Pay Me NowTM - On Demand Invoice Financing

You select which invoices to finance. Payplant pays most of the invoice amount upfront. You get the remaining, less fees, when your customer pays us.













How We Compare


  • No Minimums
  • No Contract
  • No Artificial Limits
  • Funding Time
  • Use as Needed
  • No Bank Account Control


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  • 72 hours
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Traditional Factoring

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  • Weeks
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Term Loans

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  • Weeks
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Bank Line

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  • Months
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How It Works


Step 1
You Apply

Get your rate in 2 minutes.

Apply Now

Step 2
We Talk

So we can understand your customer relationships & financing needs. Payplant decides within a day after the call.


Step 3
Payplant Pays You an Advance

You upload or email the invoices you want financed. Payplant wires you the advance within a day of verifying invoices.


Step 4
Payplant Pays Remainder

Payplant wires you the remainder when your customer pays us.

What Our Customers Say

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    "With rapid growth in our pipeline, we needed a financing source that could increase in lock step with our business. AR Financing from Payplant is fair and adaptable, and I am glad I can count on them to help our company flourish as demand surges."

    Owner, 3D Design and Services Company

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    "Dealing with big customers has its challenges. Dealing with Payplant does not. They are accessible, responsive, and process payments quickly. Having confidence in Payplant helps me bid on new projects with greater certainty and trust."

    Owner of a Service Provider to a large Manufacturer

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    "With a seasonal business, we needed a funding partner that I could turn to on demand, and not be hit with inactivity charges. As shipments increased in the 4th quarter and our cash flow was stressed, Payplant became a dependable and fair source to keep our company thriving."

    CEO, Amazon Direct Seller

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    "The last funding company we used was a Factor. They tied us to monthly minimums and a one year term. When we wanted to leave that Factor early, we were asked to pay a hefty termination fee. We felt stuck. When we found out Payplant had no minimums and no long term contract, it felt like the handcuffs had been released. Payplant are truly a flexible partner, minimally invasive with our business, and want to see our business succeed."

    CEO, Mobile Technology Company

Pay Me NowTM Calculator

What is the Invoice Amount?

When will it be paid?

*subject to change based on completed application

Apply Now for Pay Me Now™ Invoice Financing

Step 1. Tell us About Yourself

Step 2. Tell us about your invoice financing needs

Total Invoice Amount you want to finance per month:

% of Invoice Amounts to Public Companies or Government entities:

Are there any Liens on your business? : Yes     No     Don't Know

Current Assets (rough estimate is fine):

Current Liabilities (rough estimate is fine):

Password (please select a password):

Need Help? Call 855-697-2975 or Email

What is Payplant's pricing structure?
1) Discount Rate - starting at 1.2% per month. Minimum duration is 30 days.
2) Fee - computed as follows: Invoice Amount * (Discount Rate/30) * Number of Days.
3) Advance Rate - this is the percentage of the invoice amount that we will advance. Starting at 80%.
How is Invoice Financing from Payplant different than a bank or other factoring companies?
Our goal is to understand your business, your customers, and your cash flow needs. Payplant evaluates the creditworthiness of your customer, whereas banks will focus on only your company financials and cash flow. Since our team has deep roots in working with small businesses, we understand the importance of a fair and flexible funding partner. For this reason, we have no long-term lockups or monthly minimums that you may see from other factors. See detailed comparison to other forms of funding.
What if my company has a bank loan or Line of Credit? Can I still sell invoices to Payplant?
Yes. Many banks will subordinate their lien to Payplant because receivables financing is good for your cash flow and business. If subordination is not an option, we may ask for a Personal Guaranty. Payplant evaluates this on a case by case basis.
What types of customers are good candidates for Invoice Financing with Payplant?
Ideal customers are publicly traded companies, government entities and large private companies. Evaluating the creditworthiness of these entities is more transparent, permitting a lower rate to our clients. If your customers are small private companies or start-ups, rates will be higher.
How long does the setup process take?
We can fund your first invoices in 1-2 business days if the information we request is readily available and invoice verification is prompt.
Can I finance invoices that I have already sent to customers?
Yes, as long as the invoices are not past due, are verifiable and are from an approved customer.
What information does my company need to submit to Payplant to start the Invoice Financing process?
Start by completing our online application. If your company meets basic qualifications, we will ask you to submit the following:
1) Financials - Balance Sheet, Income Statement & Cash Flow Statements for current year to-date and previous year
2) AR (Accounts Receivable) Aging report
3) AP (Accounts Payable) Aging report
4) Incorporation documents - e.g. Articles of Incorporation or Doing Business As Filings
5) Customer Contracts associated with the invoices you wish to finance
6) Bank Statements for last 3 months
7) Customer Payment history
How does Payplant verify invoices with my customers?
We have multiple options and will accomodate your preference.
1) Supplier Portal - if your customer has a supplier portal, we can verify invoices electronically.
2) Email - we can email the verification request to your customer's accounts paybale contact or you can email and copy us.
3) Phone - we can call your customer's accounts payable contact.
Will all my invoices need to come through Payplant?
No. There are two categories of customers when dealing with Payplant:
1) Approved Customers - these are customers whose invoices you wish finance through us. You don't need to finance all invoices to these customers but all payments from these customers will need to come through Payplant. We will pass through any that we did not finance.
2) Other Customers - these invoices don't come through us.
Do my customers need to know that I am selling my invoices to Payplant?
No. We will provide instructions to change Remittance Address to forward to them. Invoice verification can be done discretely as described above.
Do I need a minimum dollar volume commitment to Payplant?
How will I know if Payplant has received money from my customer?
We will alert you via email the same day. You can also check status on our portal 24x7