Superior Quality Yields

The combination of Apxium’s technology and proprietary risk structuring has enabled it to deliver significant risk-adjusted return arbitrage in private credit markets, underwritten by some of the highest creditworthy borrowers – being mid to large tier Accounting Firms in Australia, U.S., U.K. and Canada (and now also targeting law firms). Apxium provides a unique Whole Lender Funding facility to these high creditworthy Accounting Firms. This includes technology and payment rails to manage automated invoice presentment to their clients with embedded payment links, all the way through to automated receipting and reconciliation upon collection of payment via Apxium’s global payment rails.

Apxium has experienced feedback from its Accounting and Law Firm clients that the extent to which their cash is tied up in WIP and debtors is severe. This working capital constraint impacts both organic and inorganic growth. As a result, there is significant unmet demand for a fully integrated AR Automation + Payments + Whole Ledger Funding solution that not only provides funding against the late debtor collections problem, but also fixes the problem at its core. This deep value-add solution unlocks a higher risk-adjusted returns as follows:

1. De-risked Receivables Ledger: Apxium’s technology reduces debtor days by up to 50%, thereby lending to an optimised (de-risked) receivables ledger, with up to half the credit exposure that otherwise would have been in place.

2. Real-time Risk Insights: Apxium’s data integration IP with the Practice Managing Software used by Accounting and Law firms ensures the most sophisticated risk reporting with real time visibility over every invoice payment status. Combined with a de-risked receivables ledger, this ensures higher risk-adjusted returns.

3. Premiumisation - Inelastic Demand & Pricing Power: Apxium’s AR tech also reduces administrative overhead by 50% and payments processing fees by 30-40%. This integrated, deep value-add solution unlocks a unique situation where high creditworthy Firms are willing to borrow at higher costs than what their credit ratings would otherwise suggest. I.e. Firms acknowledge that they recoup much of this cost through the deep value Apxium delivers though operational efficiencies and unlocking cash tied up in debtors.

4. Superior Cost-to-Serve Economics: Apxium’s automated risk management technology delivers superior economics that is ultimately passed onto investors.

The combination of Apxium’s technology and proprietary risk structuring has enabled it to deliver significant risk-adjusted return arbitrage in private credit markets, underwritten by some of the highest creditworthy borrowers – being mid to large-tier Accounting Firms in Australia, the U.S., the U.K., and Canada.