Your receivables are someone else's working capital. Take them back.
Every NET-60 invoice you carry is a loan you're making to your customer — interest-free, at your risk, collected by your own staff. Yellowpay ends all three.
DSO you can't control
Your terms say 30. Your buyer's cash arrives on milestones, draws, retailer remittances or sell-through. It sits in other people's cycles for 60, 90, 120 days.
Bad debt you eat
One buyer insolvency can erase the margin on a year of their orders. You carry that risk on every invoice today.
Collections labor
Statements, reminder calls, lien notices, reconciliation. People you pay to chase money you've already earned.
Paid on every invoice
The whole invoice funded, wired within 2 business days — often the same day — whatever terms your buyer took.
Credit risk
Non-recourse. An approved buyer's default is our loss, not a line on your P&L.
Platform for AR
Invoicing, reminders, collections and reconciliation run in one place, automatically.
The full flow, both sides
S1 — B4Get qualified
Company name, volume, current terms. We review your book of buyers and set your program.
Offer terms at checkout or on invoices
In your counter flow, your e-commerce checkout, or straight from your invoicing — buyers see terms up to NET-120.
Get paid within 2 business days
The whole invoice funded — one flat rate, no partial advances. Reconciliation happens automatically in the platform.
That's it
Reminders, collections, disputes — ours. You see status in the platform; you never chase a check again.
Pick terms
At checkout or on the invoice: NET-30 to NET-120. The price and any terms fee are shown before accepting.
Instant credit decision
Basic business details, decision in minutes. Pre-approval covers future purchases from that supplier.
Goods ship as normal
Nothing changes at the counter, the dock or the warehouse. The supplier is paid; the order moves.
Pay Yellowpay on the due date
One invoice, one due date, ACH or check. Reminders arrive before it's due.
Underwriting that reads the cycle, not just the score.
We look at the buyer's trade history, the chain they sell into and the payment structures behind it — milestone schedules, retainage and long-lead deposits in construction; retailer terms, promo calendars and sell-through in consumer and durable goods. That's how approval stays fast and terms stretch to fit the cycle, up to 120 days.
If they don't pay, you don't pay it back.
Once we approve a buyer and fund the invoice, the credit risk is ours. Supplier keeps the Day-1 payment in every case: paid late, paid never — same answer. The only exception is a commercial dispute about the goods themselves, which stays between you and your buyer.
How much of your cash is parked in receivables?
That's the receivables balance you carry today — invoices earned, not yet paid — moved to your bank account.
Sell more without financing your customers yourself.
Longer terms win bids and grow order sizes. Today you fund that growth from your own working capital. With Yellowpay, offering NET-120 doesn't tie up your cash flow — you're paid within 2 business days either way.
Terms in your storefront. Our API underneath.
Run a customer portal or e-commerce storefront? The Yellowpay Partner API puts net terms inside your own ordering flow. Your buyer picks NET-30 to NET-120 at checkout and sees the exact cost before committing; your platform creates and tracks the request over GraphQL; you're still paid within 2 business days, non-recourse — same as every other order.
Terms by Yellowpay · decision in minutesOne GraphQL API
Register buyers, request credit limits, price every terms option in a single call, submit the request.
We do the rest
E-signature by DocuSign, the buyer's invoice, reminders and collection all run on our side. The only step outside your flow is the signature, delivered to the buyer's inbox.
Your brand, your flow
Buyers order where they already order. No redirect, no third-party checkout.
Sell on terms. Bank on Day 1.
Five minutes to see if your volume qualifies. No account, no commitment.
Get qualifiedAlready onboarded? See the getting-started guide