(Previously Not Ranked)

Drawing on earlier e-finance experiences, Justin Brownhill and Nicolas Perkin have come up with a winning online business-to-business idea. Their Receivables Exchange enables small- and medium-size companies to finance accounts receivable at what Perkin terms “21st-century velocity.”

Once a company is registered and approved, which can take a day or two, it can post invoices and obtain working capital in a flash from banks and other investors that have signed on as buyers. That’s quite an improvement on the 30....