Deferred receivables, funded from day one.

Ajx is a marketplace where seekers tender packages of deferred-payment receivables and funders bid — under one standard, the Lending Protocol.

— live opportunities · — approved funders
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Real · Trade · Lite · UAE first, Gulf next
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Log in as a funder to see the full package, the Q&A and bid.

Three services, one marketplace

Every package is tendered the same way: standard template, comparable bids, standard security.

Ajx Real

Real estate receivables

Post-handover instalments, long payment plans, land and construction debt or equity — tendered as a package against named units and assigned receivables.

  • 10, 15, 20-year payment plans
  • Cash at handover instead of over a decade
  • Registered security on named units
Ajx Trade

B2B deferred settlement

Suppliers and contractors with invoices on 60–180 day terms tender the receivables book; funders advance against approved, assigned invoices.

  • Standardised invoice schedule
  • Buyer acknowledgement and assignment
  • Rolling or single-tranche facilities
Ajx Lite

Recurring fee smoothing

Schools, clinics, clubs and service businesses with annual or termly fees paid in instalments tender the schedule; funders fund the year up front.

  • Predictable collections from a known base
  • Short tenors, small tickets
  • Pledged collection account

How it works

The seeker keeps the customer relationship and collects. The funder advances against the receivables. A pledged collection account repays the funder.

Payer

Signs the payment plan, invoice terms or fee schedule with the seeker. Same contract, same relationship. Never enters the credit system.

Seeker

Lists the package, holds title or contract rights, services the collections and takes first loss.

Collection account

Pledged to the funder, run by the seeker's bank. Payers keep paying to the same place.

Funder

Advances against the assigned receivables and, for Real, registered mortgages on named units.

1
List — the seeker uploads one Excel template; Ajx checks it and publishes the tender to eligible funders.
2
Bid — funders submit comparable offers: advance rate, pricing, tenor, fee, covenants. The seeker sees them side by side.
3
Accept — preliminary acceptance releases contact details to both parties and triggers the flat acceptance fee.
4
Close — the deal is negotiated and signed directly between seeker and funder. Ajx steps back; the outcome is reported on the platform.

Built for both sides of the market

Seekers tender. Funders bid. Ajx steps back at preliminary acceptance — the deal closes directly between you.

Seekers

  • Developers, contractors, suppliers, schools and service businesses
  • Turn a receivables schedule into cash now
  • Upload one template; get comparable bids on your dashboard
  • Identity anonymised until you accept a bid
Register as a seeker

Funders

  • Banks, Islamic banks, private credit, funds and family offices
  • Standardised, pre-modelled deal flow that matches your criteria
  • Security under one protocol — no bespoke structuring per deal
  • Seeker services and takes first loss
Register as a funder

The Lending Protocol

A market-neutral security standard — regulator-acceptable, easy on seekers, secures every funder type. Every Ajx tender is Protocol-compliant by construction.

1 · Named receivablesUnits, invoices or fee schedules listed by reference in the tender and facility agreement
2 · SPV ring-fenceAssets held in a single-purpose vehicle where required; share pledge to the funder
3 · Registered securityDLD-registered mortgage on each unit at handover (Real); assignment notices (Trade, Lite)
4 · Receivables & accountContract rights assigned; pledged collection account at the seeker's bank
5 · Payer protectionNon-disturbance, recovery cap, step-in, automatic release on final payment
6 · True-upFacility is a limit; drawdown equals the actual balance at the funding date
7 · WaterfallServicing → profit or interest → principal → reserve → seeker surplus
8 · Default pathContract termination and resale or re-assignment; funder step-in; payers unaffected

See a sample Tender Document →  ·  Sample Offer Document →  ·  Seeker template (Excel) →

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