Frequently asked questions

Working capital is a financing solution that provides businesses with access to short-term funds to cover day-to-day operations, manage cash flow gaps, or invest in growth opportunities. Our working capital solutions include:

-Accounts payable financing to delay vendor payments.
-Accounts receivable financing to accelarate cash collection from receivables.
-Revolving line of credit to use for larger cash needs.

Unlike a traditional loan or MCA, working capital line of credit solutions are tied directly to invoices and bills. This means:

No lengthy paperwork or collateral requirements.
Terms that match your actual cash conversion cycle (30–60 days instead of year-long loans you don’t need).
Flexible draw mechanic, you only pay for what you use.

Pay suppliers upfront and secure early pay or bulk discounts.
Cover large bills by spreading payments over time.
Smooth cash flow when customers pay late.
Fund growth initiatives like inventory, staff, equipment, and expansion projects.
Finance materials needed for larger customer orders.

Credit limits are determined by monthly revenue and historical financials, modeled by our AI-driven underwriting engine. Typical transaction limits are up to $500k per invoice/bill. Lines of credit scale as your business grows, with re-underwriting every 90 days to increase available capital.

The application takes only 5–10 minutes. Businesses can often receive decisions instantly, with proposals delivered within 24–48 hours. Once approved, uploading an invoice or bill results in vendor payment the next day or immediate funding to your account.

Yes. Customers can repay anytime without penalty. Early repayment saves you financing fees since costs accrue only for the time funds are outstanding. The only non-refundable cost is the initial 1% processing fee.

Accounts payable financing, also known as reverse factoring, allows businesses to delay payments to their vendors while ensuring those vendors get paid immediately. This improves cash flow, boosts buying power, and allows companies to take advantage of early-pay or bulk purchase discounts.

With reverse factoring, a business uploads its vendor invoices into our portal. We pay the vendor immediately via ACH, and the business repays us over a flexible schedule of 14 to 60 days. This means vendors are paid upfront, while buyers get extended terms.

Traditional factoring is supplier-led: a business sells its receivables to us to get cash before its customer pays. Reverse factoring is buyer-led: a business asks us to pay its vendor invoices immediately, while the business repays us later on extended terms. Traditional factoring accelerates incoming cash while reverse factoring extends outgoing payments. We offer both, giving businesses liquidity on both sides of the cash cycle.

Both buyers and suppliers benefit:

Buyers gain more time to pay and can smooth out their cash flow, often capturing 2–3% early-pay or bulk discounts. Suppliers benefit from receiving payment immediately, strengthening relationships and reducing their credit risk.

Once a buyer submits an invoice into our platform, we send funds to the supplier the next business day. This ensures suppliers receive fast, guaranteed payment regardless of the buyer’s extended terms.

Costs include:

A 1% flat processing fee at the time of funding.

A financing fee of ~1% per month, depending on the business’s risk profile.

For example, a $10,000 supplier bill financed for 60 days would cost about $200 in financing fees plus the processing fee.

With factoring, a business uploads customer invoices into our portal or ERP integration. We then advance cash to the business right away, and the customer continues to pay on their standard schedule. Repayment occurs up to 60 days later, often after the invoice has already been paid, making it seamless for the business.

Accounts receivable financing is supplier-led; the business (supplier) gets paid early on its receivables.Reverse factoring is buyer-led; we pay the supplier upfront while the buyer repays us later.Receivables financing accelerates incoming cash while reverse factoring extends outgoing payments. We offer both, giving businesses liquidity on both sides of the cash cycle.

We can fund up to 100% of an invoice value, with a practical limit of $500,000 per invoice. This enables businesses to finance large customer orders and scale with confidence.

Pricing is simple and transparent:

1% flat processing fee at the time of funding.

~1% monthly financing fee, depending on risk profile.

For example, funding a $10,000 receivable for 60 days would typically cost about $200 in financing plus the $100 processing fee.

Funding is designed to be immediate. Once invoices are uploaded and approved, businesses can receive payment the same day or the next business day via ACH. This is significantly faster than waiting 30–60 days for customers to pay.

A payment terms product allows vendors to extend flexible net terms to their customers. It’s designed to help vendors close bigger deals and help buyers manage cash flow, all while ensuring the vendor gets paid upfront with no added risk.

With a payment terms solution, when a buyer makes a purchase, they can opt to pay over time. We pay the vendor immediately (typically 90–98% of invoice value at delivery), and the buyer repays us on their extended schedule. Vendors can decide whether to absorb the financing cost themselves (to offer “free terms”) or pass it along to their customer.

Both sides win:

Vendors benefit by increasing order sizes, boosting sales, and getting cash upfront without carrying credit risk.

Buyers benefit by gaining more time to pay for purchases, smoothing cash flow, and securing larger or more frequent orders without needing immediate capital.

For suppliers, a payment terms product means they don’t have to wait for buyers to pay. They receive near-instant cash while still offering attractive terms to customers. This strengthens vendor–customer relationships by giving customers more purchasing flexibility, without suppliers having to act as the bank.

Suppliers are paid immediately upon delivery, typically 90–98% of the invoice value is disbursed upfront. There’s no waiting for the buyer’s 30-, 45-, or 60-day repayment cycle. The remaining balance (if any) is reconciled once the buyer pays their full invoice.

Costs are structured flexibly:

Vendors can cover the financing fee to offer free terms as a sales incentive.

Alternatively, the buyer pays the fee in exchange for the ability to extend payment.This makes the product adaptable. Vendors can use it to drive sales growth, while buyers can use it as a cash flow tool.

Working capital line of credit (for larger purchases) is designed for larger business needs like inventory, taxes, or expansion projects. It provides a revolving credit facility with terms ranging from 45 to 180 days, allowing businesses to borrow, repay, and redraw as needed.

Businesses draw only the funds they need and repay them in weekly installments. Each repayment refreshes the available limit, so companies can continue accessing capital without reapplying. The credit line scales with the company’s revenue and working capital needs, making it highly adaptable.

Unlike a term loan, which provides a lump sum with fixed repayment over a long period, a line of credit is revolving: funds are borrowed, repaid, and then available again. This makes it more flexible for businesses with short-term or recurring working capital needs rather than long-term, fixed obligations.

Processing fee: 3–5% at the time of draw (deducted upfront).

Financing fee: ~1–2% per month, depending on risk profile.

There are no hidden fees, setup fees, or prepayment penalties, and businesses only pay for what they use.

No. We do not require collateral or a personal guarantee for our line of credit product. Instead, approval is based on business performance and AI-driven underwriting, unlike banks or MCA providers.

Once approved and onboarded, businesses can draw funds directly from our portal. Funding is typically available immediately after a request and disbursed via ACH, making access much faster than traditional banks.

Embedded finance refers to financial tools built directly into existing platforms like ERPs, CRMs, or vendor portals. Instead of going to a bank, businesses can access financing right where they already manage payments, invoices, and operations.

When a business uses an embedded finance product, it can request capital inside its existing platform like it's ERP. For example, a customer uploads an invoice or bill on their existing platform, and we pay their vendor immediately or advance cash on their receivables. The business repays us over its chosen term, with funds moving seamlessly through the embedded platform.

Traditional financial services: Require separate applications, lengthy underwriting, collateral, and interaction with banks or MCA providers.

Embedded finance: Offers fast, AI-driven approvals inside the platforms businesses already use. No separate portals, hidden fees, or excessive paperwork are needed.

Embedded finance removes friction by enabling instant funding decisions, transparent pricing, and seamless ERP workflows. Businesses can offer better terms to customers, pay vendors faster, and access capital without leaving their system. This creates a smoother, more predictable cash flow cycle.

Not exactly. BaaS provides the underlying infrastructure for banks to offer digital services, while embedded finance integrates financial products into non-financial platforms. Embedded finance products are designed for real-time, transaction-level financing inside ERPs, making them more specialized than general BaaS offerings.

Yes. Embedded finance can be delivered white-labeled through vendor or ERP partners. For example, we integrate directly into ERP platforms so that financing tools feel native to the partner’s environment, while still being powered by our underwriting and technology.

It’s a financing solution that gives specialty contractors access to cash to cover expenses like equipment and materials while waiting for project payments to come in.

Construction projects often involve long payment cycles, retainage (withheld payments), and significant upfront costs. Working capital financing bridges these gaps so projects can stay on schedule.

Equipment financing is tied to the purchase of specific equipment, while working capital products can be used for any operating expense.

Since retainage often withholds 5–10% of payments until project completion, working capital financing provides cash flow to cover expenses until those funds are released.

Subcontractors, suppliers, and specialty contractors (plumbing, electrical, HVAC) all benefit from working capital solutions.

Specialty contractors often juggle several jobs at once. A line of credit ensures funds are always available to start new projects without waiting for older ones to be paid.

It’s a financing solution designed to give chemical companies access to short-term funds for raw materials, regulatory compliance, or supply chain costs while waiting for customer payments.

The chemical industry faces long production cycles, high upfront raw material costs, and extended payment terms from customers. Working capital financing bridges these gaps to keep operations running smoothly.

Equipment financing funds the purchase of specific machines or facilities. Working capital financing is broader, covering operational costs like raw materials, compliance, and energy.ce

It gives manufacturers liquidity to purchase raw materials in bulk when prices are favorable, mitigating risk from price fluctuations.

Specialty chemicals, pharmaceuticals, agrochemicals, plastics, and industrial chemical producers all benefit from working capital financing.

Chemical companies face strict environmental and safety regulations. Working capital financing provides liquidity to fund compliance initiatives, audits, and certifications.

It’s a financing solution that provides cash flow support so packaging and container manufacturers can cover expenses like raw materials, labor, and energy costs while waiting for customer payments.

Because projects often require large upfront material purchases and customers may not pay for 30-90+ days. Working capital ensures operations continue smoothly during this gap.

Equipment financing covers the cost of purchasing specific machines. Working capital is broader, it funds day-to-day operational needs like raw materials, labor, and energy.

By providing funds upfront, companies can negotiate early-pay discounts with suppliers, purchase materials in bulk at better rates, and avoid costly disruptions.

Yes. When retail or food & beverage clients place seasonal bulk orders, working capital ensures manufacturers can ramp up production without straining liquidity.

It provides liquidity to source alternate suppliers, purchase backup materials, or cover higher shipping costs when supply chains are strained.

Accounts receivable financing, also known as factoring or invoice factoring, converts open receivables into immediate cash. Businesses get paid upfront on their invoices while their customers keep their usual net terms (up to 60 days). This smooths out cash flow, reduces credit risk, and accelerates working capital.

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