Risk- free Net Terms
You get paid instantly.
Your buyers pay net +15 Days.
30
60
.png)
Lowest rates. Instant Payouts. Get started today!
Thank you! Your submission has been received!


.jpeg)
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.
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)
(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
Buyer Exposure to Invoice Factoring
Digital Financing Companies
Digital Credit Check
Offer net terms via checkout
One-click Net Terms
Total merchant credit limit
Buyer Exposure to Invoice Factoring
Old School Invoice Factoring
Digital Credit Check
Offer net terms via checkout
One-click Net Terms
Total merchant credit limit
Buyer Exposure to Invoice Factoring
Seller Experience
Balance
AR Reconciliation
Existing buyer approval
Merhchant Flexibility on approvals and limits
Chargeback and return management
Vendor payouts (for marketplaces)
Collections
Digital Financing Companies
AR Reconciliation
Existing buyer approval
Merhchant Flexibility on approvals and limits
Chargeback and return management
Vendor payouts (for marketplaces)
Collections
Old School Invoice Factoring
AR Reconciliation
Existing buyer approval
Merhchant Flexibility on approvals and limits
Chargeback and return management
Vendor payouts (for marketplaces)
Collections
Financial Terms
Balance
Merchant risk
Advance rate
(What you get paid now)
(What you get paid now)
Pricing
Additional Ffees
Digital Financing Companies
Merchant risk
Advance rate
(What you get paid now)
(What you get paid now)
Pricing
Additional fees
Old School Invoice Factoring
Merchant risk
Advance rate
(What you get paid now)
(What you get paid now)
Pricing
Additional fees
Zero risk, zero hidden fees
2.0%
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.
Learn more
B2B Checkout
A dedicated experience for B2B eCommerce businesses and marketplaces.
Payment Methods
Accept any payment method, including ACH, wire transfers, checks, and credit cards.
Vendor Payouts
Easily manage and pay out third party vendors globally in local currency.
Net Terms
Provide buyers with real-time net terms at checkout, seamlessly and risk-free.
Marketplace Compliance
Full KYC and buyer onboarding, with collections and payouts taken care of.
Take your mind off payments, for good.
Thank you! Your submission has been received!