Funding Solutions to Grow your Business

Increase revenue with fast and flexible financing – it’s easy to get started.

The right business financing to fit your needs

it’s easy to get started

Getting business financing shouldn’t feel like a second joB

Complete the application

Just provide us with some information – fill out our form or on the phone, it’s your choice

Review your options

Your dedicated lending advisor will reach out and work with you to choose the best offer.

Get funded

Complete the process and the money is in your business bank account in as fast as 24 hours.

Are We a Good Fit For Your Business?

MinimumOur Typical Customer
Time In Business6 months4-5 Years
Beacon score600640-720
Annual Revenue$100k$500k-1MM

Grow Your Business by Funding Your Invoices

Flex Funding can you give you access to your funds in as little as 24 hours after you complete your account setup. No more waiting 30, 60, 90 days or more to get paid.

Business expenses don’t stop while you’re waiting to get paid. Funding your unpaid invoices lets you end the wait and get back to running your business.

Simple and Affordable Pricing

1. No surprises or hidden fees

You’ll always see the full cost of funding upfront, before you decide to fund. Plus, there are no monthly or annual fees — your account is free forever.

2. No obligation

Fund as little or much as you need. There are no minimums, or limits on how much funding you can advance.

3. Flat upfront fee and flexible repayment options

For each invoice you choose to advance, you’ll pay a small monthly fee of 2.5% per 30 days.

How it works

Sign Up

Sign-up is quick and easy. You create an account, upload invoices and link bank account and we get to work.
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Step 01

Select the invoices you want to advance

Fund as little or as much as you need, with any buyer. Advance specific invoices or your entire book of receivables.
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Step 02

Get your funds, less fees, within one business day

You get the full face value of your invoice, less fees, right away while we wait for your customer to pay us directly.
Step 03


Most frequent questions and answers
We have no upper or lower limit on invoices that you can fund — we’ve funded invoices as small as $15 and as large as $2 million.

We charge a flat fee of 2-5%, so you immediately receive the net 95-98% of the invoice value with no other fees.

The exact price for a given invoice is based on three factors:

  1. Who is your customer?
  2. What are your terms/relationship with them?
  3. How long do they typically take to pay?

Once you have enabled a connection to Spice, we’ll be able to assess the three factors above to determine your specific rate (on a per buyer basis) which will be be between 2-5%. This rate will be communicated and displayed up front, before you decide to fund.

Yes, invoices to any of your buyers are eligible for this program.

FlexFunding will work with you and your individual buyers to get you set up and enable funding.

Sometimes buyers don’t pay on time. As long as there’s a clear expected pay date, we wait for your buyer to pay. If the invoice remains unpaid for an extended period, we may ask you to substitute another invoice for the value of the missing payment or pay the outstanding balance.

Apply Now