Product · Get paid

Finance your own invoices. Get paid today, not in 60 days.

Verqo Advance is the seller-side of the credit engine: turn any outstanding invoice into same-day cash. Non-recourse, priced per invoice, no lockups, no personal guarantees. This is the financing your growing wholesale business should have had years ago.

Get started

app.verqo.com/seller/wallet

Verqo Advance — same-day advance on outstanding invoices

Financing built for wholesale — priced per invoice, funded same-day.

A working-capital line embedded inside the same portal your invoices live in. No factoring calls, no lockbox, no legacy paperwork.

Same-day funding

Cash in your Verqo wallet within 24 hours of invoice send — often within hours.

Non-recourse advance

If your buyer defaults, Verqo eats it (not you). Your business stays capitalized.

Priced per invoice

1.5–3.5% per financed invoice, based on the buyer's credit — no monthly, no annual, no minimums.

No lockbox, no factoring

Your buyer pays into your Verqo wallet directly. No third-party lockbox, no assigned-receivable notice ruining your buyer relationship.

No personal guarantees

Underwritten at the buyer + invoice level, not against your personal credit or a UCC-1 blanket lien.

Draw-when-you-need

Only advance the invoices you want. Selective factoring, one invoice at a time, straight from the Payments dashboard.

Institutional backing

Funded by our institutional lending partner (Capec) — real capital, real limits, real speed.

Live utilization view

See advanced balance, in-flight repayments, upcoming maturities, and available headroom in one dashboard.

Financing — inside the wallet you already use.

One tap on an invoice to advance it. One dashboard to see everything in flight. No paperwork, no separate portal.

app.verqo.com/seller/wallet

Advance overview — money in, money out, financed

Overview — see how much you've advanced, what's coming back, and available headroom next to your regular cash.

Get started See how it works

Growth cash, not survival cash

Ship the next PO before this one clears.

Most wholesale brands lose 40–70 days of runway to Net-terms. Verqo Advance collapses that gap so you can restock, run ads, and hire — instead of chasing receivables.

Fund one invoice or all of them
No dilution, no equity
No 12-month lockup

app.verqo.com/seller/invoices

Invoices — one-tap advance on any invoice

Different from buyer credit terms

Two products, one credit engine.

Buyer-facing credit terms let YOUR buyers pay you Net-30/60/90. Seller financing (this product) lets YOU turn any outstanding invoice into same-day cash — even invoices that are already on pay-now terms. Use either, or both.

See buyer credit terms

app.verqo.com/seller/wallet#credit

Two products, one credit engine — buyer terms vs seller financing

Common questions

No lockbox, no assignment notice to your buyer, no long-term contract. Priced per invoice you choose to advance. You can advance one invoice this month and none next month — completely selective.

Explore more

Credit terms

Offer Net-30/60/90 to your buyers without carrying the risk.

Payments

One reconciliation across every rail.

Auto-invoicing

Invoices generated the second the truck rolls.

Insurance

Allianz-backed cover on every insured invoice.

Ship your first invoice in 48 hours.

Import your buyer list, upload a catalog, and start moving cash the same day. No implementation fees, no long contracts.

Get started Talk to a founder