Liquidity Built for SMEs

CIXOR SME-Tech is a precision liquidity infrastructure that helps SMEs access working capital from the value they have already created, without traditional loans, manual underwriting, or operational burden. It accelerates liquidity from confirmed receivables and predictable cash flows, giving businesses stability while protecting financial partners from excess risk.

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SME-Tech for Business

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SME-Tech for Financial Partners

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Why SME-Tech Exists?

SMEs are consistently profitable on paper, yet constrained in reality by delayed payments, rigid banking processes, and inflexible credit models. SME-Tech exists to close this liquidity timing gap, enabling businesses to access working capital from the value they have already created, without taking on unnecessary debt or operational complexity.

SMEs wait weeks or months to get paid by their clients

Cash-flow gaps disrupt payroll, suppliers, and growth

Traditional credit is slow, rigid, and debt-heavy

What SMEs Gain

SME-Tech gives businesses faster, more predictable access to working capital without the delays, rigidity, or long-term burden of traditional financing. By unlocking liquidity from confirmed value, SMEs gain operational stability, improved cash-flow control, and the confidence to grow without overextending their balance sheet.

Faster access to capital

Less dependence on short-term loans

Predictable, automated repayments

Stronger cash-flow control

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