Clear pricing. No collateral. Your buyer is the credit.

Turn unpaid invoices into cash in days, not months.

Terarchy helps Nigerian SMEs supplying reputable buyers access fast liquidity, and gives investors short-term, asset-backed yield.

Get StartedTry the calculators

For suppliers

If you supply goods or services to large companies on 30–90 day terms, you already have the credit. You need the cash.

  • Get liquidity in 24–72 hours after approval
  • No collateral required
  • Transparent fees (origination fee applies to the invoice)
Start as supplier

For investors

Fund verified invoices and earn short-term returns with clear risk and transparent pricing.

  • Marketplace fee applies per investment
  • Pay with Paystack (NGN) or stablecoin (USDC)
  • Track investments and payouts in your dashboard
Start as investor

Quick calculators

Estimate your payout as a supplier, or your expected return as an investor.

Supplier calculator
Estimate what you can receive in days (not months).

Typical payout window after approval: 72 hours

Estimated listing price₦9,000,000
Origination fee (0.75%)₦75,000
You receive₦8,925,000
Investor calculator
Estimate your expected payout and yield.

Typical invoice terms: 30–90 days

Marketplace fee (0.50%)₦2,500
Paystack processing fee₦2,000
Total charged₦504,500
Expected payout (≈ 60 days)₦560,000
Expected profit₦55,500
Invoice Financing & Invoice Tokenization in Nigeria