When customers take 30, 60 or 90 days to pay, a profitable B2B company can still feel short on cash. Revenue On Demand gives eligible B2B businesses a way to consider earlier access to approved invoice proceeds. Payroll, project costs and growth plans often arrive before accounts receivable does. The right financing structure can improve liquidity without forcing you to fund every invoice or take on a repayment schedule.
Talk to a Now specialist about your cash-flow options.
In this guide, you will see how the structure works, how published fees are calculated and which questions to ask before choosing a provider.
The important questions are how the model works, what it costs and whether its selective structure fits your business. Start with the mechanics and the distinction between early invoice payment and traditional borrowing.
What is Revenue On Demand?
Revenue On Demand is a way for eligible B2B businesses to access payment on approved invoices before their customers’ net-15 to net-90 terms expire. Instead of waiting weeks or months for an invoice to be paid. A business can activate selected invoices and use the proceeds to manage working capital while continuing to serve its customers.
Revenue On Demand is a flat-fee, off-balance-sheet alternative that lets eligible B2B businesses receive payment on approved invoices before their net terms expire. You choose which invoices to activate, receive funds after approval and keep your customer terms and billing relationship intact.
Now positions Revenue On Demand as a flat-fee, off-balance-sheet alternative to loans and traditional factoring. The model is designed for business leaders who need liquidity without adding a conventional borrowing arrangement to the company’s financial structure. The cost is established as a fee for the invoice transaction rather than as interest that accumulates over time.
A cash-flow tool built around invoices
The underlying asset is the approved invoice. This makes Revenue On Demand particularly relevant to companies that have completed work but are still waiting through extended payment terms. Founders, CEOs, CFOs, controllers and other finance leaders can use the model when the timing gap between delivery and payment creates pressure on payroll. Project costs, raw materials, seasonal demand or planned growth investment.
Revenue On Demand is aimed at U.S. B2B companies that generate invoiced revenue. It can be relevant across marketing and creative agencies, consulting firms, staffing and recruiting companies, manufacturers and government contractors. Professional services firms that bill against milestones or work with extended payment terms may also find the structure useful. The important question is not simply whether a company has invoices. It is whether accelerating payment on selected approved invoices would improve control over cash flow without disrupting the business’s operating model.
How the structure differs from borrowing
Under the approved positioning, Revenue On Demand has no debt on the balance sheet, no interest charge and no repayment schedule. That distinction matters when a finance team is evaluating cost of capital, leverage and future borrowing capacity. A flat fee is determined for the invoice transaction, so the business can understand the stated cost without tracking monthly interest or compounding charges.
This does not mean the service is cost-free or automatically the least expensive option in every situation. Finance leaders should review the applicable fee, payment terms, eligibility requirements and risk allocation before activating invoices. The value is the combination of a defined cost, earlier access to earned revenue and control over which invoices to fund.
Control stays with the business
Revenue On Demand is not the same as handing over the entire accounts receivable function. The business remains the biller of record and its customer relationships stay intact. Customers know Now is being used, while the business name and original payment terms remain the same. The remittance address is updated for the funded invoice, but the arrangement is transparent rather than non-notification.
For a fuller explanation of what Revenue On Demand means, review the definition and structure in more detail. The central idea is straightforward: convert approved invoice value into usable business cash sooner, with a flat-fee structure and without a conventional debt, interest or repayment schedule.
How does Revenue On Demand work?
The process is designed to give a business control over when it turns approved invoices into working cash, without requiring a change to its customer-facing billing terms. You select the invoices that fit your cash-flow needs, rather than committing to fund every invoice.
- Submit invoices or connect your accounting system. Start by uploading the invoices you want reviewed or connecting your accounting system. This gives Now the information needed to evaluate the receivables and helps reduce manual data entry. No billing-system change is required, so your existing invoicing workflow can remain in place.
- Choose the invoices and customers to fund. Revenue On Demand is selective. You decide which customers and invoices to activate based on timing, cash requirements and business priorities. That could mean using the service for a large project invoice, a group of invoices tied to upcoming payroll or a temporary gap caused by extended payment terms. You do not have to fund every invoice or make an all-or-nothing commitment.
- Review the terms and receive approval. After submission, the invoices go through an approval process. Review the applicable terms and fee so you understand the amount that will be available and the cost of accelerating payment. Because the fee is structured around the invoice payment terms, the economics are clear before you activate the invoice.
- Receive payment after approval. Once an invoice is approved, payment is typically received within 24 to 48 hours. That timing can help a business align cash availability with obligations such as payroll, project costs, materials or planned growth. The result is earlier access to the value of work already invoiced, rather than waiting for the customer’s original net terms to expire.
- Keep billing the customer and direct remittance correctly. Your business remains the biller of record and keeps its customer relationship. The business name stays on the invoice, the original payment terms remain in place and the customer continues to pay according to those terms. The operational change is the remittance address, which is updated so payment reaches the appropriate destination.
This arrangement is transparent. Customers know that Now is being used, while the business continues to issue the invoice and manage the relationship. The customer does not need to adopt a new payment schedule. And the business does not need to present the arrangement as a change to the underlying commercial agreement.
For a visual overview of the submission, selection, approval and payment stages, see how Revenue On Demand works. The important decision point is how selectively you use the process. A business can activate invoices when faster access to cash creates value and leave other invoices on their existing collection schedule.
What does Revenue On Demand cost?
Revenue On Demand uses a one-time flat fee tied to the payment terms of the approved invoice. That makes the payment window a central planning input. A finance team can model the amount received at activation and compare the cost with the value of having cash available before the customer pays.
The applicable percentage varies by invoice term. Rather than treating a single headline rate as universal, review the current published flat-fee pricing for the term attached to the invoices you expect to activate. The pricing page is the source for current rates, terms and any applicable conditions. This guide intentionally summarizes the decision rather than duplicating that detailed schedule.
Use cost as a planning input
Build the fee into a cash-flow forecast before a funding need becomes urgent. Start with the gross value of the invoices under consideration. Then account for the applicable flat fee, the timing of expected payment and the operating expense the earlier cash will support. The result is a clearer answer to an executive question: what business outcome will the liquidity enable, and is that outcome worth the stated cost?
Also include any published account-level or invoice-level charges that apply to your situation. Now identifies a one-time activation fee and an additional surcharge for invoices from international customers. Confirm the current terms directly before putting either charge into a forecast. Consistent usage may also affect available pricing, so do not model a discount until it has been confirmed for the business.
Why predictability matters
The fee does not grow month by month. Revenue On Demand has no monthly interest, compounding fees, surprise add-ons or ongoing charges, and the cost remains fixed if the customer pays late. That predictability can simplify scenario planning when customers have uneven payment behavior.
Predictability does not make the decision automatic. A flat fee still has to be weighed against payroll, delivery costs, materials, hiring or another defined use of cash. Selective activation helps preserve that discipline because the business can fund specific invoices instead of applying a financing cost to its entire receivables ledger. Use the published pricing page and the agreement for the exact transaction terms, then have the finance team document the expected net proceeds before approval.
Who is a good fit for Revenue On Demand?
Revenue On Demand may fit a U.S.-based B2B business that has earned revenue through invoices but needs access to that cash before customers pay on their normal terms. The strongest fit is typically a company that bills other businesses on net terms. Has an established operating history and wants to improve liquidity without taking on a repayment-based obligation.
Eligibility signals to consider
Now’s published eligibility context points to established U.S. B2B companies that issue invoices to business customers. The typical target business is an established mid-market company with meaningful annual invoiced revenue. These figures describe the intended customer profile, not an approval promise. Eligibility remains subject to review, including an assessment of the business, its invoices and the relevant customer payment risk. Review the current requirements in the Revenue On Demand FAQs.
The model is especially relevant when revenue is real but the timing of cash creates pressure. A company may be profitable on paper while waiting 30, 60 or 90 days for an approved invoice to be paid. That delay can make it harder to plan hiring, accept new work or absorb an unexpected expense. Revenue On Demand lets a business choose which invoices and customers to activate, so using it does not require funding every invoice or making an all-or-nothing commitment.
Industries and situations that may benefit
Professional services firms often bill at project milestones or on extended payment terms. Marketing and creative agencies may need to cover payroll and contractor costs while client work is still outstanding. Consulting firms can use earlier access to invoice proceeds to support delivery between milestones. Staffing and recruiting companies may face a recurring gap between paying workers and collecting from clients. Manufacturers may need working capital for raw materials and production costs before customers remit payment. Government contractors can also face long payment cycles that complicate project planning.
The same principle applies during seasonal demand or a growth period. Accelerated invoice proceeds may help a business add capacity, fund a new project, purchase materials or maintain payroll while waiting for customer payments. The decision should begin with a specific cash-flow need, not with the assumption that every receivable should be activated.
Questions to ask before applying
- Does the business issue invoices to established B2B customers?
- Would earlier access to approved invoice proceeds support a defined need such as payroll, project costs, materials or growth?
- Does selective invoice funding provide enough control for the company’s cash-flow pattern?
- Are the invoice terms, customer relationships and operating history suitable for a formal review?
If the answers point to a recurring timing gap, Revenue On Demand may be worth evaluating. The final decision depends on review and approval, and no business should treat the published profile as a guarantee of eligibility or funding.
How does it compare with loans, factoring and AR financing?
Executives often need a decision map before they need another comprehensive comparison. A term loan provides borrowed capital that is repaid over time. Traditional factoring and collateral-based facilities use receivables within a broader financing arrangement. Revenue On Demand is designed around earlier payment on selected approved invoices.
The complete differences between factoring and Revenue On Demand belong in the dedicated invoice factoring comparison. The general mechanics of invoice financing are covered in Now’s invoice-financing explainer. Use this section as an executive filter: match the structure to the cash-flow problem, operating preference and risk review your business can support.
| If the priority is… | Start by evaluating… | Key question |
|---|---|---|
| A defined invoice timing gap | Revenue On Demand or another invoice-linked option | Can selected approved invoices provide useful cash before normal terms expire? |
| Capital for uses beyond receivables | A business loan or another general-purpose facility | Can the business manage repayment and interest over the planned term? |
| An ongoing receivables program | Traditional factoring | Does the business want a continuing arrangement that may include collection participation? |
| A collateral-backed borrowing base | AR or inventory financing | Can the company support collateral reporting and the obligations of secured lending? |
| Minimal workflow disruption | A selective model that fits existing billing operations | Will the business stay the biller of record, and what will customers see? |
Revenue On Demand is positioned for companies that want to connect funding to specific approved invoices. Its selective design may suit a business that has an uneven need for liquidity, rather than a company seeking a standing facility for its entire receivables book. The business remains the biller of record. Customer terms stay the same, and the remittance address changes for the funded invoice.
Traditional factoring can suit a different operating preference. The business may want a continuing receivables program and may accept a factor participating in collections. Collateral-based AR or inventory financing also serves a different need because receivables, inventory or both support a secured facility. Loans can provide capital for uses that are not tied to a specific invoice, but they bring scheduled repayment and interest expense.
No label resolves the decision by itself. Ask how the provider defines approval, what obligations remain after activation, how disputes or inaccurate invoices are handled and how the arrangement should be recorded for your business. For customer-pay risk, review the agreement’s boundaries carefully. Now’s normal-course model includes a fraud and bad-faith exception, so an unqualified no-recourse description should not replace contract review.
What should buyers evaluate before choosing a provider?
The right provider should make the economics and operating model easy to understand before activation. Evaluate more than the headline fee. Compare the full cost, funding timing, balance-sheet effect and obligations that remain if a customer does not pay.
Start with the all-in cost. Ask whether the provider charges a one-time fee or adds interest, monthly charges, reserve holdbacks, minimum-volume requirements or other fees. A flat fee based on the invoice’s payment terms can make the cost easier to forecast. But it still needs to be compared with the value of receiving cash earlier. For example, Now’s published schedule varies by term, from 2.50% for 15-day invoices to 7.50% for 90-day invoices. The published pricing page also identifies a one-time activation fee and an international-invoice surcharge. Review the current published flat-fee pricing rather than relying on a sales summary.
Confirm how payment terms affect the fee
Payment-term basis matters. Two invoices with the same face value can carry different costs when one is due in 30 days and the other is due in 90 days. Ask which date controls the calculation, how amended terms are handled and whether the fee changes when the customer pays late. Under Now’s published model, the fee is based on the agreed payment terms rather than the customer’s eventual payment date. So the cost remains fixed if payment is delayed. That distinction should be explicit in any provider’s written offer.
Review timing and workflow before signing
Speed only creates value if the process fits your finance team’s workload. Ask how invoices are submitted, what information is needed for approval, how exceptions are handled and when funds become available. Also confirm whether you can choose individual customers and invoices or must commit the full receivables ledger. Selective access gives a business more control when liquidity needs are uneven. A practical provider should explain its process clearly and identify who owns each step.
Workflow questions should cover customer communication. With Revenue On Demand, the business remains the biller of record and the relationship stays intact. Customers know Now is being used. The business name and original terms remain on the invoice, while the remittance address is updated. No billing-system change is required.
Clarify balance-sheet treatment and risk allocation
Ask your accountant or auditor to review how the arrangement should be recorded for your business. Approved positioning for Revenue On Demand states that it does not create debt on the balance sheet, interest charges or a repayment schedule. Confirm the treatment for your circumstances rather than assuming every provider or transaction structure works the same way.
Finally, read the risk provisions closely. Determine who bears the risk of a customer insolvency or bankruptcy, what happens with disputes, credits, fraud or inaccurate invoices and whether the provider can recover losses. Now’s normal-course model transfers customer-pay risk, subject to an intentional fraud or bad-faith exception. A provider that explains these boundaries plainly, publishes its costs and lets you compare the model with other options, including this invoice factoring comparison, gives your team a stronger basis for a decision.
What questions should finance leaders ask?
A provider should make the economics, workflow and risk easy to understand before you activate an invoice. Use the questions below in a diligence conversation and ask for written answers that your finance, operations and client-facing teams can review together.
- Which invoices and customers are eligible? Confirm whether you can choose individual invoices and customers. Revenue On Demand is designed for selective use, so clarify any customer, industry, invoice-age or documentation criteria that could affect approval.
- When will an approved invoice be paid? Ask what “approval” includes, which information is required and when the payment clock starts. Now describes payment as typically arriving within 24 to 48 hours after invoice approval. Review how Revenue On Demand works so your team understands the submission and approval sequence.
- What is the exact flat fee for each payment term? Request the fee that applies to your actual invoices, not a generic estimate. Published rates range from 2.50% for 15-day terms to 7.50% for 90-day terms. Ask whether a volume discount could apply and confirm the calculation in dollars using a representative invoice. The published flat-fee schedule is the appropriate baseline.
- What happens if my customer pays late? Determine whether the fee changes, whether late-payment charges compound and who manages follow-up. Now states that the cost is fixed when the customer pays late, with no monthly interest or compounding fees. Confirm the treatment of exceptions in the agreement.
- Are there activation, international or other charges? Ask for a complete fee schedule, including one-time and invoice-level charges. The published terms include a one-time activation fee and a surcharge for invoices from international customers. Clarify which customers qualify as international and whether any other charges can apply.
- What will my customers see? Confirm who remains the biller of record, whose name appears on the invoice and whether payment terms or billing software must change. With Revenue On Demand, the business name and original terms remain in place, while the remittance address is updated. Customers know Now is being used, so establish the communication process before activation.
- How is customer nonpayment handled? Ask the provider to explain the risk transfer in plain language and identify every exception. The normal-course model transfers customer-pay risk, but intentional fraud or bad faith can create an obligation for the business. Do not accept an unqualified “no recourse” description without reviewing the agreement.
- How is the arrangement treated on the balance sheet? Ask your accountant or controller to review the specific structure and documentation. Now positions Revenue On Demand as off-balance-sheet, with no interest charge or repayment schedule. Confirm the treatment for your business rather than relying on a label.
- Am I required to keep using the service? Confirm whether there is a minimum volume or recurring commitment. Selective funding means you do not have to fund every invoice, but the contract should spell out any ongoing obligations before you sign.
Finally, ask for a sample transaction statement and the agreement in full. A clear provider should show the gross invoice, every deduction, the net amount received, the remittance workflow and the treatment of edge cases.
How should a finance team prepare for a funding decision?
A strong decision starts before an invoice is submitted. Gather a receivables view showing the customer, invoice amount, payment term and intended use of the proceeds. Then connect each invoice to a specific obligation, such as payroll, supplier payments or delivery costs.
This preparation separates a timing problem from a structural problem. If the gap is between completed work and customer payment, invoice-linked funding may be relevant. If the company needs capital for an investment unrelated to receivables, another financing conversation may be more appropriate. Revenue On Demand is designed around approved B2B invoices, so the reason for using it should be clear.
Build an invoice-level view
For each invoice, record the gross amount, payment term, customer concentration and operating purpose. Note whether disputes, credits or documentation gaps remain. Map when the customer is expected to pay and when the business needs cash. Include a downside case for delayed payment, then compare the fixed transaction cost with the value of waiting or acting sooner.
Align the teams involved
Invoice funding affects more than the general ledger. Operations should understand the selected invoices and approval requirements. Accounts receivable staff should know that the business remains the biller of record and that the funded invoice uses an updated remittance address. Customer-facing staff should be ready to explain that customers know Now is being used, while the original terms remain in place.
Assign an owner for submission and a reviewer for transaction terms. Before activation, confirm the gross value, applicable fee, expected net proceeds, approval status and remittance instructions. Keep the agreement with the transaction record.
Review results after activation
Compare expected cash timing with actual customer payment and reconcile the remittance. Track which invoice types create useful liquidity and which require extra documentation. This record helps the finance team decide when selective funding supports growth and when waiting is better.
Ask the provider to explain approval criteria, communication, risk allocation and every applicable charge in writing. Now’s model transfers customer-pay risk in the normal course but retains a fraud and bad-faith exception.
Schedule a conversation with Now about your invoice cash-flow needs.
Frequently Asked Questions
How quickly can a business receive funds?
After an invoice is approved, payment is typically received within 24 to 48 hours. The business first uploads invoices or connects its accounting system, then selects the customers and invoices it wants to fund. Timing can vary based on approval requirements and the information available for review. See how Revenue On Demand works for the full process.
Does Revenue On Demand require funding every invoice?
No. The model is selective, so a business can choose which invoices to activate rather than making an all-or-nothing commitment. This allows finance leaders to use the service for specific cash-flow needs, such as payroll. Project costs or growth investments, while keeping other invoices on their normal collection cycle.
What happens when a customer pays an activated invoice?
The customer pays according to the original invoice terms, using an updated remittance address. The business name stays on the invoice, the payment terms do not change and no billing-system change is required. Customers will know that Now is being used, but the business remains the biller of record and keeps its customer relationship.
Does the business remain responsible if its customer does not pay?
In the normal course, the model transfers customer-pay risk, so the business does not bear personal or business risk for customer nonpayment. That protection has an important limitation: Now reserves the right to recover losses involving intentional fraud or bad faith. Review the agreement carefully to understand the specific risk allocation before activating invoices.
Can the fee increase if the customer pays late?
No. The fee is a one-time flat charge based on the invoice payment terms rather than how late the customer pays. The published pricing states that costs remain fixed when a customer pays late and do not include monthly interest or compounding fees. Review the published flat-fee pricing for current rates and additional charges.
Build a clearer path to working capital
If slow-paying B2B customers are creating a gap between completed work and usable cash, a selective invoice-financing approach may be worth evaluating. Review your payment terms, model the full flat-fee cost and confirm the risk and remittance details before making a decision.