Credit products / Invoice advance

You did the work.
Stop waiting 60 days for the check.

Send us the invoice and get most of it now. Your customer pays on their usual terms, and the rest comes to you then.

See my numberAsk Rhea
  • Up to 90%of each invoice up front
  • Net 30, 60, 90your customer keeps their terms
  • No hard pullto see your number
InvoiceNo. 1042 · Billed Mar 3
$48,200
Terms

Due May 2

Today, up to$43,380
When they pay$4,820less the fee

60 days you're not waiting

Up to 90% up front, shown as an example. An illustration, not an offer.

Payroll comes four times
before that check does.

MonTueWedThuFriSatSun
From this invoice, in your account$0
PayrollWaiting
  1. 01March 3. The invoice goes out.$48,200, net 60. The work is done and the money is owed.
  2. 02Then you wait. Payroll doesn't.Run payroll every two weeks and it comes four times before May 2. The invoice hasn't paid a dollar yet.
  3. 03With an advance, most of it lands when you bill.In this example $43,380 is in your account on March 3. Those four payrolls are covered by money you already earned.
  4. 04May 2. Your customer pays like always.The other $4,820 comes to you then, less the fee. You skipped the sixty days.

An example. The share up front, the fee and how payment is collected depend on who your customer is.

Who reaches for it.

  • Customers on net 30, 60 or 90They pay on time. Their time is just slow.
  • Big orders from big buyersThe order is great news. The terms are the hard part.
  • Payroll while you waitPeople get paid on Friday no matter when the invoice clears.
  • Growing without borrowing moreIt's money you already earned, paid sooner.
My bank took five weeks to say maybe. This took an afternoon.
Tom B.Custom home builderInvoice advance

Questions

Straight answers.

Does my customer have to change how they pay?

In the example on this page your customer keeps their terms. How payment is collected depends on the product, and your advisor tells you before you sign.

How much of an invoice can I get?

Up to 90% up front in many cases. The share depends on who your customer is.

Is this new debt?

An invoice advance is paid against money a customer already owes you. The exact structure is in your offer.

Will checking affect my credit?

No. Seeing your number does not involve a hard credit pull.

How fast is it?

Your number takes about two minutes. Once your statements are in, offers can come back the same day, and a wire can go out the day you sign. Timing depends on your file and on bank cutoffs.

Do I have to talk to anyone?

No. You can see your number, send your statements, compare your approvals and accept one from your portal. Your advisor is one call away if you would rather talk it through.

What do I need to apply?

A registered US business with revenue, a few details about it, and your last four months of business bank statements.

More credit products

Working capitalCash for payroll and materials while you wait to get paid.→ Credit lineMoney you can reach for when something breaks.→ Equipment creditReplace it this week. Your vendor gets paid directly.→

Got an invoice out right now?

For a business bringing in $80,000 a month. Slide to yours.

Up to$120,000
See my real number or ask Rhea first

For registered US businesses. An estimate, not an offer. Looking doesn't touch your credit. Rather talk? (980) 261-4010

See my number Call now