How it works

From invoice to cash.

Anywhere you transact your invoices, we can certify the data. Customer portals, emails, QuickBooks.

Certify your invoices Talk to a funding expert, free
01 · CONNECT

Connect wherever your invoices live.

Verification Agents: Sign in your customer portal inside Kapwork. We never ask for your password, or your MFA codes. The Email Verification Agent connects to Gmail or Outlook where you submit your invoices.

Vendor Portal Agents
portal.t-mobile.com · your session
Inbox connectedinvoices@yourco.com
Password sharednever
02 · VERIFY

Your invoices, certified in your customer’s system.

Each invoice is checked in your customer's own system: amount, approval status, payment terms. Funders don't take your word for it. They see a Receivables Certificate.

Checked in your customer's system
INV-2026-0441 · T-MobileCertified
INV-2026-0389 · EricssonCertified
INV-2026-0312 · AT&TPending
03 · MANAGE

Know where your cash stands.

Aging, concentration, who actually pays when. Nokia at 120, Verizon at 90.

Days to pay, by customer
04 · FUND

Funders compete. You choose, or you don't.

Funders compete and you see every offer first. Pick the funder type, non-notification included, or let Kapwork find the match. No MCAs, ever. Certified history moves you up the ladder.

Offers on INV-2026-0389 · $127,800
Funder A$121,410 · 95%Best offer
Funder B$118,850 · 93%
Funder C$115,020 · 90%
Kapwork Receivables Report

The verified data package that accelerates underwriting.

Before Kapwork, a funder asked for every financial document.

A Kapwork Receivables Report from verified invoices gives funders what they need, compressing weeks into days.

About the Receivables Report
Aligned, by design

We only win when you get a better deal.

The only way Kapwork makes money is you accepting an offer you chose.

How we make money

Kapwork is free for your business. We don't take a cut of what funders make. We earn basis points on the value we verify, paid by the funder, only when you accept an offer you chose.

We never contact your customer.

Factors send a notice of assignment. We verify inside your customer's own portal. No notice.

$0 to your business.

We're paid basis points by the funder on the value we verify.

No loan, no lien, no personal guarantee.

Lenders need the PG and the UCC filing. We touch neither.

We don't touch the money.

We can't touch your invoices or your cash, so we only win when you get a better deal.

See everything that's included
"Businesses carry the risk while everyone else collects the fees. Kapwork flips that."
Mauricio Vergara · Co-founder & CEO · Ran a small business and lived the late payments, then built products at Google and Unity.
Ex-SMB ownerGoogleUnity
Telecom

$500M+ certified in telecom alone.

Hundreds of companies run their books on Kapwork, from $81K to $62M in annual invoices.

T-MobileAT&TVerizonEricssonNokiaCrown CastleMasTecDycom
For telecom subcontractors

You did the work.
Get paid for it.

Certify your invoices Talk to a funding expert, free

Two minutes, or thirty. Both free.