LUXEMBOURG
BUILT FOR BUSINESS

Liquidity that repays itself.

AI-run B2B pay-later for Luxembourg SMEs.
Suppliers paid in full today. Buyers pay in 30–90 days, plus one fixed fee.

PRELAUNCH · ONE FIXED FEE · NO NEW ACCOUNT

INV–041

Client: a hotel group · 60 days

€12,400

Client: a hotel group ✓ Confirmed

GET PAID TODAY

€12,400.00

Your feeNone · paid by your client
Client pays in 60 daysinvoice + €744 fixed fee€13,144
Incl. fixed fee€744 · 6%
If your client defaultsNo recourse
Get paid now

Illustrative figures · no real funds move

PAID IN FULL TODAY.

THREE SIDES. ONE INVOICE.

FOR THE SUPPLIER

100% of every invoice

  • Paid in full today, by instant transfer
  • Zero cost: the buyer pays the fee
  • No recourse if the buyer defaults
  • Works for new clients too
Learn more

FOR THE BUYER

30, 60 or 90 days to pay

  • Confirms the invoice in one tap
  • One fixed fee, known upfront
  • One e-signature, no new account
Learn more

FOR THE ACCOUNTANT

Books stay clean

  • Assignment notice on the invoice
  • Fee statement for the buyer
  • Export ready to import

HOW IT WORKS

Four steps.
Then it loops.

01

The supplier delivers and invoices.

Its client's limit is ready before the order.

02

The buyer confirms in one tap.

Scored on live bank flows, with consent.

03

The invoice is bought at 100%.

Under the Numa brand, the supplier is paid today.

04

On the due date, the buyer pays invoice + fee.

30 to 90 days later, by SEPA B2B direct debit.

4 → 1: each payment frees the limit for the next order.

Sign one supplier. Reach every business it supplies.

ONE INVOICE. ONE FIXED FEE.

Know the cost.

Suppliers paid in full today. Buyers pay in 30–90 days, plus one fixed fee.

Illustrative figures. The fee is set per invoice by term and risk, and shown before the buyer accepts. Not a live offer.

Invoice value€12,400

SUPPLIER RECEIVES TODAY

€12,400

Your cost: €0

Fixed fee, paid by the buyer€744 · 6%
Buyer pays in 60 days€13,144

No recourse if the buyer defaults.

INTELLIGENCE, WITH BOUNDARIES.

AI-run. Human accountable.

Consent first

Buyers are scored on live bank flows, with consent (PSD2). No connection is required in this demo.

A licensed partner

Invoices are bought by a licensed partner under the Numa brand. Numa never holds client money.

Clear before commitment

The fixed fee is shown before the buyer accepts. The assistant cannot approve anything.

Sign one supplier.
Reach every business it supplies.

Help shape Numa’s Luxembourg launch.

FOR INVESTORS & PARTNERS

Back Numa.

Start a conversation about the pre-seed round.

Back Numa