# Investly

**Canonical:** https://apis.io/providers/investly/  
**Website:** https://www.investly.co/  
**APIs profiled:** 1

Investly is a European fintech invoice-financing marketplace that helps growing small and medium-sized businesses unlock working capital by financing their outstanding 30-180 day invoices. Businesses sell their approved invoices through a reverse-auction marketplace where investors bid to fund them, giving merchants the best available price from multiple funding providers and access to cash in 1-3 working days rather than waiting on customer payment terms. Founded by Siim Maivel and operating across Estonia and the United Kingdom, Investly is backed by Speedinvest, Startup Wise Guys, and Founders Capital. The platform serves established businesses across manufacturing, wholesale, construction, logistics, and business-services sectors and has funded invoices worth tens of millions of pounds to date. Investly runs a production HAL/HATEOAS backend API at api.investly.co, though it does not currently publish a public developer portal, OpenAPI specification, or API reference documentation.

## Kin Score — 16.2 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 16.2).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **Investly API** — Production HAL/HATEOAS (Spring Data REST style) backend API served at api.investly.co. The root returns a hypermedia _links document exposing a profile link; no public OpenAPI/S...

## Security (1)

- **Investly Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Invoice Finance, Invoice Discounting, Lending, Working Capital, SME Finance, Marketplace, Estonia, United Kingdom

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/investly/). Scores are computed from the provider's own public artifacts under a published rubric.