A living operating record.
We measure what the business does, check the numbers against the paperwork, fix what is slowing it down and stay on the account. Everyone works from the same reviewed record.
Evidence → improvement → better decisionsA new possibility for the real economy
The demand is there. The machines are there.
Let’s get the power — and the financing — to match.



The encounter that started a question
A business came to us with most of its capacity sitting idle. It made the problem impossible to ignore: owning the machines is not the same as being able to run them.
So what would it take to understand that business properly — and give energy providers and capital partners the confidence to back its next step?
An anonymised situation reported to our team. These are starting conditions, not results delivered by Confluence.
Potential exists.
The missing piece is confidence.
Meet Confluence
We show what a business is really doing, help it do it better, and stand behind the payments — so energy providers can say yes more often, and capital partners can see what they are backing.
A closer look at how it works
Meter readings, invoices and collections in one place. See what you know, what is missing and what needs attention today.
Explore the process ↗Designed for the work between decisions
Projects change after the contract is signed. We stay with them — and keep the record current.
Site records, meter readings and supporting documents, gathered and reviewed in one pass.
See the complete process ↗The origin of each record stays visible.
Two parts. One purpose.
We measure what the business does, check the numbers against the paperwork, fix what is slowing it down and stay on the account. Everyone works from the same reviewed record.
Evidence → improvement → better decisionsReal capital stands behind the agreed payment cover. We take priced risk — and we keep it in plain view.
Capital → agreed cover → disciplined recoveryThe platform makes the risk understandable. The fund makes the cover possible. Providers and lenders are welcome to use the platform on its own, without taking Confluence capital.
Follow the money
A $600,000 energy installation. A business paying for reliable power. A provider with debt to service. Here is where Confluence fits.
The customer
$90,000Annual savings: $360,000 baseline less $270,000 energy payments.The provider
$78,734Before protection premium and tax: collections less $45,000 recurring costs and $146,266 senior debt service.The fund
$48,000Restricted cash backing for agreed payment cover. This is capital at risk, not income.The Confluence platform
$6,000Annual servicing fee, included in recurring costs. A separate $6,000 setup fee applies.Illustrative USD scenario, not a quote. Installation funded by $480,000 senior debt and $120,000 provider equity. Senior debt: 18% nominal annual interest, monthly repayment over 60 months. Security and setup costs are additional. Premium is separately assessed against funding cost, expected losses, expenses and minimum alpha; it is not an assumed fund return.
A shared opportunity
Size up a portfolio, tighten collections and explore payment cover.
↗02 / BusinessesBuild a record of your business that energy and finance partners can actually read.
↗03 / Capital partnersSee how projects perform, where the money goes and who decides what.
↗How we intend to earn scale
We are building our first group of projects now. These are the questions they have to answer before we take on more.
Productive hours, energy cost per unit and how reliable the supply really is — measured against where the business started.
Compare amounts due with cash collected, payment delays and the cost of servicing each project.
Measure claims, recovery costs and net premium after funding cost, losses and expenses.
Track onboarding time, evidence completeness and staff effort per site as each cohort develops.
One score is never the whole decision. Evidence quality, eligibility, concentration and independent approval all matter.
Read our evidence approach ↗
Context photography · Safari Consoler / PexelsThe future we are working towards
Reliable energy matters because of what people can do with it: run equipment, preserve goods, deliver an order and keep a business moving.
We want good businesses to be easier to understand, support and finance — starting with a carefully chosen Nigerian energy portfolio, and growing on results we can show you.
Meet our approach ↗From the Confluence notebook
Short, practical notes for anyone building a project with us.

Bring the business, the energy contract and the records behind your numbers.
Read it ↗Our method / 3 minA document, a review and a decision are three different things.
Read it ↗What actually sits behind a quoted premium — funding cost, expected losses and margin.
Read it ↗Build the next chapter with us
Bring a customer portfolio, a stubborn operating problem or a capital partnership. A conversation is a fine place to start.
Discuss a partnership ↗Speak directly with the founding team.Confluence / Legal
Privacy Policy — how information is handled across our website, enquiries and demonstration features.



Last updated: 15 September 2026
This policy explains how Confluence handles personal information through confluenceafrica.com, portal.confluenceafrica.com, its public pages, enquiries and account or demonstration features. Confluence is the platform described on this website. It is operated by Kayce Industries Limited (RC 1993445), a private company limited by shares registered in Nigeria on 31 October 2022, with its registered office at Industrial Estate, Asaba, Oshimili-South, Delta State. References to “Confluence”, “we”, “our” or “us” mean Kayce Industries Limited acting as operator of the Confluence platform. This will be updated if the platform moves to a separate Confluence entity. For privacy questions or requests, contact hello@confluenceafrica.com with the subject “Privacy”.
For website enquiries and account administration, Kayce Industries Limited determines the purposes of processing. Where an organisation uses Confluence to manage information on its behalf, the applicable service agreement and that organisation’s privacy notice also govern the handling of its records. A live financial or energy service may require an additional notice before information is collected.
Demonstration workspaces use example data and may save changes in your browser. Do not enter real customer records, identity documents, bank credentials or sensitive personal information into a demonstration workspace.
We use enquiry information to answer you and discuss a potential relationship; account information to provide access and verification; and technical records to maintain the service, investigate faults and prevent misuse.
Depending on the activity, the basis for processing may be steps you request before a contract, performance of a contract, a legal obligation, your consent, or legitimate interests such as service security and responding to business enquiries, balanced against your rights. Where consent is the basis, you can withdraw it without affecting earlier lawful processing. We do not treat simply visiting the website as consent to marketing.
The public marketing pages do not currently include advertising trackers or third-party analytics. Fonts and page photographs are served with the website.
Account features use essential cookies for sign-in and verification. The current implementation sets verification challenges for up to five minutes, account-setup grants for up to 30 minutes and sign-in sessions for up to eight hours. They may end earlier when you sign out or the service restarts.
The demonstration platform uses local browser storage to retain workspace state. It can remain until you clear that site’s storage, reset the demonstration through an available control or remove it in your browser. Clearing storage may remove locally saved work; blocking essential cookies can prevent sign-in.
If optional tracking is introduced, the notice and relevant choice controls will be updated before it is enabled where consent is required.
Information may be handled by authorised Confluence personnel and providers supporting hosting, communications and security, for those purposes. Sending us an email also involves your email provider and the mailbox service receiving it. Where external verification email delivery is enabled, the delivery provider receives the recipient address and message needed to send the code.
Project information is shared with providers, lenders, issuers or other partners only within the agreed purpose, access arrangements and applicable lawful basis. Using the website does not give every partner access to your records. We do not sell personal information.
We may disclose information where lawfully required, to protect rights and service security, or as part of a business transfer subject to applicable safeguards. Some service providers may process information outside Nigeria. Cross-border handling must meet applicable transfer requirements; contact us for information about the arrangements relevant to your engagement.
We retain personal information only for as long as it is needed for the relevant enquiry, account, agreed service, security purpose or legal obligation. The period depends on the relationship and applicable record-keeping requirements; this policy does not promise an automatic deletion date that the service has not implemented.
Account records can remain after a session expires. You can request deletion or closure by email. Records needed for a legal obligation or dispute may have to be retained, and any applicable limitation will be explained. Browser-stored demonstration information must also be cleared on the device where it was saved.
We use access and authentication controls appropriate to the service, including hashed passwords. No system is risk-free. If you suspect unauthorised access, contact us promptly and avoid sending passwords or verification codes in your message.
Subject to applicable law and relevant exceptions, you may request access to your personal information, correction, deletion, restriction or portability, object to processing, and withdraw consent where it is relied upon. You may also raise concerns about a decision based solely on automated processing that has a significant effect on you. Website examples and demonstration scores do not constitute a live credit or cover decision.
Send requests to hello@confluenceafrica.com. We may ask for proportionate information to confirm your identity and locate the relevant records. We will respond within the applicable legal timeframe and explain any restriction on a request.
You can also complain to the Nigeria Data Protection Commission. Further information is available through the Commission’s Nigeria Data Protection Act resources.
The service is intended for adult business users and is not directed at children. If a child’s information has been supplied, contact us so it can be reviewed and removed where appropriate.
External websites have their own privacy practices. We will update this policy when the service or its processing changes and show the revision date. Material changes will be brought to affected users’ attention as appropriate.
For questions about this page or your information, email hello@confluenceafrica.com. Kayce Industries Limited (RC 1993445), Industrial Estate, Asaba, Oshimili-South, Delta State, Nigeria.
Confluence / Legal
Terms & Conditions — the scope and responsibilities of using our website and demonstration.



Last updated: 15 September 2026
These terms govern access to Confluence’s public website, explanatory material and demonstration features. Confluence is operated by Kayce Industries Limited (RC 1993445), a private company limited by shares registered in Nigeria, with its registered office at Industrial Estate, Asaba, Oshimili-South, Delta State. In these terms, “Confluence”, “we” and “us” mean Kayce Industries Limited acting as operator of the platform. Questions can be sent to hello@confluenceafrica.com with the subject “Website terms”. Please read these terms alongside our Privacy Policy.
These are website and demonstration terms. A signed service, funding, energy, protection or data-processing agreement governs the relevant live relationship and takes priority if its provisions conflict with these general website terms.
Content explains Confluence’s proposed model and operating approach. Product previews, scores, forecasts, fees, savings and financial examples are illustrative unless expressly identified otherwise. They are not a binding quote, investment recommendation, offer of securities, credit approval or issued payment protection.
A request for a conversation, account access or participation in an assessment does not commit either party to finance a project or issue cover. Any live protection requires agreed terms, authorised issuance and applicable approvals. Its beneficiary, limit, exclusions, premium and claims conditions are established in the relevant agreement.
Photographs are used for context. The people shown are not presented as Confluence customers, employees or endorsers. The anonymised founding situation is not a claim of results achieved by Confluence.
Use accounts only if you are an adult authorised to act for yourself or the organisation you represent. Give accurate account information, keep access credentials private and notify us promptly if you suspect misuse. Do not share passwords, recovery codes or verification codes.
Demonstrations are for exploring the workflow with synthetic data. They are not a production record system, and access does not establish a funding, lending, insurance or advisory relationship. Do not upload real customer or sensitive records to a demonstration environment. Local demonstration changes can be lost when browser storage is cleared or the environment is reset.
You must not use the service unlawfully, impersonate another person, submit information you have no authority to use, introduce malicious code, bypass access controls, access another organisation’s records without permission or disrupt the service.
Do not extract personal or confidential information without authority, misrepresent demonstration results as actual performance, or use Confluence’s name to suggest an endorsement or financial commitment that has not been given.
Kayce Industries Limited and its licensors retain rights in the website’s design, software, text and other materials. You may view and share links to the public pages and quote limited passages with attribution as permitted by law. Reuse of third-party photographs is subject to the relevant licence.
You retain rights in information you provide. You authorise its use only as needed to respond to your enquiry or provide the feature or service you request, subject to the Privacy Policy and any applicable agreement. You are responsible for having the necessary authority to provide it. These terms do not transfer ownership of your business, assets or project data to Confluence.
We aim to keep the website useful and accurate, but content and features may change, and access may be interrupted for maintenance or technical reasons. Unless separately agreed, the public website and demonstration do not carry a service-level commitment.
We may restrict access where reasonably necessary to address misuse, protect the service or comply with law. Where appropriate, we will provide notice and an opportunity to raise a concern. Obligations concerning live customer records, continuity and exit are addressed in the relevant service agreement.
Check material assumptions before relying on website information for a commercial or financial decision, and obtain advice appropriate to your circumstances. We do not promise that a particular business will obtain funding, save a stated amount or qualify for cover.
To the extent permitted by law, Kayce Industries Limited is not responsible for indirect or consequential losses arising solely from reliance on illustrative website content or demonstration outputs. Nothing in these terms excludes liability that cannot lawfully be excluded, excuses fraud or removes rights provided by applicable consumer or data-protection law. Liability under a live transaction is governed by its agreement and applicable law.
These website terms are governed by Nigerian law, subject to any mandatory rights or protections that apply to you. Contact hello@confluenceafrica.com first so we can try to resolve a concern. This does not limit your right to approach a competent court, regulator or other legally available complaints process.
We may update these terms as the website develops. The revision date will be shown here, and material changes affecting an existing service will be communicated as appropriate. Changes do not retrospectively alter a separately signed agreement.
For questions about this page or your information, email hello@confluenceafrica.com. Kayce Industries Limited (RC 1993445), Industrial Estate, Asaba, Oshimili-South, Delta State, Nigeria.
The Confluence notebook
Practical notes for a first conversation, a project review and a clearer understanding of the model.



01 / Partner guide
Start with one business and one energy project. The purpose of the first review is to understand the case and identify what still needs to be established.
Describe what the business produces or delivers, who pays it and how its operating cycle works. Bring available records of sales, collections, energy spending and equipment use. Explain seasonality and interruptions so an unusually good or bad month does not become the whole forecast.
Bring the proposed system size, installation budget, supply arrangement and customer payment schedule. Identify who owns the equipment, who maintains it and who is responsible when delivery falls short. Separate installation costs, recurring operating costs, debt service, security reserves and fees.
Available meter records, accepted invoices, payment references and the underlying contract help connect physical delivery with money due. Missing records should be listed explicitly, with an owner and a plan to obtain them. Estimates remain estimates until reviewed against a source.
Agree whether the project is ready for assessment, needs operating improvements or falls outside the current cohort. A conversation is the start of diligence; credit and protection require their own approvals and documented terms.
Discuss a provider portfolio ↗02 / Our method
A record can be genuine and still answer the wrong question. The review must connect the source, the obligation and the decision it supports.
A meter reading relates to a particular site, instrument and period. Its calibration, completeness and timing affect how it can be used. The reviewer should be able to distinguish direct observations from estimates and see unresolved exceptions.
Energy delivered is not automatically an accepted payment obligation. Check the contract, delivery acceptance, invoice period and amount due. Then reconcile collections against the invoice. Disputed delivery and customer non-payment call for different responses.
The proposed assessment considers cash and payment behaviour, energy economics, receivable quality, operating controls, security and recovery, and governance and delivery. A favourable assessment cannot repair missing evidence. Mandatory eligibility gates and an independent review still apply.
Eligible projects are compared within a documented review batch. Available capital and exposure limits for providers and customer groups constrain selection. The strongest individual score may not fit the most balanced feasible cohort. Selection rules and exceptions need a recorded rationale.
New evidence or a material exception can change the case. Monitoring should prompt the right person to review it. Contractual default, claims and restructuring follow their own decision process, rather than an automatic response to a dashboard alert.
See the complete process ↗03 / Model explainer
Protection has a cost even when no claim occurs. Capital has to be available, records need servicing and losses must be allowed for.
For each funding source, record the outstanding amount and its annual cost or return hurdle. The blended cost is the sum of each amount multiplied by its cost, divided by total funding. Equity is not assumed to be free; a grant is treated according to its actual terms.
$60,000 at 8% + $40,000 at 3%
6% blended cost($4,800 + $1,200) ÷ $100,000For fully cash-backed cover, an illustrative annual floor is the blended funding cost plus expected loss, risk operating expenses and the required margin. Project risk can justify a higher quote. The proposed system takes the higher of that cost floor and the project risk price.
6% funding + 1% expected loss + 0.5% expenses + 2% margin
9.5% × $48,000 = $4,560Annual premium at this assumed floor. Actual terms and assessment may require more.In this illustration, $2,880 covers annual funding cost, $480 is the expected-loss allowance, $240 covers risk expenses and $960 is the planned margin. Actual claims, timing and recovery costs can change the result. A loss allowance is a pricing assumption, not a promise about realised losses.
Rail setup and servicing fees are separate from the risk premium. Record who pays each charge, avoid double-counting shared costs and include all applicable charges when assessing provider cash flow and customer savings. Currency conversion for reporting does not remove underlying currency risk.
Planning explanation, not an investment offer or a binding protection quote. This example assumes 1:1 cash backing and one year of cover; it does not assume leverage or investment income on restricted cash.
Follow the full project example ↗Photography
The site uses licensed context photography. The people shown are not presented as Confluence customers, employees or endorsers.
Photographs are used under the Pexels licence ↗. Images are cropped for the layout. Locations are stated only where identified by the source; contextual photographs are not evidence of Confluence projects.
Build the next chapter with us
Bring a customer portfolio, a stubborn operating problem or a capital partnership. A conversation is a fine place to start.
Discuss a partnership ↗Speak directly with the founding team.How Confluence works
One connected process, from the first site visit to agreed cover — with clear responsibilities at every stage.



Understand
Review the business, energy project and provider together. Reconcile source records and test whether the savings, payment capacity and delivery assumptions hold up.
Strengthen
Agree improvements, track action owners and rank eligible projects. Evidence quality, customer economics, provider execution and portfolio concentration inform the decision.
Protect
The rail records the contract and supports servicing. The fund allocates risk capital for authorised payment protection: a named provider beneficiary, a limit, a covered share, a premium and claims conditions.
Respond
An operating alert is not a default. Contact, contractual waiting and cure periods precede claims or recovery. Approved payouts give rise to agreed recourse; any restructuring or equity conversion needs a separate valuation and approvals.
Follow the money
A $600,000 energy installation. A business paying for reliable power. A provider with debt to service. Here is where Confluence fits.
The customer
$90,000Annual savings: $360,000 baseline less $270,000 energy payments.The provider
$78,734Before protection premium and tax: collections less $45,000 recurring costs and $146,266 senior debt service.The fund
$48,000Restricted cash backing for agreed payment cover. This is capital at risk, not income.The Confluence platform
$6,000Annual servicing fee, included in recurring costs. A separate $6,000 setup fee applies.Illustrative USD scenario, not a quote. Installation funded by $480,000 senior debt and $120,000 provider equity. Senior debt: 18% nominal annual interest, monthly repayment over 60 months. Security and setup costs are additional. Premium is separately assessed against funding cost, expected losses, expenses and minimum alpha; it is not an assumed fund return.
Uses the energy and owes the agreed customer payments.
Delivers under the contract and is the beneficiary of agreed payment protection.
Maintains evidence, assessment records, servicing and decision history.
Provide the capital and contractual payment protection within agreed limits.
Makes its own credit decision and receives debt service under its financing agreement.
Build the next chapter with us
Bring a customer portfolio, a stubborn operating problem or a capital partnership. A conversation is a fine place to start.
Discuss a partnership ↗Speak directly with the founding team.For energy providers
A good business can still be hard to finance. We help you see how it really operates, strengthen its record, and explore payment cover on clear terms.



A practical path forward
Start with candidate businesses, project economics and your energy contracts. We review operating fit and data availability before committing capital.
Connect delivery, accepted invoices and collections. Resolve gaps with the business and assess each project against capacity and concentration limits.
For approved projects, document the issuer, provider beneficiary, covered share, limit, premium, waiting period and claims conditions before cover begins.
Eligible unpaid customer obligations are paid to the energy provider under the agreed cover. That supports your cash flow and debt service; it is not an unlimited guarantee of every liability.
Measurement and invoice reconciliation establish whether the claimed obligation is eligible. A meter signal alone cannot approve a claim.
After payout, Confluence pursues the agreed recourse against the customer. Restructuring or equity participation requires documented assessment and approvals.
Build the next chapter with us
Bring a customer portfolio, a stubborn operating problem or a capital partnership. A conversation is a fine place to start.
Discuss a partnership ↗Speak directly with the founding team.For productive businesses
Unreliable power and scattered paperwork shouldn’t be the reason a good business gets passed over. We help energy and finance partners see what you can really do.



A practical path forward
Work with us to review energy needs, output, invoices and collections. Separate temporary problems from the changes needed for a viable project.
Agree practical actions with named owners: better records, clearer payment processes and operating improvements. Track progress against a baseline.
Share agreed evidence with your provider and relevant capital partners. Their credit and cover decisions remain independent; participation does not promise approval.
Share the information needed for assessment and ongoing servicing, with agreed access and responsibilities. Evidence quality stays visible throughout.
Provider payment protection helps address an eligible missed payment. A payout does not erase your debt or transfer ownership of your business automatically.
An operating alert prompts review and contact. Payment default, cure periods and restructuring follow the contract and human approval.
Build the next chapter with us
Bring a customer portfolio, a stubborn operating problem or a capital partnership. A conversation is a fine place to start.
Discuss a partnership ↗Speak directly with the founding team.For capital partners
See how each project is really performing — month by month, not once a year. Confluence pairs that record with separately governed risk capital behind agreed payment cover.



A practical path forward
Assess customer payment capacity, energy savings, delivery evidence and provider capability. Rank eligible projects, then apply concentration and available-capital limits.
Record each funding source and its cost. Premiums must account for allocated funding cost, expected losses, operating expenses and a configurable minimum margin.
Follow collections, evidence exceptions, capital utilisation and claims. Operational alerts trigger review; contractual default and recovery decisions require approval.
Lenders and funds can use assessment and servicing without taking Confluence capital. Data access, investment decisions and conflict handling should be explicit in each partnership.
The illustrative pilot uses one dollar of restricted cash for each dollar of cover. Any future leverage requires a separate funding structure and demonstrated loss performance.
Servicing fees are rail revenue. Restricted backing is capital at risk. Fund returns depend on premium, funding cost, losses and expenses; recovery is not an assumed equity windfall.
Build the next chapter with us
Bring a customer portfolio, a stubborn operating problem or a capital partnership. A conversation is a fine place to start.
Discuss a partnership ↗Speak directly with the founding team.Our approach
A score is never the whole answer. You need numbers you can trace, people who answer for them, and a clear line on who decides.



Source records, assumptions and unresolved exceptions remain distinguishable. A polished dashboard never substitutes for verification.
Credit, cover and recovery approvals belong to identified decision-makers. Valuation and project assessment determine any proposed equity participation; there is no fixed ownership percentage.
The beneficiary, eligible obligations, exclusions, limit and claims process are agreed before issuance. Required authorisations and approvals precede live cover.
Built with practical curiosity
Confluence is a Lagos-based team developing its initial partner cohort, with David Ojimba and Samuel Elensi as key team members.
We are looking for providers, productive businesses and capital partners who want to test this model against operating reality and build the evidence for responsible growth.
Speak with David ↗How we intend to earn scale
Use eligibility gates and a documented ranking, then account for portfolio concentration and available capital.
Track baseline performance, collections, evidence quality, claims and recovery costs against the original assumptions.
Use observed performance to refine pricing and operating policies before increasing exposure. Examples on this site are illustrations, not customer results.
Build the next chapter with us
Bring a customer portfolio, a stubborn operating problem or a capital partnership. A conversation is a fine place to start.
Discuss a partnership ↗Speak directly with the founding team.Designed for the work between decisions
Projects change after the contract is signed. We stay with them — and keep the record current.
Site records, meter readings and supporting documents, gathered and reviewed in one pass.
See the complete process ↗The origin of each record stays visible.
Designed for the work between decisions
Projects change after the contract is signed. We stay with them — and keep the record current.
Compare delivered energy, accepted invoices and recorded collections. Surface mismatches for review.
See the complete process ↗An unresolved mismatch needs a decision.
Designed for the work between decisions
Projects change after the contract is signed. We stay with them — and keep the record current.
Record what needs to change, who owns the action and which evidence will demonstrate progress.
See the complete process ↗Illustrative action, not a live customer case.
Designed for the work between decisions
Projects change after the contract is signed. We stay with them — and keep the record current.
Review collections and cover alongside the operating record. Apply agreed waiting periods and approval rights.
See the complete process ↗An alert starts a review; it is not a default.
Designed for the work between decisions
Projects change after the contract is signed. We stay with them — and keep the record current.
Compare actual costs, collections, claims and recoveries with the assumptions used at origination.
See the complete process ↗Use the record to refine policy before expanding.
A closer look at how it works
Meter readings, invoices and collections in one place. See what you know, what is missing and what needs attention today.
Explore the process ↗A closer look at how it works
Review the business, resolve evidence gaps and compare eligible projects within available capital. A score supports judgement; it never replaces it.
Explore the process ↗A closer look at how it works
Document the beneficiary, the funded limit and the claims process. Track what the provider receives and what the customer still owes.
Explore the process ↗Follow the money
A $600,000 energy installation. A business paying for reliable power. A provider with debt to service. Here is where Confluence fits.
The customer
$90,000Annual savings: $360,000 baseline less $270,000 energy payments.The provider
$78,734Before protection premium and tax: collections less $45,000 recurring costs and $146,266 senior debt service.The fund
$48,000Restricted cash backing for agreed payment cover. This is capital at risk, not income.The Confluence platform
$6,000Annual servicing fee, included in recurring costs. A separate $6,000 setup fee applies.Illustrative USD scenario, not a quote. Installation funded by $480,000 senior debt and $120,000 provider equity. Senior debt: 18% nominal annual interest, monthly repayment over 60 months. Security and setup costs are additional. Premium is separately assessed against funding cost, expected losses, expenses and minimum alpha; it is not an assumed fund return.
Follow the money
A $600,000 energy installation. A business paying for reliable power. A provider with debt to service. Here is where Confluence fits.
The customer
$22,500An accepted monthly invoice remains unpaid after the waiting period.Cash security
$0Assume the $22,500 reserve was used on an earlier missed invoice.The fund
$20,25090% of this invoice is paid to the provider, within available cover.The remaining claim
$2,250Uncovered provider exposure. Confluence separately holds its $20,250 customer recourse claim.Illustrative USD scenario, not a quote. Installation funded by $480,000 senior debt and $120,000 provider equity. Senior debt: 18% nominal annual interest, monthly repayment over 60 months. Security and setup costs are additional. Premium is separately assessed against funding cost, expected losses, expenses and minimum alpha; it is not an assumed fund return.