Risk- free Net Terms

You get paid instantly.
Your buyers pay net +15 Days.

30
60
Lowest rates. Instant Payouts. Get started today!
Trusted by leading platforms and agencies

How it works

1

Buyers apply for a one-click credit check

Your buyers can apply for Net Terms in seconds, or assess buyers ahead of time.

2

You get paid now

Balance pays you 100% of the invoice after completion of delivery/services.

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 after completion of delivery/services.

3

Your buyers pay later

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

Better invoice factoring

Balance
Digital Financing Companies
Old School Invoice Factoring
Buyer Experience
See more
Close
Digital Credit Check
Offer net terms via checkout
One-click Net Terms
Total merchant 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 Financing Companies
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 Financing Companies
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
2.5-5% 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
Total merchant credit limit
$1M instant, higher upon request
Buyer Exposure to Invoice Factoring
None, collections can be owned by Merchant

Digital Financing Companies

Digital Credit Check
Offer net terms via checkout
One-click Net Terms
Total merchant 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
Total merchant 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 Financing Companies

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 Ffees
Only payment processing fees

Digital Financing Companies

Merchant risk
Varies
Advance rate
(What you get paid now)
80-90%
Pricing
2.5-5% 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?
Balance offers on your behalf buying power to your customers for BNPL (Buy Now, Pay Later).  You will receive funds upon completion of delivery/services while your customer will have a delayed due date for their invoice.
What is required from the buyer to get assessed?
We run a standard KYC check on your buyer to evaluate risk. There are 3 ways buyers can be assessed: (1) the buyer connects their bank account, (2) the buyer enters their business name, address, and EIN, or (3) you qualify 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. Balance takes on 100% of the risk.
Are there credit limits? Is there any way to go above?
Every buyer can be assessed automatically for limits up to $50,000. Requests exceeding $50,000 are reviewed on a case by case basis with results usually within 2 business days.
Who is collecting payments? Will Balance be contacting my buyers?
Balance is built to be a white-label solution that allows you to maintain the relationship with your customers. Therefore, Balance will always contact you first regarding any collection issues, and will attempt to reach the buyer directly only in extreme circumstances.
Whose name is on the invoice?
Merchants can choose whether they want Balance’s name or their name on the invoice.