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Coming soon
Capital line
Pay vendors early without changing your terms.
Invoice factoring lets your vendors get cash now on invoices that aren't due yet — while you keep your standard payment schedule. Payouts.com handles the underwriting, contract review, and routing, so early-payment financing is built into your accounts payable instead of bolted on.
Up to 100% advanceSame-day cashNo new debt
Coming soon
0
funded
this month
this month
Working Capital
How factoring works here
Early-payment financing runs on the same platform as your invoices, vendors, and payouts — every request is scored, verified, and funded inside the workflow you already use.
Factoring dashboard
View the invoices that are eligible for early-payment financing, and turn an approved invoice into cash before it's due.
Invoice factoring
Preview
Northwind GmbH
INV-48201 · Net 60
Invoice value
€48,200
Cash today
€47,330
paid in seconds
Factored today184
Underwriting risk engine
AI scores invoices and vendors for financing risk, reviews the contracts behind each request, and routes every application through the right verification checks.
Advance rate
Preview
100%
advanced
Standard · 80%
Plus · 90%
Max · 100%
Advanced this week$2,480,000
Vendor factoring portal
Vendors request early payment on their own invoices, right from the portal where they submit invoices and complete tax forms.
Lender marketplace
Preview
Lender A
96%
7.4%
Best
Lender B
94%
6.9%
Best
Lender C
98%
8.1%
Best
Lender D
92%
7.2%
Best
Offers received312
Why Working Capital
Built into AP, not bolted on.
Because factoring runs on the same platform as your invoices, vendors, and payouts, an early-payment request is scored, verified, and funded inside the workflow you already use — and the vendor experience lives right in the portal where they submit invoices and complete tax forms.
Cash-flow advance
Invoice INV-48201
Days sales outstanding
45 days
$
Invoice approved
Paid today
Net 45 due
0%unlocked
Freed up this quarter$18,400,000
Benefits
A natural fit for ad networks and platforms.
Net-30 publishers often want to be paid sooner. With factoring, vendors can get cash in a fraction of the time while you keep your terms, and the underwriting and risk are handled by the platform.
Up to 100% of invoice
Vendors can advance the full face value of an approved invoice, priced live against their payment history, the buyer's credit, and rail performance — not a one-size haircut.
Non-recourse by default
When the buyer defaults, the funder absorbs the loss — not the vendor. Configurable per program, transparent on every offer, fully disclosed before the vendor taps accept.
Working Capital at a glance
Same-day cash, funded off your balance sheet
100%of invoice advanced
0-dayhit to your DPO
Vettedfunder network
Same-dayto first advance
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+33 more
Transparent pro-rated pricing
Discount fees price by days-to-maturity, vendor history, and buyer credit — no hidden spreads, no surprise haircuts. Vendors see the exact net amount before they accept.
Embedded in your payouts flow
Lives inside Vendor Portal and AP Automation. Same logins, same approvals, same audit trail — vendors never touch a third-party site or sign a new contract.
Risk you don't carry · built in
Funded off our balance sheet, not yours
No new debtAn invoice sale, not a loan — nothing hits your books
No recourse to youThe funder owns buyer-default risk once a vendor advances
Opt-in, per invoiceVendors choose what to advance — nothing is automatic
Settles at maturityThe funder collects on the original due date — your DPO is untouched
Why teams switch
Pay vendors today, keep months of runway
Instead of draining your balance sheet to pay early, Working Capital advances each approved invoice from a funder network. Vendors are paid the same day, you repay on your original terms — and the cash you'd have fronted stays as runway.
Same-day advance
Northwind GmbH
€184,000
Advanced today
Advanced today
$2,480,000
Cash runway
14.6 months
runway
now+6 mo+12 mo+18 mo
Facility used48%
FAQ
Invoice factoring, answered
Everything you need to know about early-payment financing — what factoring is, how risk is assessed, and how vendors request it from their portal.
Still have questions?
What is invoice factoring?
Invoice factoring is early payment on an invoice that isn't due yet. The financing provider advances the cash now and is repaid when the invoice matures, letting the vendor get paid sooner while the buyer keeps its terms.
How is financing risk assessed?
An underwriting risk engine scores invoices and vendors, an AI contract-analysis step reviews the underlying contracts, and a verification router sends each application through the appropriate checks.
How do vendors request early payment?
Vendors request factoring directly from the vendor factoring page in their portal, alongside the invoices they've submitted.
Does it change our DPO or payment terms?
Not by a day. You continue to pay on your original net terms — the payment just routes to the funder instead of the vendor. Your working-capital cycle, your DPO, and your bank covenants all stay exactly where they were.
Which industries does Working Capital work best for?
High-frequency payout flows where vendors live and die by cash cycles: ad networks, affiliate marketing, creator economy, agencies, and any marketplace with long-tail supplier payments.
Pay your vendors today.
Without paying today.
Turn approved invoices into same-day cash for the vendors, publishers, and creators that keep your business running — funded by our network, not your balance sheet.
Working Capital products are provided in partnership with regulated third-party lenders. Availability may vary by jurisdiction. This is not a direct lending product offered by Payouts Technologies Ltd.