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Competitive returns on short-term investments

  • Interest up to 15% per annum*
  • Investment term 15-290 days, average just 45 days
  • Portfolio diversification with multiple investments


* The actual return of each investor is individual, depends on the conditions set by the investor and possible payment defaults. For example the average default rate for the entire Estonian portfolio for the years 2018-2022 was 0.10% (payment default percentage is calculated over 120 days past due on the amounts invested)


Become an investor



Trusted by more than 3300 investors

Euro or pound invoices? Both? You choose! We sell invoices in Estonia and the United Kingdom.

Competitive returns

No fees for investing

Short term investments = higher liquidity

Our latest auctions:

  • Invoice amount
    Seller received
    Annual return rate

Invoices financed to date:

United Kingdom

How does it work?


Sellers upload their invoices


Investly performs checks on the invoice and the business


Investors purchase the invoice


Debtor pays invoice in full, investors receive principal + interest


Your investments are safe

Investor funds are held in segregated accounts


Am I eligible to become an investor?

  • You are aged 18 and over

  • Citizen/resident of the European Economic Area (EEA)

    Note: E-residents of Estonia are also eligible to become Investly investors

How do I get started?


Apply online to become an investor


Add funds


Browse invoice auctions and invest!



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