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Solving Small Business Cash-flow Problems with Low Interest Financing

What is Invox Finance?

Q1 2019 Beta Update

How we are solving small business cash flow problems

The traditional model exposes the financier to considerable risk and increases the likelihood of disputes. It’s time for a change.

Sellers who have invoices they wish to sell to accelerate their cash-flow


The seller aims to obtain the best possible price for their goods or services and to receive payment for these as soon as possible. Allowing the buyer to delay payment of the invoices makes the seller more competitive but can also create periodic cash-flow issues for the seller. The risk to the seller is that they will not be able to continue operating their business without invoices being paid on delivery.


Through our platform we will connect the seller directly with individual investors who will finance the seller’s invoices. The seller will be able to get 80% of the face value of each invoice as soon as the invoices are issued and registered on our platform, thereby reducing the risk that they will not have the money to cover their operating expenses while they are waiting to get paid.

Investors seeking higher rates of return and diversification of their investment portfolio


Investors are currently not able to directly invest in invoice financing without establishing an invoice financing business. In the traditional invoice financing model, the risk is that the investor does not have a direct relationship with the buyer. The investor solely trusts the information provided by the seller. This exposes the investor to a considerable risk of the invoice not being paid as agreed, or being disputed.


Through our platform, investors will be granted access to an investment product that is for the most part currently only available to the banks and finance companies. Each investor will be able to invest in a number of loan fragments from a large number of diverse businesses across various industry sectors. Our platform’s loan fragmentation algorithm will automatically match the investor’s risk and investment profile with a predicted return on investment. Unlike in the traditional invoice financing model, on our platform the buyer will be part of the eco-system and will be asked to verify that the invoice is genuine and is due and payable. This reduces the risk to the investors that the invoice will not be paid. Invoices that are not verified by the buyer as genuine, due and payable may not be funded.

Buyers who will receive extended invoice payment periods and be rewarded for verifying invoices


The buyer wants to obtain the lowest possible price for their purchase and to delay invoice payment for as long as possible to optimise the use of their working capital. The risk to the buyer is that they may not have sufficient cash available to pay the invoices on delivery or shortly thereafter.


Once the seller has access to invoice financing, the seller is in a position to give the buyer more time to pay for their invoices (typically 30 to 60 days, however on our platform longer payment terms will be available), thereby optimising the buyer’s cash-flow position. When the invoice is paid by the buyer on our platform, the seller will receive the 20% balance of the invoice less the financing fee payable to the investors.

Our Powerful All-In-One Solution

Reinvention starts now.

We’re ushering in a new era of invoice financing by building a decentralised platform where sellers, buyers and investors are connected.

In the Press

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Invox Tokens

Your key to the platform.

Tokens with a real-world use case created on the Ethereum network.

Token Type

We consider our token not to be a security due to its utility and consumptive tokens and have obtained qualified legal advice concerning our token.

Token Ticker


Emission Rate

No new coins will ever be created after the Token Generation Event.

Total Supply

464m Invox Tokens

Token Network

Ethereum (ERC-20)

Contract Address

Tokens will be distributed after the token sale ends.

Crowdsale Token Value

1 ETH = 10,000 INVOX + any bonuses

Track every giant leap.

  • • Idea formulated

    • Incorporated as Invox Finance Pty Ltd

  • • Proof of concept code and testing

    • Wireframe

    • V1 of the whitepaper

    • V1 of the website

    • Presale began

    • Presale sold out

    • V2 of the whitepaper

    • V2 of the website

  • • Mockup complete for buyer, seller and investors journeys

    • Complete ICO

    • Distribute Invox Tokens

    • First test invoice issued

    • Initial user testing

  • • Beta version of Platform

    • Invox Finance debit cards become available

    • Mobile application testing

    • Begin Integration with Strategic Partners

    • Beta Mobile application release

Curious to Learn Even More?

Meet the Invox Finance Team

The experts bringing you invoice lending on the blockchain.

Alex Mezhvinsky

Co-Founder - CEO

Adam Mezhvinsky

Co-Founder - COO

Daniel Tang

Co-Founder - Head Analyst

Jim Wowchuck


Victoria Mezhvinsky

In House Legal Counsel

Boris Mezhvinsky

Angel Investor - CFO

Jose Luis Ramirez

Lead Software Engineer

Lucas Cullen

Lead Solidity Developer - Contractor

Henry Sit

Business Development Manager

Jordan Gifford-Moore

International Operations

Ahmad Dewanto Choirul Huda

Bounty Campaign Manager

Our Advisors

Super experienced. Always one step ahead.

Alex Mashinsky

Founder @ Celsius Network

Strategic Advisor

Mark VanRoon

Head of Product Development @ Abacas

Product Development Advisor

Jonathan Hooker

CEO @ Autonomous

Strategic Advisor

JP Thor

CEO @ CanYa

Crypto Advisor

Emi Wada

Executive Director @ CRYPTO RESEARCH Co.,Ltd

Japanese Market Advisor

Karan Bhatia

Strategy and Lending @ LaLa World

Strategic Advisor

David Lu

Co-Founder @ Textbook Ventures

Investment Advisor

Michael Bacina

Chair @ Canadian Australian Chamber of Commerce

Legal Advisor

Mo Hamdouna

Founder, Creative Director @ Mo Works

ICO Marketing Advisor

Chris McLoughlin

Co-Founder @ CanYa

Community Advisor

Kyle Hornberg

Co-Founder & COO @ CanYa

Operations Advisor

James Waugh

Director @ Blueblock

Tokenomics Advisor

Conston Taylor

ICO Financial Advisor @ Blockvest LLC

ICO Advisor

Our Partners

Bringing Invox Finance to all Corners of the world as an IBM Business Partner.

Celsius Network

Building a P2P Decentralized Lending & Borrowing Platform.

ABR Finance

Private finance company specialising in loans for the small business sector


SelfKey A blockchain based identity network


A solution that will revolutionise the way we work, educate and engage


A decentralised data marketplace


The Market Leader for Tokenized Debt Obligations


The Future of Money


A Digital Asset Exchange


A Decentralized Commercial Real Estate Leasing Platform Powered by Al


Integrated Digital Asset Management to Save you Time and Money


A Relational Blockchain as a Service for Crypto-Relational Database


The Backbone Of Modern Work Agreements


Save, Convert and Spend in one Wallet

TNG Wallet

The Next Generation e-Wallet

MasterNode Ventures

Full stack ICO Advisory Service and Blockchain/cryptocurrency Incubator.

Spero Research

Strategy and Market Advisors

Blockchain & Bitcoin Brisbane

Blockchain & bitcoin consultants & software developers.

Made with Ply

UX design for apps, web and digital products.

Mo Works Creative Agency

ICO Marketing Agency

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The Invox Community Club

The ICC’s mission is to engage with the members and supporters of the Invox Finance community to get their feedback on the development of the platform and Invox Finance’s direction on the whole.

In exchange for an ICC member’s engagement and feedback to help improve our platform we will be providing ICC members with Invox Tokens. Please note that eligibility criteria apply.