One controlled original
Flownote maintains singularity, control and an auditable record of every lifecycle event
ETR Digital
© ETR Digital 2026
167-169 Great Portland Street, London W1W 5PF, EnglandWorking Capital Notes turn approved trade obligations into secure digital instruments that can be issued, transferred, financed and settled through Flownote
They give every participant one traceable asset from the original obligation through to final settlement
A Working Capital Note is a digital negotiable instrument issued as a promissory note or bill of exchange. Flownote manages its creation, control, transfer and settlement as one connected lifecycle
Flownote maintains singularity, control and an auditable record of every lifecycle event
The instrument can pass from issuer to holder as the underlying funding transaction is completed
Transaction data, evidence, signatures and settlement remain tied to the obligation
Issue, accept, transfer, discount and settle payment obligations through a fully digital workflow on Flownote
Enter the agreed payment details to create a digital promissory note or bill of exchange
Authorised parties complete the instrument through a controlled signing workflow
The lawful holder can receive and transfer the instrument as funding is deployed
Payment, maturity and every change of control stay visible in the same record
The same instrument supports different working-capital outcomes for buyers, suppliers and financial institutions
See how Working Capital Notes help you manage payables and receivables more efficiently through Flownote