Keep payroll and suppliers current while a late invoice works its way through. Working capital from $25,000 based on your own deposits.
Get Cash MovingReceivables Gap Funding
A late payment from one client can stall everything. We review your deposits, not your client, and show the full repayment amount before you accept.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About three months of statements and a 5-minute application. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered, and your deposit history across all customers matters.
Your offer shows the total repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in your offer before you commit, so you can plan around when the client pays.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A general contractor stretches net 30 to net 75. A big customer's accounts payable department changes systems and everything slips a month. An agency client keeps promising the check is coming. Meanwhile your own bills keep arriving on time. One slow-paying client can tie up enough cash to put payroll, rent and supplier accounts at risk.
Funding for a slow paying client gives you cash now based on the business you already run. We offer working capital from $25,000 to $5,000,000, and the application takes about 5 minutes.
A funder is not underwriting your client. The review looks at your business:
No tax returns are required, and the process starts with a soft credit pull.
Invoice factoring sells a specific receivable and often involves the factor contacting your client. Working capital is based on your overall deposits, so your client relationship stays yours. Each has tradeoffs; our guide to invoice factoring lays them out. If slow payment is a pattern across many customers, see funding for businesses with net 30 customers.
Working capital covers a single large gap from one late invoice. A business line of credit fits businesses where late payment happens repeatedly: draw when a check is late, repay when it lands. Revenue-based financing can help when repayment should move with deposits. Sole proprietors can apply.
With those in hand, the application takes about 5 minutes.
Keep following up on the invoice in writing, and keep records of the work delivered. Funding buys time; it does not replace collecting what you are owed. Your offer shows the full repayment amount and schedule before you accept, so you know exactly what the bridge costs.
No. Working capital is based on your business deposits, not a sale of the invoice, so your client is not part of the process.
It can help explain the request, but underwriting focuses on your deposits, existing obligations and credit.
Customer concentration is something funders consider. It does not decide the outcome by itself, and your full deposit history is reviewed.
About three months of business bank statements and the 5-minute application. No tax returns are required.
Funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
These steps help both your review and your collections.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding