Unlock new revenue with embedded finance on your platform

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.

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.

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.