Risk- free Net Terms

You get paid instantly.
Your buyers pay net +30 Days.

60
90
Lowest rates. Instant Payouts. Get started today!
Trusted by leading platforms and agencies

How it Works

1

One-click credit check for buyers

Your buyers can apply for Net Terms in seconds

2

You get paid now

Balance pays you 100% of the invoice. Instantly.

3

Your buyers pay later

We take on 100% of the risk, whether your buyers pay or not.

1

One-click credit check for buyers

Your buyers can apply for Net Terms in seconds

2

You get paid now

Balance pays you 100% of the invoice. Instantly.

3

Your buyers pay later

We take on 100% of the risk, whether your buyers pay or not.

Better invoice factoring

Balance
Digital Net Terms
Old School Invoice Factoring
Buyer Experience
See more
Close
Digital Credit Check
Offer net terms via checkout
One-click Net Terms
Credit Limit
$1M instant, higher upon request
$100k-$1M
$100k-$1M
Buyer Exposure to Invoice Factoring
None, collections can be owned by Merchant
Some, collections are owned by factoring company
Some, collections are owned by factoring company
Balance
Digital Net Terms
Old School Invoice Factoring
Seller Experience
See more
Close
AR Reconciliation
Automated
Existing buyer approval
Pre-approval enabled
Get approved again
Get approved again
Merhchant Flexibility on approvals and limits
Merchant can pre-set approvals and limits for specific buyers
Chargeback and return management
Built-in
Vendor payouts (for marketplaces)
Same-day
Collections
Merchant choice: can be owned by merchant or Balance
No flexibility
Owned by factoring company
Balance
Digital Net Terms
Old School Invoice Factoring
Financial Terms
See more
Close
Merchant Risk
0 (non-recourse factoring)
Varies
Usually recourse factoring* (merchant shares risk)
Advance Rate
(What you get paid now)
100%
80-90%
60-90%
Pricing
2% of invoice/month
2.5-4% of invoice/month
4-9% of invoice/month
Additional Fees
Only payment processing fees
Payment processing, Servicing, Renewal, Termination, Extended Term Fees
Payment processing, Servicing, Renewal, Termination, Extended Term Fees
No items found.
Buyer Experience

Balance

Digital Credit Check
Offer net terms via checkout
One-click Net Terms
Credit Limit
$1M instant, higher upon request
Buyer Exposure to Invoice Factoring
None, collections can be owned by Merchant

Digital Net Terms

Digital Credit Check
Offer net terms via checkout
One-click Net Terms
Credit Limit
$100k-$1M
Buyer Exposure to Invoice Factoring
Some, collections are owned by factoring company

Old School Invoice Factoring

Digital Credit Check
Offer net terms via checkout
One-click Net Terms
Credit Limit
$100k-$1M
Buyer Exposure to Invoice Factoring
Some, collections are owned by factoring company
Seller Experience

Balance

AR Reconciliation
Automated
Existing buyer approval
Pre-approval enabled
Merhchant Flexibility on approvals and limits
Merchant can pre-set approvals and limits for specific buyers
Chargeback and return management
Built-in
Vendor payouts (for marketplaces)
Same-day
Collections
Merchant choice: can be owned by merchant or Balance

Digital Net Terms

AR Reconciliation
Existing buyer approval
Get approved again
Merhchant Flexibility on approvals and limits
Chargeback and return management
Vendor payouts (for marketplaces)
Collections
No flexibility

Old School Invoice Factoring

AR Reconciliation
Existing buyer approval
Get approved again
Merhchant Flexibility on approvals and limits
Chargeback and return management
Vendor payouts (for marketplaces)
Collections
Owned by factoring company
Financial Terms

Balance

Merchant Risk
0 (non-recourse factoring)
Advance Rate
(What you get paid now)
100%
Pricing
2% of invoice/month
Additional Fees
Only payment processing fees

Digital Net Terms

Merchant Risk
Varies
Advance Rate
(What you get paid now)
80-90%
Pricing
2.5-4% of invoice/month
Additional Fees
Payment processing, Servicing, Renewal, Termination, Extended Term Fees

Old School Invoice Factoring

Merchant Risk
Usually recourse factoring* (merchant shares risk)
Advance Rate
(What you get paid now)
60-90%
Pricing
4-9% of invoice/month
Additional Fees
Payment processing, Servicing, Renewal, Termination, Extended Term Fees

Zero risk, zero hidden fees

2.0%
Pay 2.0% of invoiced amount each month.
Get paid in full. With 0 risk.
Let’s Talk

FAQ

What are Net Terms?
Offering Net Terms lets buyers purchase now, but pay later. They are also known as BNPL for B2B (Buy Now, Pay Later), invoice factoring, credit line financing, and invoice financing.
What is required from the buyer to get approved?
We have to run a standard KYC check on your buyer to evaluate the risk. There are 3 ways buyers can be approved: (1) connecting their bank account, (2) enter their business name, address, and EIN, (3) you pre-approve the buyer by entering their business name, address, and EIN on their behalf.
What happens if the buyer doesn’t pay?
You have 0 liability if the buyer doesn’t pay, as Balance takes on 100% of the risk without recourse.
Are there credit limits? Is there any way to go above?
Our instant credit limit is $1M. We can extend larger lines of credit upon request, both for individual and recurring payments above $1M.
Can I pre-approve existing buyers without a credit application?
  • Yes, existing buyers can be pre-approved for net terms financing, and they will be offered Net Terms automatically.Who is collecting payments? Will Balance be contacting my buyers?
  • Merchants can choose to let Balance handle collections or to own the direct customer relationship end-to-end and continue handling collections themselves.
Whose name is on the invoice?
Merchants can choose whether they want Balance’s name, a vendor name, or their name on the invoice.
What happens if a buyer only qualifies for partial financing?
If the buyer is only approved for partial financing, they will be notified of their individual credit limit and can still purchase up to that amount with full financing.
What happens if a buyer doesn’t qualify for financing?
If the buyer isn’t approved automatically, this doesn’t necessarily mean we can’t offer them financing. You can dispute and send over any documents that display the buyers’ ability to pay (eg. transaction history with the buyer or bank statements).