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

Get up to 90% cash advance for a small fee.

3

Your buyers pay later

Let your buyers pay in 30/60/90 days.

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
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Close
Digital Credit Check
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V icon
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Offer net terms via checkout
V icon
V icon
X icon
One-click Net Terms
V icon
V icon
X icon
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
X icon
X icon
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
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X icon
Chargeback and return management
Built-in
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Vendor payouts (for marketplaces)
Same-day
X icon
X icon
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
V icon
Offer net terms via checkout
V icon
One-click Net Terms
V icon
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
V icon
Offer net terms via checkout
V icon
One-click Net Terms
X icon
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
X icon
Offer net terms via checkout
X icon
One-click Net Terms
X icon
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
X icon
Existing buyer approval
Get approved again
Merhchant Flexibility on approvals and limits
X icon
Chargeback and return management
X icon
Vendor payouts (for marketplaces)
X icon
Collections
No flexibility

Old School Invoice Factoring

AR Reconciliation
X icon
Existing buyer approval
Get approved again
Merhchant Flexibility on approvals and limits
X icon
Chargeback and return management
X icon
Vendor payouts (for marketplaces)
X icon
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?
Net terms are a way to offer your buyers favorable billing terms and enables buyers to delay payment for a decided upon period of time, commonly 15, 30, 45 or 60 days after the order has been placed. Net terms enable your business to sell to buyers you may have no previous history with, and can help you scale. When a buyer pays with net terms, you will receive up to a 90% cash advance less our fees. Once we receive the full payment, we release your remaining portion. The rest of the funds will be delivered to you once your buyer has made the full payment.
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.
Do you take the risk if a buyer doesn't pay?
We work closely with our customers to ensure timely payment and resolution in the event of non-payment by a buyer for reasons other than disputes about the invoice.

If a buyer does not pay a correctly issued invoice, we will follow the agreed-upon terms with our customers to address the issue.

It's also worth noting that there are fees and conditions associated with financing we provide, including the agreed-upon advance rate and our fee. These fees are the responsibility of the merchant and are deducted from the total amount we disburse.

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.

Take your mind off payments, for good.