Certified invoices get funded faster, at better rates.

Once your customer marks an invoice Approved in Ariba, Coupa, or their own portal, Kapwork certifies it there and funders bid to advance it. Free for your business.

Funders bid to advance 85 to 95 percent of face on certified invoices. Uncertified factoring advances 80 to 90.

Step 1 of 3

  1. Your customer

  2. Your business

  3. Next step

Your customer

The work is done. Your invoice is approved. Payment lands in 45 to 120 days.

Invoice approval portal
  • No notice of assignment, from us or the funder.
  • You see the fee before you accept.
  • SOC 2 Type I and II.

Kapwork doesn't lend, buy invoices, or set rates. Funders make offers. You accept or pass.

Data as of Aug 22, 2026.