SME-Tech for Businesses
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.
Designed Around Real SME Cash-Flow Challenges
SMEs don’t fail because they lack revenue, they fail because liquidity arrives too late. SME-Tech bridges that timing gap by unlocking liquidity from confirmed receivables and operational cash flows.
Predictable Working Capital
Access liquidity without waiting for payment cycles to close.
Fully Automated
No applications, no paperwork, no negotiations.
No Traditional Debt
Liquidity is accelerated from existing value, not issued as new loans.
Operational Stability
Meet payroll, pay suppliers, and accept growth opportunities.
Learn How It Works
SME-Tech recognises confirmed receivables and predictable cash-flow events, releasing liquidity against verified value rather than future promises. Repayment is automated and aligned to real cash inflows, ensuring a seamless experience for SMEs while maintaining strong risk controls for financial partners.
Connect through an approved financial partner
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2. Cashflow lien
/ contractual
trigger
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3. Automated
sweep
mechanism
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4. Funds
delivered
No collections. No follow-ups. No disruption.
Why SMEs Should Choose SME-Tech
SME-Tech is designed to be an essential financial tool for SMEs because it delivers fast, reliable liquidity without the friction, inflexibility, or long-term obligations of traditional financing. It fits naturally into how businesses already operate, scales as they grow, and provides a safer, more predictable alternative to loans and informal funding.
Faster than bank loans
Safer than informal lending
