Yet more ingenuity out of Israel. Fintech that deals with bouncing or delayed cheques. Billy Inc allows lenders from around the world bid anonymously to finance your invoice. Billy allows SMEs to choose the best credit bids from many financial institutions, for specific unpaid invoices and transactions are closed live and online via web or mobile application. The system rings a bit like Accretive in Japan which allows suppliers to megastore Don Quijote and other businesses to sell their accounts receivable at a discount to the company to help smooth cash flows instead of waiting 90 days for payment.