Demand3.000%
Demand - yielding 3.000% PA, This is the on-demand alternative to bank deposits that have been the basis for Investabill® for the past 10 years.
Fixed3.750%
Fixed - yielding 3.750% PA, Funds committed for 12 months and if withdrawn prior to term, all interest accrued is automatically lost.
Term 12.00%
Term – yielding 12.00%, Funds committed for 3 years, i.e. 36 calendar months and if withdrawn prior to term, all interest accrued is automatically lost.

2025-M04 Investabill® Briefing

Investabill ETR® are fixed value Exchange Traded Receivables that are leases, monetary obligations or Bills issued under Contract for assets, goods and services supplied to investment quality† companies, or credit insured invoices from Investment Grade [IG] insurers. As at M04, Credebt Exchange® reported an Active RSA of EUR 52.03m, with EUR 62.97m fully allocated. Investor redemptions decreased to EUR 1.16m, while trading activity for M04 totaled EUR 7.86m. Consistent with previous reports, all available ETR were fully utilised.

Credebt Control® collections totaled EUR 11.0m, representing 40.00% more than the total value of traded ETR. This is an unusual result and relates to lower trade for M04 than would be typical.

Performance

In 2025-M04, trading totaled EUR 7.86m, which is c.33% lower than the EUR 11.79m recorded in 2024-M04. Trading volume decreased by 5.18%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR. Investor redemptions decreased to EUR 1.16m in M04 less than EUR 2.28m from the previous month. The Credebt® Index was recorded at 69 for M04. Demonstrating sustained performance, the Construction sector registered the largest trade in M04 at GBP 1.47m

Trend

ETR standard yield began the month at 2.138% and decreased throughout the first half of M04, reaching a low of 2.059%. It fluctuated slightly during the middle of the month before levelling off and ending M04 at 2.106%. Investor demand remains below requirements. Trade Desk continues to seek additional funding from its existing investor base. The new Equitabill ETS is expected to ‘fill the gap’ by mid-2025. The total RSA recorded for M04 was EUR 52.03m.

2025-M04 Investabill® Briefing Trade Credebt

2025 M04 ETR Briefing

† Investment quality is a combination of Investment Grade [IG] organisations & other credit worthy organisations, as determined by AIG and other credit rating providers, from time to time.

Other briefings

  • 2025-M05 Investabill® Briefing

    In 2025-M05, trading totaled EUR 6.12m, which is c.36% lower than the EUR 11.79m recorded in 2024-M05. Trading volume decreased by 0.93%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR...

  • 2025-M08 Investabill® Briefing

    In 2025-M08, trading totaled EUR 7.66m, which is c. 0.9% higher than the EUR 7.59m recorded in 2024-M08. Trading volume decreased by 10.30%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR.

  • 2025-M03 Investabill® Briefing

    In 2025-M03, trading totaled EUR 9.60m, which is c.16% lower than the EUR 11.53m recorded in 2024-M03. Trading volume increased by 25.88%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR...

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