Use Cases

A digital trade credit solution, built for the Gig Economy

Freelancer typing on laptop

Massive growth in the Gig Economy has resulted in the conception of numerous platforms which connect contractors and freelancers with organisations in search of talent.

With Hokodo, freelancers get paid on time, without impacting the balance sheet of the platform.

Over 3 million jobs are posted to global freelancing platform Upwork annually, with the marketplace reporting over $1 billion in freelancer earnings per year.However, the way that contractors are paid for their work leaves much to be desired.

Typically, large organisations insist on payment terms when invoiced for projects. Meanwhile, the freelancer requires payment as soon as the work is completed. So, either the contractor must wait to get paid, or the financing burden falls on the platform or marketplace connecting the two parties.

By offering financing on invoices raised within the platform, Hokodo solves the payment issues of the Gig Economy.

Our digital trade credit solution allows marketplaces to retain and attract freelancers and clients, while remaining protected from risk.

Download the brochure today:

How we help freelance management platforms & marketplaces

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Access more working capital.

Freelancers require upfront payment, while the large organisations they work with expect to pay on terms. The connector platform therefore often pays the freelancer before being paid by the client, putting strain on their working capital. Hokodo pays you as soon as work is complete, so you can keep both parties happy while preserving your cash flow.

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Stay competitive.

As the Gig Economy continues to grow, an increasing number of websites, marketplaces and solutions are being created to bring freelancers and organisations together. In such a saturated market, contractors and clients will remain loyal to the platforms offering the best service and the most desirable payment terms.

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The standard payment method. Modernised.

The nature of the Gig Economy means that payments are typically issued as an invoice with payment terms. Hokodo’s digital trade credit solution takes the payment method you are used to and brings it into the 21st century.

How it works


Freelancers and clients connect on your platform and agree on the work to be completed.


Once a freelancer or contractor has completed a project, they submit an invoice to the client.


Hokodo runs real-time credit eligibility checks and fraud risk assessments on the client organisation.


Via your platform, Hokodo pays freelancers up front for work completed for any organisation found to be eligible for payment terms.


The organisation pays back Hokodo when their payment due date falls 30, 60 or 90 days later.

Crates of fish

"Integrating with Hokodo has allowed us to significantly increase our value proposition to our suppliers on our B2B marketplace, through providing seamless real time credit insurance policies to the users of our platform. Guaranteeing each transaction through an API has proved priceless for Rooser!”

Joel Watt
Founder of Rooser
Wheat crops

"Hokodo and Graindex have created a unique product that gives farmers the peace of mind that they will be paid when selling their crops...Our experience working with the Hokodo team has been excellent - we can now offer our Guaranteed Payment Collection service through access to their innovative technology.”

Dave Rose
Managing Director at Graindex
Crane viewed from below

"Hokodo is a massive part of our proposition in being able to ensure suppliers receive payments on time and build trust on the platform. YardLink is on a big growth trajectory and we see Hokodo as not just ready for us right now, but that it will continue to work for us as we move forward.”

Hollie Russell
Marketing Director at Yardlink
Handmade pottery bowls of various colours

"A great User Experience and great payment terms and flexibility are the two main benefits our customers are looking for, and thanks to Hokodo we are able to offer them that…They have helped us to grow a base of extremely loyal customers all across Europe thanks to payment terms."

Pierre-Luc Joffre
CFO at Ankorstore
Handmade pottery bowls of various colours

“We see Hokodo’s Buy Now, Pay Later solution as one of the key enablers for growth in our B2B marketplace. Post-COVID, payment terms for restaurants have been tightened, so being able to offer credit is a huge value add for Katoo and all the businesses transacting on our platform.”

Karan Anand
Co-founder at Katoo

Want to find out more about how Hokodo can help you to free up working capital and grow your freelancer management platform?

Bring your business into the 21st century with a trade credit solution built for the Gig Economy.