Get paid faster, at better rates.

Free for businesses
We only win when you get a better deal.
Non-notification
No need to contact your customer.
Certification happens in their system, silently. No one contacts them.
Always free
No cost to you.
Funders pay us, only when you accept an offer you chose.
Your data
You control your data.
You decide what certified data each funder sees. Revocable anytime.
Real advice
Get advice from funding experts.
A free call, no quota. Working capital guidance.
Scroll
$650M+
in receivables certified
300K+
invoices certified
4,000+
portals in use
0
fraud incidents
SOC 2
Type I & II

Funders compete for your certified invoices.

Certify your invoices Talk to a funding expert, free

Free. Two minutes. No card, no commitment. The record starts the day you connect.

The free dashboard

Your invoices, always current.

Every invoice across every portal and inbox, verified and up to date. Know where your cash stands today, not in three weeks.

Illustrative data.
The problem

Profitable on paper. No cash in the bank.

1 in 2

US B2B invoices are paid late

Median DSO is near 56 days. You gave your customer an interest-free loan with your own money.

27 days

of cash at the median small firm

Terms run 60 to 120 days. The math doesn't close, and payroll runs every Friday.

56%

of subcontractors have turned down work they couldn't bankroll

82% of failed small businesses cite cash flow. The wait is the risk.

Every option prices your trust.
Banksmonthsto a yes, and they want collateral
Factoring18 to 36%all-in. Tips off your customer, files a lien
MCAs40 to 350%fees that drain your accounts
Under it all, the trust tax. Funders just lost billions to fake and double-pledged invoices:
First Brands · ~$2.3BTricolor · ~$800MGreensill · ~$3B
UCC filings can’t confirm a single invoice. So your uncertified invoice gets priced for fraud that wasn't yours. Certified invoices change the rung you start on.
Playable now · free
Now put those numbers to the test

You know your business. Can you keep it alive for 12 months?

Make payroll while customers take 30 to 120 days to pay. Every decision is based on real telecom payment behavior. Choose your crew, earn your grade, and see where the gap catches you.

3-minute challenge12-month runReal tradeoffsNo sign-up to play
Play Survive the Gap

Your crew is waiting. Can you finish cash-positive?

MONTH 07 / 12$86Kcash on hand
$214K owed to you
FIELD REPORTSlow pay.

Payroll is Friday. Your customer says the check is “in process.”

Factor the invoice +$68K
Fund verified +$75K
Click to play

Kapwork kills the trade-off

No cost to your business.

Funders stop underwriting

“Is this business good for it?”

And start underwriting

“Did this creditworthy customer approve this bill?”

Up to 95%
advance on certified invoices, vs 80 to 90% uncertified
About $10K
more cash in hand now on a $100K invoice, at better rates

Certified in your customer’s own system of record, independent of you.

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.

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

Capital locked right now
$216,000
80% of outstanding invoices, the standard advance-rate
Opportunity cost over your terms
$6,658
over 90 days at the selected rate
Opportunity cost per year
$27,000
simple interest at the selected rate

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

See your real number. Certify your invoices

You did the work.
Get paid for it.

Certify your invoices Talk to a funding expert, free

Two minutes, no card. Or 30 minutes with an expert who's spent a decade underwriting for credit providers and trade credit insurers.