We advance cash on your unpaid invoices today, so you stop waiting 60–90 days to get paid. Your customer pays us later.
Receivables Financing is a short-term working capital solution: Drip Capital advances cash against invoices you have already issued, and your customer pays on their normal terms. It frees up the cash trapped in unpaid invoices, so you are not waiting 60 to 90 days to get paid. Businesses that sell to large, creditworthy buyers use it to keep cash moving without taking on new debt.
Once you're approved and set up on the Drip Capital portal, here's how it works.
You deliver goods or services to your customer and raise an invoice due later.
You upload that invoice on Drip Capital's portal, and within 24 hours we fund it and the cash is in your account.
When your customer pays on the due date, Drip Capital releases the remaining balance to you, minus a small fee.
Cut your DSO from 60–90 days to near zero. Better DSO means better cash flow, better planning, and more capacity to grow.
Approved invoices are funded within 24 hours, not the weeks you'd wait for a bank to process a traditional loan.
Your credit decision takes 48 hours. After that, every invoice you submit is funded within 24 hours.
Your money is tied up in invoices customers haven't paid yet.
A large order needs cash up front you'd rather not wait for.
Customers on 60–90 day terms are squeezing your cash flow.
Get paid on your invoices faster than any alternative.
| Feature | Drip Capital | Traditional Factoring | Bank Line of Credit |
|---|---|---|---|
| Funding Speed | 24 Hours | 2–5 Days | 4–8 Weeks |
| Customer Notification | Required | Usually required | Not required |
| Repayment Structure | Flexible, invoice-based | Invoice collection | Fixed monthly |
| Dedicated Account Manager | Yes | Sometimes | Rarely |
Receivables Financing is designed for businesses with creditworthy enterprise buyers. Here's what you need to qualify.
US-registered business with $1M+ in annual revenue.
Your customers (the businesses that owe you the invoices) must have $1Bn+ in annual revenue: creditworthy enterprise buyers.
Your customer will be notified of the invoice assignment as part of standard Receivables Financing.
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Talk to Our Team →Receivables Financing turns your unpaid invoices into cash now. Drip Capital funds your invoice within 24 hours, and your customer pays us when the invoice comes due. You stop waiting 60 to 90 days to get paid.
You deliver to your customer and raise an invoice, then upload it on the Drip Capital portal. Within 24 hours, we fund the invoice and the cash is credited to you. When your customer pays on the due date, the facility settles, minus a small fee.
They are closely related. With traditional factoring, the financier usually takes over collecting from your customer. Drip Capital's structure is invoice-based, and you keep working with your customers directly.
Yes. Your customer is notified of the invoice assignment as part of standard Receivables Financing. You continue to manage the relationship as usual.
After a one-time credit decision of about 48 hours, approved invoices are typically funded within 24 hours.
Access the cash you've already earned. Apply for Receivables Financing today and get funded in 24 hours.