Truck owner in his cab at dusk smiling at a payment notification on his phone
Elixia Finance · Supply chain finance

Turn completed deliveries into working capital.

Elixia Finance connects logistics execution with embedded financing, enabling eligible transporters to access working capital against completed trips and receivables. Using transaction and logistics data available across the Elixia ecosystem, financing can become faster, more contextual and increasingly automated.

For transporters → Get paid fasterFor shippers → Enable transporter finance
Embedded in the transporter app · example
Trip completedTR-4412 · delivered
POD confirmedSigned · 0 exceptions
Eligible amount calculated
Finance offerFee shown upfront
Transporter acceptsOne tap · e-sign
Funds disbursedTo the bank account on file
Completed tripsbecome working capital
Embeddedinside the Elixia apps transporters already use
Data-backedtrips, PODs and invoices, not only balance sheets
Payment cyclesunchanged for shippers

Financing based on the movement of business, not just the balance sheet.

What makes Elixia Finance different

A different
question.

Traditional financing looks at a transporter’s balance sheet. Elixia sees the business itself moving, trip by trip, across the platform.

Traditional financing asks
“How creditworthy is this transporter?”
  • Audited financial statements
  • Collateral and guarantees
  • Bureau scores
  • Weeks of paperwork

A small fleet owner with steady business and thin paperwork often looks riskier on paper than in reality.

Elixia can increasingly answer
“What actually happened in this transporter’s business?”
The trip occurredGPS trail and trip log
Delivery happenedGeo-fenced arrival at the consignee
A POD existsDigital POD from the driver app
An invoice was generatedMatched to the contract rate
Who the shipper isA verified shipper on Elixia
Historical business volumesTrips and billing over time
How the shipper has paidHistorical payment behaviour, where observable
Evidence assembled
0 / 7
How we are launching

Proven on data
before it scales.

Elixia Finance starts with evidence. Stage 0 tests historical trips, invoices and observable shipper-payment behaviour to determine whether Elixia’s operational data predicts repayment and payment outcomes.

Historical tripsCompleted, tracked and delivered
InvoicesRaised and matched on Elixia
Shipper payment behaviourWhere observable on the platform
Stage 0 · ValidateDoes Elixia’s operational data predict repayment and payment outcomes?Backtested on history before any offer is made at scale.
Stage 0Validate on history

Test whether Elixia’s operational data predicts repayment and payment outcomes.

NextPilot

Selected transporters and shippers, with financing partners.

ThenEmbed and automate

Faster, more contextual and increasingly automated offers inside Elixia.

For transporters

Get paid faster.
Keep moving.

  • Unlock cash against eligible completed business
  • Reduce cash-flow pressure
  • Fund the next trip
  • Simple embedded experience, inside the app you already use

You’ve delivered. Why wait to get paid?

DeliveredDay 0FundsAfter you acceptCustomer pays
Illustrative. Eligibility, amounts and fees are set with financing partners.
Get paid faster
For shippers

Strengthen your transport ecosystem.

  • Give transporters access to working capital
  • Improve transporter stability
  • Improve capacity availability
  • No need to fundamentally change payment cycles
Enable transporter finance
Supervisor and drivers beside a row of trucks at a factory dispatch gate at sunrise
Capacity you can count onFunded transporters keep trucks on your lanes.
Your terms stayYou pay on the agreed commercial cycle.
1Healthier transporters
2Better vehicle availability
3Fewer operational disruptions
4Stronger vendor loyalty
5Potentially better freight negotiations
Your payment cycle

Unchanged.

You
Invoice and PODYou pay · day 60
Your transporter
DeliveredFunded early

Elixia Finance helps your transport partners access working capital while you continue operating within your agreed commercial payment cycle.

Get started

Join the
launch.

Tell us who you are. Our team will walk you through eligibility, the pilot and how Elixia Finance fits your business.

Elixia Finance is launching with a pilot. Financing is subject to eligibility, partner approval and applicable terms. Screens and amounts are illustrative.

Talk to the Elixia Finance team

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Better together

Part of one
platform.

Every Elixia product shares the same trips, parties, rates and documents, so nothing is keyed in twice.

Elixia Freight

Every rate. Every bill. Settled. Annual auctions, a rate engine for every format, agreement alerts and three-way matched billing for vendors and customers.

Explore →Elixia Carrier

Bring your trucks. We bring the business. Get onboarded, accept orders, place vehicles, generate LRs, track trips and upload PODs and invoices.

Explore →Elixia Orbit

See it early. Fix it fast. Every truck, container, rail rake and air waybill in one live control tower, with AI ETAs, auto-calculated detention and digital PODs.

Explore →Elixia Partner

Ship it. See it. Settle it. Post loads, track every shipment, receive PODs and freight invoices, and pay transporters automatically.

Explore →
FAQ

Questions,
answered.

Who provides the financing?

Elixia Finance is designed to work with financing partners. Elixia provides the embedded experience and the logistics data that make offers faster and more contextual, used with the transporter’s consent.

As a shipper, do my payment terms change?

No fundamental change. You continue to operate within your agreed commercial payment cycle. Elixia Finance gives your transporters access to working capital in the meantime.

Which transporters are eligible?

Transporters with completed, POD-confirmed trips on Elixia for eligible shippers. Eligibility criteria and limits are set together with financing partners.

What data is used?

Trip, delivery, POD and invoice records on Elixia, the shipper’s identity, historical business volumes and, where observable, how the shipper has paid historically. Data is used with consent.

Is Elixia Finance live today?

Elixia Finance is launching. Stage 0 tests, on historical trips, invoices and observable shipper-payment behaviour, whether Elixia’s operational data predicts repayment and payment outcomes, before offers scale.

You’ve delivered.
Why wait to get paid?

Talk to the Elixia Finance team about the pilot, for your fleet or for the transporters who move your goods.

For transporters → Get paid fasterFor shippers → Enable transporter finance
Elixia Finance Working capital from completed tripsGet paid faster