The problem Invoice.OS solves

In traditional supply chain finance, small to medium-sized enterprises (SMEs) face three major hurdles:

Payment Delays: Suppliers often wait 30, 60, or even 90 days to get paid for goods they’ve already delivered.

Double Financing Fraud: Fraudsters sometimes sell the same invoice to multiple banks or factoring companies. This risk makes lenders cautious, leading to higher interest rates for honest businesses.

High Barriers to Entry: Traditional "factoring" (selling invoices for cash) involves heavy paperwork, high fees, and intermediaries that many small businesses cannot afford or access.

Challenges I ran into

While setting up unit tests, I kept getting a TypeError: getSigners is undefined. Even after installing the recommended plugins, I ran into ERR_MODULE_NOT_FOUND. It felt like my computer was trapped in a fight between CommonJS (the old way) and ES Modules (the new way). The Fix: I performed a "Hardhat Reset." I deleted the node_modules and package-lock.json files, cleared the Hardhat cache, and then explicitly installed the @nomicfoundation/hardhat-toolbox. This ensured that every package—from Ethers to Chai—was on the same version page and compatible with my hardhat.config.js