Learn more

Login

Get started

Sign me up

Late payments and overdue invoices cause problems whether you’re bootstrapping a startup, scaling a small business, or hustling as a freelancer. Waiting for money to hit your account disrupts your cash flow, undermines your ability to invest working capital in other parts of your business, and makes it difficult to cover your expenses.


But what if outstanding payments weren’t standing in your way? What would you do with that money if you could snap your fingers and have it instantly? Hopscotch Flow helps business owners do just that—leverage funds from unpaid invoices with the click of a button. Here’s why you should consider growing your business with faster payments.


<h2>Fast payments create flexibility</h2>


Waiting to get paid sucks—especially for freelancers and contractors who face unique financial challenges due to the nature of their work.




<h3>Late payments have outsized impact</h3>


Freelancers and contractors are all too familiar with unpredictable income. Some might even argue that it’s just the cost of doing business. In exchange for more flexibility and freedom in their work style, freelancers incur a few additional risks. Clients aren’t always reliable, payments aren’t always consistent. But these uncertainties can have big consequences—what if a company doesn’t pay on time? Will you have to dip into other savings to cover monthly expenses like utilities, rent, food? Hopscotch Flow gives you the power to instantly unlock funds that are tied up in unpaid invoices and creates a much-needed safety net for the independent workforce.


<h3>Stop sending invoice reminders </h3>


On average, full-time freelancers manage about 6 different clients. Keeping track of what’s coming in, what’s been paid, and what you need to follow up about, can easily become a full-time job! On top of that, chasing down payments can cause friction in your professional relationships. Rather than sending awkward reminder emails and potentially jeopardizing an ongoing client relationship, Hopscotch Flow handles the entire collection process discreetly and protects your privacy. The payor won’t be notified at any point in the process, and you can get paid on your own terms.


Bottom line: It’s your money, access it instantly whenever you need to. With Hopscotch Flow, you can avoid gaps in cash flow, stay flexible, and make better in-the-moment decisions for yourself and your business.


<h2>Capital creates growth</h2>


Having to chase down a critical payment is time-consuming and disruptive to cash flow, especially for businesses with small teams and limited resources.




<h3>Time is money </h3>


Even if you can afford to wait for long payment terms to clear (net 60, net 90…we’re looking at you!) it’s not always ideal from an operational perspective. This is especially true for startups in a growth mindset. If your goal is to scale quickly, having money tied up in an unpaid invoice is a waste of time. Growth requires capital, but being stuck in invoice limbo can put you on the back foot. With Hopscotch Flow, you can get the capital to pay bills on time, invest in equipment, or replenish inventory.


Bottom line: When you’re waiting for an invoice to get paid, you’re missing out on opportunities. Hopscotch helps you control your funds with a higher level of sophistication and infuse money into other parts of your business so you can grow strategically rather than dilute your ownership in exchange for capital.


<h2>Cash flow without the debt</h2>


Many small businesses are forced to take on additional debt as they grow, which can damage cash flow. Hopscotch Flow makes it possible to leverage invoices and infuse cash into your business without going into debt or affecting your credit.




<h3>Skip the underwriting process</h3>


Hopscotch Flow is not a loan. There’s no extended underwriting or complex auditing process (which can take up to 3 weeks and require extensive documentation with traditional lending avenues.) On top of that, loan costs for small businesses are typically higher due to the perceived risk by the lender. They typically have less competitive interest rates and strict repayment terms. With Hopscotch, you pay a dynamic rate and get instant access to your capital.


<h3>Never worry about making payroll</h3>


Waiting to collect payment on critical invoices can disrupt the flow of money into and out of your business. If you’re dealing with a significant backlog of receivables, it can have devastating consequences—such as not being able to meet payroll. Hopscotch Flow gives you quick access to capital in financial emergencies.


<h2>Why leverage your invoices this way?</h2>


<h3>Privacy guaranteed </h3>


Hopscotch Flow is a discreet financial tool. This product places the power of financial security squarely in the hands of the payee, with zero risk of damaging professional relationships or appearances.  The payor won’t be notified at any point in the process, and you can get paid on your own terms.


<h3>No credit check</h3>


Hopscotch Flow doesn’t require a credit check, so your credit won’t get dinged if you choose to unlock payment. Avoid the high fees and strict repayment terms that come with traditional business loans.


<h3>Instant funding</h3>


This is the closest that money gets to growing on trees. Hopscotch Flow gives you instant access to capital so you can make payroll, reinvest in your business, or cover other critical expenses.


<h2>How Hopscotch Flow works</h2>
<ol>
<li>Send an invoice on the Hopscotch platform with just a few clicks.</li>
<li>Our underwriting model instantly determines if the invoice is qualified for acceleration.</li>
<li>When you choose to Flow an invoice, you’re presented with a fair rate for your business.</li>
<li>After you click the Flow button, 90% of the total invoice amount is immediately added to your Hopscotch balance. The remaining 10% (less a small fee) will be added once the invoice is paid.</li>
<li>There&#8217;s no credit check, no paperwork application, and no long underwriting process.</li>
<li>Hopscotch Flow is completely private, meaning your clients won&#8217;t know when you get paid early.</li>
</ol>


<ol>
<li style="list-style-type: none;"></li>
</ol>


<ol>
<li style="list-style-type: none;"></li>
</ol>


<ol>
<li style="list-style-type: none;"></li>
</ol>


<ol>
<li style="list-style-type: none;"></li>
</ol>





<h2>Stuck in invoice limbo?</h2>


Hopscotch can help you tap unpaid funds instantly—never be a day late or a dollar short again. <a href="https://app.gohopscotch.com/register">Create an account</a> today and take advantage of reduced Hopscotch Flow rates as part of your free trial.

The power of faster payments: what Hopscotch Flow can do for your business

The-power-of-faster-payments.png

Future of B2B payments

6 fintech leaders to celebrate this Black History Month

Profile 18

What census and SBA data reveal about lending discrimination in 2025

Hopscotch improves visibility on cash flow with built in payment forecasting

LI_ Blog Content (03A) (2)

What are the primary cash flow forecasting methods?

Hopscotch makes predicting and calculating cash flow easier

pexels-tima-miroshnichenko-6694543

How to forecast cash flow in 7 easy steps

Frame

Ultra-simple cash flow forecasting template

Getting visibility on cash flow with Hopscotch

What is a cash flow forecast? An essential business finance tool

How to charge interest on overdue invoices

A template for late fees and interest on overdue invoice charges

Group 13571

How to follow up on overdue invoices: Complete guide with templates

Use Hopscotch to attach terms about late fees on overdue invoices before you send

Group 13570

Rules about late fees and interest on overdue invoice charges

Hopscotch helps businesses collect unpaid invoices

How to collect unpaid invoices: A step-by-step guide

Small business owner uses Hopscotch to avoid overdue invoices and get paid on time 

Smart strategies for managing overdue invoices

Common cashflow problems and how to solve them

How do companies account for receivables that are factored?

Invoicing

How factoring accounts receivable can benefit small businesses

Screenshot 2024-12-06 at 1.32.01 PM

AR financing vs. factoring

Why you need recurring payments for your small business (1)

How does invoice factoring work?

Small business owners review financial documents and project cash flow for upcoming quarter, deciding to use accounts receivable financing on some invoices. 

getty-images-kskXUynXSCE-unsplash

What is accounts receivable factoring? Your guide to financial flexibility

Small teams use invoicing software with early pay features to control cash flow 

Blog Content 8

Should you use invoicing software with early payment processing?

White label invoicing payment screen with custom brand details

A quick guide to white-label invoicing software for small businesses

Team learns about easy invoicing

How to choose white label invoicing software

Hopscotch Flow and small business owner

Is white label invoicing software free?

Hopscotch joins Avalara

Hopscotch joins Avalara!

Profile 17

Is invoice factoring a tax deduction?

Get paid instantly with Hopscotch Flow, an alternative to traditional invoice factoring

Invoice factoring vs bank loan

Instant cash flow that protects your client relationships

Is invoice factoring confidential?

Easy cash flow and instant payments for small businesses 

Easy cash flow and instant invoicing from Hopscotch

Is invoice factoring a loan?

Hopscotch helps businesses get paid fast and fee-free

Cash flow management for small business

4 cash flow management strategies for small businesses

Invoice factoring fees: how much & how fast do they add up?

Cash flow for small business

Navigating cash flow for small businesses

LI_ Small Business Community Content (4)

B2B ACH payments for small businesses

Frame (3)

What documents do you need for invoice factoring?

Life at Hopscotch

Will invoice factoring affect my client relationships?

Guide to invoicing (1)

Starter invoice template for self-employed freelancers and consultants

New agency’s guide to collecting unpaid invoices

A small business owner using Hopscotch Flow to easily get paid on time. 

Hopscotch Flow (2)

Traditional invoice factoring vs Hopscotch Flow

Secrets of Success | The Small Business Playbook

Elevating the payment experience for service-based businesses

Introducing "The Ultimate Stack"

The 5-step guide to managing customer payments

Common cashflow problems and how to solve them (2)

A guide to ACH payments for small business owners

Tailwind + Hopscotch

desola-lanre-ologun-IgUR1iX0mqM-unsplash

How trustworthy is Hopscotch?

Willa vs Hopscotch: What you need to know

Choosing the best invoicing software for freelancers

End Card

The ultimate guide to six-figure freelancing

End Card (1)

The best pricing strategies for freelancers

End Card (2)

Getting paid on time as a freelancer

Invoicing-for-graphic-designers.png

Invoicing software and automations for design companies

Invoicing tips and tricks for web developers

Invoicing software and automations for web developers

How-to-pay-yourself.jpg

How to pay yourself as a small business owner

Future-of-B2B-payments.png

Building the future of B2B payments with Reed Switzer and Thomas Rein

Fixed-vs-variable-costs.jpg

The difference between fixed and variable costs

Difference-between-invoices-bills-and-receipts.png

The difference between invoices, bills, and receipts

How-accepting-credit-card-payments-can-help-you-grow-your-business.png

How accepting credit card payments can help your business grow

Ruby-Money-x-Hopscotch-Webinar.jpg

The simple guide to paying taxes as a freelancer

Every-resource-you-need.png

Every resource you need to know as a freelancer

6-must-have-email-templates-for-freelancers.jpg

6 email templates for freelancers to earn more money and get paid faster

TankTalks-Podcast-Transcript.png

How failing at your first startup is the best education for young entrepreneurs with Reed Switzer

Preventing-payment-fraud.png

Payment fraud: what is it and how can it be prevented?

Organizing-Your-Small-Business-For-Success.jpg

How to organize your small business for success

How-to-prepare-cashflow-for-the-holidays.png

Heading OOO? How to prepare your business and cash flow

How-we-built-Hopscotch-Flow.jpg

How we built Hopscotch Flow

Hopscotch-x-Quickbooks-integration.png

Everything to know about the Hopscotch x Quickbooks integration

Accounts-payable-vs-accounts-receivable.png

The difference between accounts payable and accounts receivable

Growing-your-business-in.png

Growing your small business in an unpredictable economy

5-tips-for-more-accurate-cashflow-projections.jpg

5 tips to make more accurate cash flow projections

Common-cashflow-problems-and-how-to-solve-them.jpg

Common cash flow problems small businesses face and how to solve them

The-problem-with-accepting-paper-checks.jpg

The problem with accepting checks as a business

The-ultimate-guide-to-growing-your-revenue-as-a-freelancer.png

The ultimate guide to growing your revenue as a freelancer

Hopscotch-is-officially-open-for-business.jpg

Hopscotch is officially open for business

Whats-the-diff-between-ACH-and-wire-transfer.png

What’s the difference between ACH and Wire Transfers?

How-does-Hopscotch-make-money.png

How does Hopscotch make money?

Why-you-need-recurring-payments-for-your-small-business.jpg

Why you need recurring payment processing for your small business

Budget-vs.-Forecast.png

Budget vs. forecast: which is right for small businesses?

ACH-Transfers_-What-are-they-and-how-do-they-work.jpg

What are ACH transfers and how do they work?

Picking-payment-types-that-work-for-your-business.png

Picking payment types that work for your business

Six-tips-to-writing-effective-overdue-invoice-letters.png

6 tips for writing effective overdue invoice letters

A-small-business-owners-survival-guide.png

Tips for small business during economic downturns

How-to-handle-price-increases.png

How to notify clients about price increases

How-to-handle-clients-that-dont-pay-as-a-freelancer.png

How to handle clients who don’t pay as a freelancer

6-Payment-terms-every-freelancer-should-know.png

6 payment terms every freelancer should know

Announcing-Private-Beta-Funding-1.png

Announcing our private beta and recent funding

Is-outsourcing-right-for-your-business.png

Is outsourcing right for your business?

Announcing-Private-Beta-Funding.png

Guide-to-invoicing.png

Easy guide to invoicing as a small business owner or full-time freelancer

Life-at-Hopscotch.png

Basics-of-building-a-business-budget.png

The basics of building a business budget

HOP_Blog_3.6M.png

Hopscotch emerges from stealth to improve B2B payment experiences