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You did the work. Get paid for it.

Kapwork certifies your invoices in your customer's own portal or email, then sends them to funders who compete to fund them. Free for your business.

Certified invoiceKC-7F3A-20418Example
$184,250.00
Seller
Ridgeline Tower Services LLC
Buyer
Northfield Wireless Inc.
Due
Dec 18, 2026
Source
The buyer's AP portal
Seal
Intact
Buyer's status
PendingApprovedPaid
  • $700M+in receivables certified
  • 4,000+supplier portals
  • 0fraud incidents
  • SOC 2Type I & II

Figures as of November 2026.

Up to 90% advanced on certified invoices, versus a conservative 75%.

  • SAP Ariba
  • Coupa
  • Oracle
  • OpenText
  • Outlook
  • Gmail
  • 4,000+ more

A business does the work, sends the invoice, and waits months to be paid.

Its customer uses that money in the meantime, and a lender charges a premium because nobody can cheaply confirm the invoice is real.

So we built a way to certify it.

InvoiceINV-20418Example
$184,250.00
Seller
Ridgeline Tower Services LLC
Buyer
Northfield Wireless Inc.
Due
Dec 18, 2026
Status
Ready to get paid now

Four steps.

  1. ConnectKapwork gets read-only access. We never submit, approve or change an invoice.
  2. CertifyEach invoice certified as approved in your customer's own portal.
  3. ManageConfirm your business and send one application. Kapwork reviews it, then sends it to the funders that fit your business.
  4. FundFunders make offers. You decide which to take.

In their own words.

  • The certification was the surprise. Because funders trust the invoices, they compete for them. We went from chasing capital to choosing it.

    Carlos RoaEyeCatch Networks
  • First quote we got was 85% advance. We certified the invoice, three funders came back, and we took 90%. On a $400K invoice that's $20K more in the account the same week and all I had to do was connect my vendor portals.

    Felipe OrtegonCEO and co-founder, Brazilian Lumber
  • Verizon told the FCC 30 days. Our terms came back at 90. Kapwork certified the invoice in the portal and we funded against it in 6 days. No lien, no call to Verizon.

    Telecom business owner

We certify invoices. We don't sit in the deal.

Not a lender, not a broker
We never take a cut of your funding.
Kapwork never contacts your customers
If a funder wants to notify them, it agrees that with you first.
We can't touch your invoices or your cash.
You log in to each portal yourself. SOC 2 Type I & II.

Cost of capital

What is the wait costing you?

Money you've earned, sitting in someone else's account. Put your numbers in. Every assumption is visible and adjustable.

Change any number to see your cost

Estimated returns on deployed capital for subcontractors. Sources: CFMA, IBISWorld.

$216,000Capital locked right now

80% of outstanding invoices, the standard advance-rate

$6,658Opportunity cost over your terms

over 90 days at the selected rate

$27,000Opportunity cost per year

simple interest at the selected rate

Method: capital locked × rate × (days ÷ 365). An estimate, not advice, and not a financing rate. Figures are illustrative.

Funders compete to fund the invoices your customers approved.

Get offers

Find your next project.

Kapwork Grow: Kapwork's free public records of where BEAD, data center and federal money is going.

Certify your approved invoices. Funders compete to fund them.

Get offers

Kapwork certifies your invoices in your customer's own portal or email, then sends them to funders who compete to fund them.

Your customer approved it. Get paid on it.

No card, no fee. Kapwork never contacts your customers. See pricing