Industries · Professional services
You bill in arrears. Your payroll does not work that way.
Salaries are the whole cost base and they run every month. Corporate clients pay 60 days after the invoice, and only once procurement has processed it. We buy the invoice instead.
The problem
In a people business, cash flow is payroll timing.
There is no inventory to sell and no asset to borrow against. There is only a team that has to be paid and a ledger of invoices waiting on someone else's approval queue.
Every month
The whole cost base
Salaries, partners and contractors are paid on schedule whether clients have settled or not.
In arrears
Billing after delivery
Work is delivered first and billed afterwards, so revenue is always behind the effort that produced it.
Then approval
Procurement queues
Large clients add weeks of internal processing on top of the payment terms you agreed.
Your use cases
Where professional firms feel the squeeze.
Every case below is funded the same way, by buying the invoice outright. Nothing changes in how you sell or who you sell to.
01 · Payroll
Funding the monthly salary run
We buy invoices for delivered work, so the team is paid from the engagements they worked on rather than from reserves.
02 · Growth
Hiring ahead of a new engagement
A large mandate needs people in place before it bills anything. Funding the existing ledger covers the ramp.
03 · Terms
Accepting corporate payment terms
Big clients do not shorten terms for smaller firms. Agree to them and fund the invoice rather than carrying it.
04 · Projects
Smoothing milestone billing
Long projects bill in lumps while costs run continuously. Funding evens out the difference.
How it works
Approved once, then it simply repeats.
Setup is a one-time review of your business and your customers. After that, funding an invoice is routine.
01 · Ledger
Submit the invoice
You send us the invoices you want funded, for goods or services you have already delivered.
02 · Diligence
We verify
We check the invoice and the credit standing of the customer behind it. Approval is a one-time setup, then it repeats.
03 · Purchase
We buy and pay
We purchase the receivable outright and pay you for it. It is a sale, not a loan, so nothing is added to your debt.
04 · Settlement
Your customer pays us
Your customer settles on their normal terms. You pay a fee on the invoices you sell and nothing on the ones you keep.
Structure
True sale
Speed
Days, not months
Pricing
Per invoice sold
Collateral
No personal guarantees
What it unlocks
What changes once the ledger is funded.
01
Payroll independence
The salary run stops depending on which client paid this month.
02
Hire before you bill
Staff the mandate when it is won, not when it is finally paid.
03
Take the bigger client
Long terms become a commercial detail instead of a cash risk.
04
No debt, no dilution
You are converting fees you have already earned.
Who qualifies
What we look for in a business like yours.
Other industries