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How Genieum Works

A simple, collaborative way for Suppliers to get paid early and Buyers to get more time. No applications. No system changes. No disruption.

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Getting Started Is Simple

Suppliers and Buyers complete a one-time onboarding process using the Genieum Member Agreement. No credit applications or integrations are required.

Supplier Onboards

Supplier Onboards

  • Supplier accepts the Genieum Member Agreement
  • Supplier uses communication tools for internal and external announcements
  • Supplier is ready to restate invoices immediately
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Buyers Are Added

Buyers Are Added

  • Supplier nominates Buyers. Syncs Accounting system or sends via secure file share
  • Genieum assesses and assigns risk score and limits in real time. Establishes Buyer profiles on Platform
  • Supplier-Genieum co-branded Member Agreement offer made to Buyers. Acceptance by conduct or via link to Platform
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Ready to Trade on Restated Terms

Ready to Trade on Restated Terms

  • No per-invoice approvals
  • No credit applications
  • All future invoices can be restated under the Member Agreement automatically. Supplier and Buyer can opt out at any time.
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How Each Restated Invoice Works

After onboarding, every invoice follows the same simple four-step flow. No Buyer-level approvals or applications are required.

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Step 1 — Supplier Issues a Standard Invoice

Step 1 — Supplier Issues a Standard Invoice

  • The Supplier invoices the Buyer as they do today.
  • No changes to ordering, invoicing, delivery systems or processes.
  • Not factoring. Not lending. No friction.
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Step 2 — Supplier Restates the Invoice through Genieum

Step 2 — Supplier Restates the Invoice Through Genieum

  • The Supplier selects the Original Invoice to be restated. No changes to Supplier’s paper or electronic invoice or invoicing system.
  • Syncs Accounting system or sends via secure file share.
  • Not factoring. Not lending. No friction.
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Step 3 — Genieum Settles with the Supplier

Step 3 — Genieum Settles with the Supplier

  • Genieum pays the Supplier (typically in ~3 days).
  • When settlement occurs: the novation becomes effective under the Member Agreement.
  • From this point, the Buyer owes the Restated Invoice amount to Genieum, not the Supplier.
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Step 4 — Buyer Pays Genieum on Extended Terms

Step 4 — Buyer Pays Genieum on Extended Terms

  • The Buyer pays Genieum on the extended schedule (up to 120 days).
  • Buyers may pay early to receive early payment incentives.
  • Buyers earn reward points set by Supplier.
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Why Businesses Choose Genieum

Traditional trade credit creates strain and risk. Genieum removes these barriers with a model that pays Suppliers early, gives Buyers more time, and aligns incentives across all parties through a modern restated-invoice and novation structure. It’s simply better trade credit — without the cost or complexity of factoring or lending.

  • No credit applications for Buyers
  • No system integrations required
  • Predictable, early payment for Suppliers
  • Extended terms at no cost to Buyers
  • Stronger Supplier–Buyer relationships
  • Lower operational and payment risk
  • Larger, more profitable orders

Who It’s For

Suppliers

Get paid early, reduce risk, win more orders

Buyers

Extend payment terms without credit applications or interest

Partners

Support clients while earning commissions

Ready to get started?

Whether you or your clients are selling and buying on trade credit terms, you need Genieum

Book an Intro Call

Quick 15-minute call. No Pressure.

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Watch a 1-2 minute demo of the platform

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Thank you for your interest. Please let us know how we can help.