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Invoice financing for technology

Get up to 90% of your unpaid invoices now. Founders use Credible Lending invoice financing to hire engineers ahead of a contract or buy servers and networking gear, with settled when your customer pays and advances within 24 hours.

Apply nowAbout invoice financing
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Invoice financing for founders
AmountUp to 90% of invoice value
TermSettled when your customer pays
SpeedAdvances within 24 hours
PaymentsSettled from invoice payment
Best forB2B businesses with slow-paying customers

Common uses in technology

  • Hire engineers ahead of a contract
  • Buy servers and networking gear
  • Bridge enterprise payment terms
  • Fund a product launch

Why founders choose invoice financing

Revenue beats dilution

If you have recurring revenue, you can borrow against it instead of selling equity.

Hardware up front

Servers, networking and client deployments can be financed against the equipment.

Contracts pay later

Enterprise terms are long. A line bridges them.

How does invoice financing work?

  1. 1

    Submit open invoices from creditworthy business customers.

  2. 2

    Receive an advance of up to 90% of their value.

  3. 3

    Your customer pays as usual.

  4. 4

    You receive the balance, minus a transparent fee.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for founders

Questions, answered

Something else on your mind? Ask an advisor.

Can founders qualify for invoice financing?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review technology financials with the industry's cash-flow patterns in mind.
Will my customers know I'm using invoice financing?
It depends on the structure. Ask your advisor about options where you continue to collect payments directly.
Do SaaS companies qualify?
Yes, if you have at least a year of revenue history and $10,000 or more in monthly revenue.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor