B2B companies wait 30–90 days for invoice payment while expenses are immediate. Traditional factoring companies charge 3–5% with 12-month contracts. Application processes take 2–4 weeks with extensive paperwork. Small invoices under $10K are rejected by most factors. $3.1T in outstanding B2B invoices creates massive cash flow gaps.
Digital invoice factoring marketplace where businesses upload invoices, multiple funders compete to purchase them at the best rate, and companies receive 80–90% advance within 24 hours — with no long-term contracts.
B2B businesses with net-30/60/90 invoices needing faster cash flow, staffing agencies with large monthly payroll requirements, and manufacturers with long payment cycles from retailers
Tight credit markets make factoring more attractive. Digital verification enables same-day funding. Marketplace model creates competition and lowers rates. Accounting API integrations verify invoice authenticity automatically.
Marketplace fee: 0.5–1% of invoice value from buyer. Spread: 0.5–1% between buyer and seller rates. Minimum: $5 per transaction. Platform subscription: $49/mo for premium features.
Traditional factoring. 1.5–3.5%, paper-heavy, long-term contracts
2–5% discount rate. 12-month contracts, 2–4 week approval, $50K minimum
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