Financial operating system
APEX Enterprise runs the whole deal for PO financiers, invoice financiers and bridging lenders who fund deals with investor capital. 23 modules cover CRM and origination, lending, investor and fund management, collections, reporting, automation and compliance.
The problem
You source the deal, your investors fund it and you run the operation in between. Most teams do that on a spreadsheet.
One workbook and one person who knows the formula. When they are away, someone recalculates every investor split by hand and hopes it matches last time.
Leads, credit decisions, disbursements, repayments and collections sit in different places, so nobody sees the whole book at once.
NCA checks, POPIA records and committee sign-offs are easy to skip when they are not built into the way work flows.
The difference
APEX has a settlement engine that understands the difference between the company that sources the deal and the investors who fund it. It applies each investor's model automatically, 50/50 profit split or fixed return with penalty and reward rates, and shows your retained margin.
Features
Nine functional pillars, from the first lead to the investor being paid.
Applications from the web or email create themselves in the CRM, with risk assessment and NCA pre-screening from the first touch.
Approvals for your team and credit committee, an active loan book and a disbursement queue ready for EFT.
Fund partner profiles, co-funded deals, an investor ledger and payouts calculated automatically at settlement.
A dialling queue, promises to pay, automated SMS reminders and PAR buckets from 1 to 30 days through to legal.
Email, SMS and WhatsApp in one unified inbox, with a support and tickets desk.
An executive dashboard, a reporting studio and predictive analytics that flag risk early.
No-code rules that send emails, SMS and WhatsApp messages and webhooks when something happens.
NCA pre-screening that cannot be bypassed, POPIA field-level logging, committee approval and an immutable 7-year audit trail.
Six named roles, an encrypted document vault, an integrations hub, two-factor sign-in and session timeouts.
How it works
From your web form or email, straight into the CRM with documents attached.
KYC, NCA pre-screening and a transparent risk score on every application.
Your approval policy runs, large deals go to committee and investors receive their allocations.
Funds paid by EFT, repayments reconciled and reminders sent automatically.
Every investor's return calculated, the schedule published and fund partners notified.
Pricing
Deal volume, seats and investor funds decide the price. There is no published price list, and you get a fixed quote before you commit.
CRM and origination running in week one, automatic payouts at settlement and an investor ledger for up to 5 fund partners.
The full 23-module platform, WhatsApp Business and a unified inbox, collections with PAR buckets and workflow automation.
Custom fund structures, a dedicated onboarding team and data migration, custom reports and SLA-backed support with a named engineer.
Connects to
Who it's for
Built for you if
Not the right fit if
For the first time, the payout calculation isn't a person, it's the system. Settlements that used to take half a day now take seconds, and our investors can see their numbers themselves.
Questions
We move your active book into APEX before you go live: deals, investors, client records and historical payouts. APEX imports Excel and CSV files directly, and you can run both side by side until you're comfortable.
Yes. Each investor has their own model, such as a 50/50 profit split or a fixed return, with penalty and reward rates. Enterprise clients can add custom fund structures.
NCA pre-screening runs on every application and cannot be bypassed. POPIA access is logged at field level, large deals need committee approval and every action is kept in an audit trail for 7 years.
On your book: deals per month, seats and fund partners. There are three plans, Essential, Growth and Enterprise, and you get a fixed quote before you commit.
IDT builds and maintains APEX in South Africa. Every deployment comes with a 90-day warranty, and Enterprise clients get SLA-backed support with a named engineer.
See APEX Enterprise working on your own data.
Built and supported in South Africa by Intermediate Data Systems.
