80%
Invoice using Hopscotch and access up to 80% of your pooled AR on-demand.
Hopscotch Flow
Turn your accounts receivable into instant working capital
41
Crush net invoice terms and get paid an average of 41 days faster with Flow.
4.8%
Pay as little as 4.8% to Flow funds from your Hopscotch line of credit to your bank
Need cash flow to grow your business?
Flow offers an immediate, scalable line of credit tied to your AR.
What types of businesses are a good fit for Flow?
Hopscotch Flow supports many types of businesses across different industries at various stages of growth.
B2B service industries where invoicing is a required step of the billing process.
Revenue bands from $2K/mo up to $10M/mo.
Branding Marketing
Media Production
Auto Services
E-Commerce
Operations
Consulting
Building Services
Design
Most Medical Services
Trucking
Oil & Gas
Mining
Shipping
Medical
Purchase Order Financing
Hopscotch is awesome! One of my favorite features is Flow. It allows me to receive advanced funding before the customer even pays. This is an essential asset for my small business.
Alton H.
Retail business owner, 1-10 employees
Get pre-approved
Once you create a Hopscotch account, verify your business, and connect your bank accounts, our team can pre-approve your business for Flow. Your borrowing limit and rate will be based on the cash flow of your business and total outstanding receivables. If your business isn’t automatically approved, no worries! Our credit team can manually review your business using prepared financials and/or bank statements.
Build your transaction history on Hopscotch
Before you can start advancing capital from your line of credit, you need to build a consistent transaction history on Hopscotch by sending invoices and getting paid. This gives your business time to generate a pool of available AR, and helps keep our community safe and secure.
Put increased capital to work for your business
Once you have sufficient transaction history in Hopscotch and your business is approved for Flow, you can draw from your line of credit and create instant working capital whenever you need it. Flow is an alternative to invoice factoring that helps hundreds of small businesses cover gaps in cash flow without the predatory fees or bad cycles so often found in short term lending products.
Get pre-approved
Once you create a Hopscotch account, verify your business, and connect your bank accounts, our team can pre-approve your business for Flow. Your borrowing limit and rate will be based on the cash flow of your business and total outstanding receivables. If your business isn’t automatically approved, no worries! Our credit team can manually review your business using prepared financials and/or bank statements.
Build your transaction history on Hopscotch
Before you can start advancing capital from your line of credit, you need to build a consistent transaction history on Hopscotch by sending invoices and getting paid. This gives your business time to generate a pool of available AR, and helps keep our community safe and secure.
Put increased capital to work for your business
Once you have sufficient transaction history in Hopscotch and your business is approved for Flow, you can draw from your line of credit and create instant working capital whenever you need it. Flow is an alternative to invoice factoring that helps hundreds of small businesses cover gaps in cash flow without the predatory fees or bad cycles so often found in short term lending products.
Case Studies
Operations consultancy
How an operations consultancy optimizes revenue with Flow
Managing multiple expenses and debts is a common practice for small business owners, but it can be risky. Poor cash flow is the #1 reason that small businesses fail! This operations consultant uses Flow to avoid incurring late fees and reduce time spent on admin tasks. “I have used Flow to pay down debt before interest payments would come due. It has also saved me time from being on the phone trying to coordinate payment dates with vendors.”
30 days
Average net terms crushed per Flow
$6.5K
Average Flow usage per month
$21K
Total cashflow unlocked to date
Interior design firm
How an interior design firm strategically scales using Flow
Architects and interior design companies often deal with upfront costs for labor and materials. Their work is inherently risky because each venture usually involves multiple companies. And sometimes clients don’t advance payment before work is completed. All this adds up to a struggle to manage inflow and outflow. This interior design firm uses Flow to unlock invoice revenue 30 days early, pay vendors, and invest in other projects to keep business moving.
30 days
Average net terms crushed per flow
$440K
Average Flow usage per month
$1.3M
Total cashflow unlocked-to-date
Digital design agency
How a design agency says yes to more clients using Flow
Small teams and contractors need bigger projects to grow revenue and scale their operations, but saying yes to larger clients can be daunting because they typically tend to invoice on longer net payment terms. This design agency uses Flow to get paid an average of 71 days early and say yes to significant client opportunities. This increases revenue, improves brand recognition, and helps grow their business across the board.
71 days
Average net terms crushed per Flow
$19K
Average Flow usage per month
$38K
Total cashflow unlocked to date