Reciiva

At a glance

• Editor score
  5.8 / 10
• Pricing
  Pricing on request
• Best for
  Supply-chain finance programs needing API workflows
• Founded
  2026 · Yaba, Lagos, Nigeria
• Facts checked
  29 Sep 2026

• Where it wins

  • Supports invoice discounting and Local Purchase Order financing.
  • Offers lender bidding and extended-terms financing for anchor buyers.
  • Includes API submission, bulk import, audit logs and fraud detection.

• Where it doesn't

  • Pricing is disclosed in the account dashboard and facility documents.
  • The platform facilitates financing but does not lend directly.
  • Funding within 48 hours is a target after offer acceptance.

Our verdict on Reciiva

Reciiva is a web-based liquidity marketplace for Nigerian supply chains, connecting suppliers, anchor buyers and independent lenders. Its workflows cover invoice discounting and early payment, financing against Local Purchase Orders before invoicing, and extended terms for anchor buyers. That breadth makes it relevant to supply-chain finance programs that need to coordinate multiple parties and submit invoices through APIs or bulk imports. Reciiva is a technology facilitator, not a lender, so organizations seeking a direct financing provider should look elsewhere.

The platform combines invoice submission and buyer validation with competitive funding rounds in which lenders can bid. It also includes settlement and repayment workflows, audit logging, AI credit scoring, automated credit memos, and invoice fraud and anomaly detection. This offers a broader operational scope than invoice discounting alone, particularly for programs handling pre-invoice purchase orders and multiple funding sources. The vendor targets funding within 48 hours after an offer is accepted; this is a target, not a stated guarantee.

Reciiva uses a contact-sales pricing model. Platform fees are disclosed in the account dashboard and facility documentation, while the published description does not provide a public price schedule. The software is cloud-based, available on web and API, and email is the listed support channel. It is positioned for small, mid-market and enterprise organizations, but the extensive workflow set may be unnecessary for teams looking only for straightforward invoice administration. Consider it when lender coordination, API-based submissions and supply-chain financing are central; choose a direct lender or narrower tool if those workflows are not needed.

Reciiva pricing

Reciiva fact sheet

Alternatives to Reciiva

• CSCommBank Stream Working CapitalA bank lending facility that turns eligible unpaid invoices into working capital.9.0
• HSHSBC Supply Chain FinanceA buyer-led financing programme for larger supply chains, not a self-serve receivables tool.8.2
• HTHSBC TradeCashSelective, multi-currency invoice financing for eligible HSBC Australia customers.7.7

See all Reciiva alternatives →

Featured on iTechGuides

Reciiva is listed in our Invoice Financing Software directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

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Last updated 29 Sep 2026 · How we research and update