Don't let a 30-day wait for a client payment slow you down. Convert unpaid invoices into cash with BILL Invoice Financing and get your money in as little as 5-10 minutes.¹
Helping thousands of
small businesses, like yours
Never miss a growth opportunity
Waiting on funds can mean missing out on crucial business opportunities, like securing materials for a new construction project or expanding inventory. Get the cash you need to grow, exactly when you need it.
Manage daily urgencies
Whether it's growing business costs or urgent unpredictable expenses, getting paid immediately removes the anxiety of a negative bank balance.
Simple and transparent
Skip the complicated applications. With BILL, you just click a button, see your simple one-time fee,3 and get your financing decision instantly.
How it works
You’ve finished the job and you’re ready to invoice your customer.
Your customer approves the invoice in BILL, and you’ll see the payment due date (how long you’ll wait to get paid, which is often 15 to 30+ days).
Choose to advance the unpaid invoice for a simple, one-time fee, and you'll get your money in minutes. Or skip the fee and wait out the payment on the normal schedule. If eligible, simply complete the application flow, and if approved, your funds will hit your account in as little as 5-10 minutes.
For ultimate peace of mind, you can set up Invoice Financing to be automatic. As soon as your client approves each invoice, you'll get paid right away, cutting client wait time out of the equation.
What our customers are saying
What customers are saying about BILL Spend & Expense
Frequently asked questions
Each invoice you finance has a one‑time financing fee, between 1.99% and 4.99%. The exact rate will be displayed at the time of signing the agreement. You'll see the exact fee before you confirm, and there's no interest if the financed amount is paid back in 2 months.
Each invoice you finance has a one‑time financing fee, between 1.99% and 4.99%. The exact rate will be displayed at the time of signing the agreement. You'll see the exact fee before you confirm, and there's no interest if the financed amount is paid back in 2 months.
Invoice Financing lets you get paid before your customer sends the payment by advancing approved but unpaid invoices for a one-time financing fee.
Instant Transfer speeds up payments that are already in flight, moving money into your bank account in minutes for a small fee.
Invoice Financing lets you get paid before your customer sends the payment by advancing approved but unpaid invoices for a one-time financing fee.
Instant Transfer speeds up payments that are already in flight, moving money into your bank account in minutes for a small fee.
Invoice Financing is available to BILL receivables customers whose business and invoices meet risk and eligibility criteria. Eligibility considers things like how long you've been a BILL customer, payment history, invoice size and due date, and the customers paying your invoices (among other factors). If you are indeed eligible, you will see a “Pay me now” option on qualifying invoices in BILL as well as emails calling out your eligibility.
Invoice Financing is available to BILL receivables customers whose business and invoices meet risk and eligibility criteria. Eligibility considers things like how long you've been a BILL customer, payment history, invoice size and due date, and the customers paying your invoices (among other factors). If you are indeed eligible, you will see a “Pay me now” option on qualifying invoices in BILL as well as emails calling out your eligibility.
No! You don't need to wait for a client's payment to be late—that’s not how it works. You can use Invoice Financing as soon as an invoice is approved by your client. Once your client pays that same invoice as they normally would, BILL will use those funds to cover the money you received from Invoice Financing.
No! You don't need to wait for a client's payment to be late—that’s not how it works. You can use Invoice Financing as soon as an invoice is approved by your client. Once your client pays that same invoice as they normally would, BILL will use those funds to cover the money you received from Invoice Financing.
If your bank account supports instant payments, funds can arrive in as little as 5–10 minutes. More information here. Otherwise, funds are sent via standard ACH, which typically arrives in 1–2 business days.
If your bank account supports instant payments, funds can arrive in as little as 5–10 minutes. More information here. Otherwise, funds are sent via standard ACH, which typically arrives in 1–2 business days.
Completing the application uses a soft credit inquiry, not a hard pull, so it does not affect your credit score when getting access the product.
Completing the application uses a soft credit inquiry, not a hard pull, so it does not affect your credit score when getting access the product.
Funds can be disbursed to:
- Eligible bank accounts that support instant payments (for near real‑time funding)
- Standard U.S. bank accounts via ACH (1–2 business days)
- Supported debit cards you add as a payout method for Invoice Financing
Funds can be disbursed to:
- Eligible bank accounts that support instant payments (for near real‑time funding)
- Standard U.S. bank accounts via ACH (1–2 business days)
- Supported debit cards you add as a payout method for Invoice Financing
Check out our full list of FAQs to learn more about how this feature works and how to use it to your business’s advantage.
