Earlypay Ltd (EPY) is a financial services company that provides secured finance solutions to small and medium-sized enterprises (SMEs). Its core product is invoice financing, which helps SMEs manage cash flow by providing immediate funds against outstanding customer invoices, often reducing the waiting period of up to 60 days for payment. In addition to invoice financing, Earlypay offers equipment and vehicle financing, enabling SMEs to invest in essential assets. The company also provides trade finance, allowing clients to pay their suppliers, thereby supporting business operations and growth.