Delay vendor payments

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.