This sounds very similar to lot of invoice based cash advance services in India. As invoices for recurring or one time services rendered to other companies are generally T+30 or even longer, small and mid size companies uses these invoices for getting cash in advance to keep their cash flow going. And the invoices are rated like loans based on how trusted the company who is being invoiced is. It is a very interesting business I learned about only few years back but must have been in some form or other since when invoice like instruments began to be used.