Advance rates & terms
What you get, and on what terms.
[Company] advances most of each certified invoice on day one and releases the balance, net of fees, on collection. Your rate is set against the risk we actually underwrite — never a flat spread applied to everyone.
How rates are set
Priced to the receivable, not to a rate card.
Two firms rarely get the same advance rate, because two firms rarely carry the same risk. We price each facility against the debtor, the certification and the dilution profile — so strong receivables earn the strongest terms.
- Set per debtor and per facility
- Reflects certification and dilution
- Stronger receivables, stronger advance
Terms at a glance
Everything that matters, in four lines.
No fine print that contradicts the headline. These are the terms that decide whether the cash is worth it — stated plainly.
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Advance rate
We advance up to XX% of the certified invoice value on day one, with the balance released — net of fees — once the debtor settles.
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Payout speed
Funds are typically disbursed within 24 hours of verification, measured against our service SLA, not from the moment you upload.
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No lock-in
No fixed term and no minimum volume. Finance the invoices you choose, when you choose, with no obligation to factor your whole ledger.
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Recourse & servicing
We service the receivable and collect from the debtor to maturity. Recourse terms are set transparently up front, alongside the fee.
What affects your rate
Six inputs decide where your rate lands.
The strongest advance rates go to the cleanest receivables. Improve the inputs below and the terms move with them — there is no hidden adjustment you cannot see and influence.
Rate inputs
- Debtor quality and concentration
- Certification status of the work
- Retention and set-off terms
- Historical dilution on the debtor
- Invoice size and tenor
- Segment and geography mix
Keep Europe building. Get paid today.
Two doors: finance your construction invoices, or partner with us on risk-sharing.
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