Now™ is an Innovative, Better Model for Financing Your Company
We empower you to accelerate invoice payments, eliminating cash flow constraints and enabling growth, on your terms.
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1
Offer Terms to Your Customers
Confidently offer 30/45/60/90-day payment terms to win new contracts & expand your revenues.
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2
Provide the “Buy Now or Pay Later” Option
Price our flat rate, time-based pricing into your customer contracts.
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3
Sell Us Your Invoices
After you perform the service or sell the product, sell us the invoice.
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4
Zero Cost of Capital
What’s the result? Money NOW, with no risk, no interest and no fees.
Speeding up your business growth
Challenges
- Business growth exceeds revenue timing, straining cash flow and limiting new opportunities.
- Alternative financing is costly, requires personal guarantees, and doesn’t scale.
- Traditional bank loans are hard to get due to collateral limits and slow approval.
Solution
- NowAccount empowers you to accelerate invoice payments, eliminating cash flow constraints and enabling growth on your terms.
How
- Fill out our online application, submit documents, and get approved within 24-48 hours. Cash available in as little as 2 days post-approval.
- Use our cash flow tool to maintain your profitability margin by incorporating the service fee into future proposals, allowing you to win business without cash flow delays.
Benefits
Simple approval with no collateral or personal guarantees required.
- Flexible solution scales with your business, offering up to $4M in credit.
- Flat, transparent pricing helps you maintain profitability margins.
- Offer 30/60/90-day terms to customers and eliminate payment delays.
- Save time by letting our experts handle A/R collections.
- Non-recourse solution means no personal guarantees; we handle payment collection and risk.
- Grow with reliable customers by assessing their creditworthiness and get paid one day after delivery.
By implementing efficient credit and AR strategies, you can streamline operations, minimize risks, and improve cash flow. This scalability ensures that your business can effectively manage increasing credit demands and customer transactions.
Apply NowA New Way to Finance Your Company
Our financing solution is like a bank loan but in a (1) simple to use, (2) easy to scale and (3) modern technology format.
If you have a good business with great customers, we want to support your growth. At some point, any successful business outgrows the Founders’ personal credit card as the source of financing. You don’t have to turn to expensive merchant cash advance sources or hard-to-understand, antiquated factoring sources. Get started with NOW.
And, as you expand your relationship with NOW if (1) we don’t have credit issues with your customers, and, (2) our outsourced collections service scales with your business effectively, there is no reason to go to a bank. We can get more price competitive as you scale up (see “Price Shop”).
- Credit Cards
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You Remain Responsible for Collecting Invoices
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Limited Credit Availability (Most Credit Cards have a Limit of $30,000-$100,000)
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Interest Charges and Late Fees
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You Provide a Personal Guarantee
- Loans + Factoring
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You Remain Responsible for Collecting Invoices
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If Your Invoices Are Late, You Pay Extra Interest Charges and Many Fees (or Have to Buy Them Back)
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Loans are Typically a Fixed Amount That Have to Be Renewed, with Origination Fees Each Time
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You Provide a Personal Guarantee Loans Require You to Pledge Other Personal Assets
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We Manage Your Invoice Collections Saving You Time & Personnel Expense + Creating Peace of Mind (Are You Really an Accounts Receivable Expert?)
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Flat Rate Service Fee with No Extra Interest Charges or Late Fees
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Significant Credit Availability (We Have Clients with Greater Than $3,000,000 in Credit Capacity to Finance Their Business) We Scale Flexibly & Easily with You as Your Business Grows
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No Personal Guarantee (only for Fraud)
Scaling Your Credit With AR Processes
By implementing efficient credit and AR strategies, you can streamline operations, minimize risks, and improve cash flow. This scalability ensures that your business can effectively manage increasing credit demands and customer transactions.
Get Started
NowAccount Costs
We value transparency with our clients which is why we are upfront about our costs and that they are fixed. Since they are already below industry rates we don’t negotiate these. See the break down below:
Flat rate per invoice, starting as low as 3% *(30-120 day terms) Get Started Now |
Recourse Factoring | |
| Pricing | 3-8% | 5-50% |
| Risk If Customer Doesn’t Pay | No | Yes – your loss |
| Increase Liability On Balance Sheet | No | Yes |
| Administration of A/R | Yes | No |
| Works With Bank Loans | Outsourced | Still You |
| Flexibility/Ease of Use | Flexibility/Ease | Restricted |
Our tailored workflows cater to your business
- Fast Credit Checking
- Net Terms Invoicing and Workflows
- Automated Accounts Receivable (AR) Workflow with Invoice Reminders
- Buyer Payment Portal for Multiple Payment Options
- Credit Line Recommendations
- Invoice Advance Payments
- Payment Chaser Workflows (Including Fees and Collections)
- Standard Invoicing Workflow
- Credit and AR Insights Dashboard
- Seamless ACH and Wire Transfers
Maximum buyer credit lines are not assured; all credit decisions rest with us and require buyer verification.
Buyer credit line limits are not guaranteed, as we reserves discretion in all credit decisions pending buyer verification.
We determines maximum buyer credit lines based on discretion and buyer verification, and these limits are not guaranteed.
Our Clients Proudly Serve the Following Customers
Monthly Receivables Threshold of $20k+
Offers personalized financial solutions designed to support businesses that meet the specified criteria, ensuring that your unique needs are met and enabling you to achieve your financial goals effectively.
- For US-Based Businesses
- Annual Revenue Threshold for $1M+
- Monthly Receivables Threshold of $20k+
- Repeat Customer Relations