Free for your business. Certified in your customer's own system of record, so funders price your invoices as a sure thing, not a risk.
Two minutes, no card. Your first certified invoices show up the same day. The record you can’t backfill starts today.
Customer portals, emails, QuickBooks.
Your password and MFA codes never leave your hands, and no lender ever gets access. The agents capture each invoice from your customer's portal, with proof: SAP Ariba, Coupa, Oracle, and the portals of buyers like Target, Tesla, Meta, Verizon, T-Mobile, and thousands more.
All portals supported: if you can log in to it, Kapwork can certify from it.
Gmail or Outlook. It only reads invoice threads: amounts, approvals, terms. Never other emails, and you can disconnect it anytime. You decide what certified data lenders see.
QuickBooks connects the same way. One login, certified books.
Know where your cash stands every day, not every month.
| Customer | Invoice | Due | Amount | Status |
|---|---|---|---|---|
| Target | INV-2026-0441 | Sep 18 | $84,200 | certified |
| Ericsson | INV-2026-0389 | Sep 24 | $127,800 | certified |
| T-Mobile | INV-2026-0312 | Oct 2 | $41,500 | pending |
Illustrative data.
A typical experience. Timelines vary, and there's no obligation to accept any offer.
Pick a customer and see every offer before you commit. Kapwork never contacts your customer, files no lien, and takes no cut.
Offers come from the Kapwork funder network: banks, factoring houses, and private credit funds. You choose the funder type you'll accept, non-notification included, or let Kapwork find the match. No MCAs on the network. Ever. Certified history moves you up the ladder instead.
Every offer explained before you accept.
Funding is one reason to certify. Here's what the record builds even if you never take an offer.
Your certified history is yours, and it travels: new funder, landlord, acquirer, insurer. Every month you wait is track record you can't backfill.
When the crunch comes, next month or in three years, you're not starting from zero under time pressure. That's the moment businesses get trapped. The record has to exist before you need it. It's also what the ladder climbs on.
Certifying catches billing errors and discrepancies before they become a dispute with your customer.
Certified payment history proves who actually pays on time. Negotiate terms and prioritize customers, independent of funding.
Most owners already check portals and inboxes to see if an invoice moved. Kapwork replaces the ritual. TowerCap's 85% is the proof.
Funders price what they can verify. Certified history compounds, and it is what moves you up the ladder.
The longer your invoices stay certified, the less you look like a risk, and the more of the ladder you qualify for.
Funders set their own criteria and pricing. Ranges are illustrative, not offers.
No MCAs on the network. The ladder starts at factoring and climbs.
Sample payment history for top customers, from certified data. Nokia pays at 120. Ericsson at 28. You'll see it before it hurts, not after.
Certify your invoicesKapwork never contacts your customer. Certification happens in their system, silently. When you want funding, you choose the funder type you'll accept, or tell Kapwork what you need and we find the match. No MCAs on the network, ever.
Good, you know what capital costs. Keep them. Connect your portals free and see what funders offer when your invoices arrive certified or renegotiate your rates with certified receivables. If your factor is the best deal, you've lost nothing and gained a free AR platform.
Kapwork is free for your business. We don't take a cut of what funders make. We earn a small fee from funders on what we verify and only when you accept an offer. If you never fund an invoice, you never pay us and neither does anyone else.
You sign in to your own portals yourself, inside Kapwork. We never ask for your password or your MFA codes. SOC 2 Type I & II audited. 0 fraud incidents in 2 years in production.
Two minutes to create the account, or book a free call and a funding expert walks you through it while you drive. Or assign the task to your bookkeeper.
The more certified invoices on Kapwork, the more funders compete and the better rates we can secure. You get the free tools; we get certified unpaid invoices that lenders can issue credit for. That's the trade, out loud.
No judgment. An MCA is what's left when nobody can verify your file fast enough. Certify your invoices and start the record funders price. The first step off is usually factoring, at 18 to 36% instead of 40 to 350%, and the ladder climbs from there.
It's a free call about your whole financial picture: what your receivables can unlock, which financial products fit your business, and how lenders underwrite a company like yours. No quota, no pitch. You leave knowing your options, whether you fund with Kapwork or not.
Two minutes, or thirty. Both free.