Risk- free Net Terms
You get paid instantly.
Your buyers pay net +15 Days.
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Lowest rates. Instant Payouts. Get started today!


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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.
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
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
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
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.
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.
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 the ability for real-time net terms at checkout, seamlessly, and with mitigated risk.
Marketplace Compliance
Full KYC and buyer onboarding, with collections and payouts taken care of.