtor data via API (if the SME’s accounting software is supported) or through manual upload. Their engine validates the data, applies eligibility criteria, and classifies receivables into “eligible” and “non-eligible” categories. Based on this, a dynamic credit limit is automatically set using their proprietary system, updated daily to reflect the current value of receivables. This provides SMEs with financial flexibility while minimizing administrative burden.
With e-invoicing data becoming more accessible — already available via tax authority APIs in Hungary and Serbia, and soon in Romania and Poland — this model becomes even more attractive. It offers a compelling alternative to traditional invoice finance, with greater automation and real-time decision-making.
We discussed this topic in depth during the webinar on September 25, in collaboration with PartnerHUB, an e-invoicing provider for financial institutions. Watch the recording below:
SPEAKERS:
Katalin Kauzli
Business Development Director and Co-founder at PartnerHUB
Olena Gryniuk
CEE Director at SME Banking Club
📋 We also invite you to share your insights by completing our short questionnaire on the use of invoice data in lending and payment automation.
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