One rate. On the invoice, not in the fine print.
You pay a flat percentage of each funded invoice. Everything else — the credit risk, the AR platform, the collections — is included in that number.
The longer the terms you give your buyer, the more of the wait — and the risk — the rate carries: NET-30 prices well below NET-120. Your exact rate also reflects volume and buyer book. It’s quoted once, in writing, before you sign anything. The rate is netted from your payout — one wire, no separate bill from us.
Get your rateNo setup fee
Onboarding and integrations cost nothing.
No monthly minimum
Fund what you fund. Slow month, no penalty.
No clawbacks
An approved buyer's default never reverses your payment.
No collections charges
Chasing late buyers is our cost, built into the rate.
Who pays the fee — me or my buyer?
You choose. Most suppliers absorb it as a cost of sale; some pass part of it through as a terms fee the buyer sees before accepting. Either way it's disclosed up front.
Does a longer term cost more?
Rates vary with the terms your buyers take — NET-120 prices differently than NET-30. Your quote breaks this out per term length, so you can decide what to offer.
What happens on invoices you don't fund?
Nothing — you pay nothing on them. If a buyer isn't approved, you can still sell to them on your own terms outside Yellowpay.
Is there a contract lock-in?
No term commitment. Stop funding new invoices whenever you like; anything already funded just runs to its due date.
How is this different from factoring?
Factoring advances a percentage of the invoice, with recourse back to you. Yellowpay funds the whole invoice for one flat rate, keeps the credit risk, and your buyer's relationship stays with you — they see terms, not a lender.
Sell on terms. Bank on Day 1.
Five minutes to see if your volume qualifies. No account, no commitment.
Get qualified