Advance Rate
The share of the invoice’s net value advanced to the seller. It is proposed automatically when an invoice is uploaded and can only be reduced, never increased — so a funding target can never exceed the invoice’s real value.
Financial Engine
The Financial Engine
Every number you see on a Veloci Capital invoice — the advance the seller receives, the yield you earn, the fees deducted — comes from one transparent pricing engine. Nothing is negotiated behind closed doors: parameters are generated when the invoice is uploaded, disclosed before you commit, and locked once the invoice is funded.
How Pricing is Set
Three inputs determine the economics of every transaction.
Debtor Risk Rating
Pricing follows the debtor, not the seller — because the debtor is who ultimately pays. Each debtor carries a rating that maps to an annual interest rate through a published pricing table.
Transaction Parameters
Advance rate, interest, fees and operating costs resolve from the most specific level available: the individual transaction first, then the debtor, then the platform default.
How Your Return is Calculated
You are paid for exactly what you held, for exactly as long as you held it.
Holding-Period Interest
You earn interest for the actual number of days you held your share — not a flat rate per invoice. Sell part of your position early and you keep precisely what you earned up to that day.
360-Day Convention
All interest and discount math uses the 30-day month / 360-day year convention standard in Peruvian lending, so every figure reconciles with the rest of the market.
Escrow Settlement
When the debtor pays, funds settle out of the regulated escrow account in a fixed order: recovery costs first, then interest and platform fees, then capital returned in proportion to ownership.
Fees & Taxes
- Investors pay a success fee charged on interest only — never on your capital — and only when an investment actually pays out. Sellers pay a discount plus operating costs, all disclosed before the invoice is listed.