You get paid in days, not months.
Your buyers get up to 120 days.
Funds land within 2 business days of invoice approval — often the same day. Offer your buyers terms up to NET-120. If an approved buyer doesn’t pay, that’s our problem — not yours.
How it works
01 — 03Your buyer checks out on terms
They pick terms up to NET-120 at checkout or on the invoice. Credit decision is instant.
You’re paid within 2 business days
Yellowpay funds the whole invoice — one flat rate, no partial advances. No waiting on draws or checks.
The buyer pays Yellowpay
On their schedule. Invoicing, reminders, collections and reconciliation — handled.
Buyer defaults? That’s our loss, not yours. Non-recourse — no clawbacks, no fine-print reversals.
We take the risk,
not you.
If an approved buyer doesn’t pay, you keep the money. Their default is our problem. That’s what non-recourse means — no clawbacks, no fine-print reversals.
Every invoice we fund is credit-insured. Non-recourse isn’t a promise we hope to keep — it’s underwritten.
Built for how your buyers actually get paid.
Milestone payments, retainage and tax-credit timing in solar. Deposit-heavy long-lead equipment in data centers. Retailer terms and deductions in consumer goods. Sell-through and seasonal builds in durables. We underwrite the reality behind each invoice — which is why terms follow the buyer's cash cycle, and why in construction we go to 120 days when others stop at 90.
Your buyer’s cash arrives on project milestones. Our terms match that.
5–10% held back for months. We price it in, not around it.
Solar cash cycles bend around ITC and incentive timing. Built into our model.
Data center gear books deposits quarters before delivery. Underwritten, not ignored.
Consumer goods buyers are paid by the shelf, net of deductions. We read the pattern, not the shortfall.
Durables turn in quarters and stock a season ahead. Limits flex with the calendar, not a static line.
Four verticals. One underwriting question.
INDUSTRIESThe supply chain we know cold.
Modules, inverters, racking, BOS. We finance the distributors that keep EPCs and installers building.
Same equipment. Bigger builds.
Switchgear, transformers, generators, cabling, cooling — the electrical and mechanical supply chain we already finance, on the fastest-growing construction market in the US.
Deductions aren't defaults.
Food, beverage, personal care, household. We fund the brands, co-manufacturers and ingredient & packaging suppliers whose buyers are paid by the shelf — on retailer terms, net of deductions.
Slow turns aren't slow buyers.
Electronics, appliances, furniture, tools. We fund the manufacturers, importers and distributors whose buyers' cash arrives at sell-through — after the container, the season and the return window.
YellowpayAPI Sell on terms. Bank on Day 1.
Five minutes to see if your volume qualifies. No account, no commitment.
Get qualified