Skip net invoice terms
and get paid instantly
Thousands of small businesses fail each year because of poor cash flow. Hopscotch Flow is the invoice factoring partner you need for a rainy day.
Accelerate cash flow from unpaid invoices without alerting your clients or needing a credit check. Never worry about getting paid late again—control when money hits your account, protect client relationships, and avoid gaps in cash flow.
Go from pending to paid
Say hello to the best invoice factoring alternative for small businesses.
No UCC filing, lockbox, or credit check
Businesses can us Flow to accelerate funds from unpaid invoices, no credit check required. Get 90% of qualifying invoices paid upfront without alerting your clients! There’s also no UCC filing (Hopscotch doesn’t take a position on the invoice debt) and no lockbox, so funds are available immediately.
Protect client relationships
Hopscotch Flow is completely private. Your customers won’t be notified when you Flow an invoice. Traditional factoring solutions can jeopardize valuable client relationships, but Hopscotch Flow provides a seamless payment experience for you and your customers.
Easy, instant approval process
Create a verified Hopscotch account in minutes and find out your Flow lending limit within an hour. As customers build history, their limits will automatically increase. Our team can also manually evaluate any business that doesn’t get approved automatically.
Dynamic rates to fit your business
Businesses can use Hopscotch Flow to generate instant working capital. Unlike other short term financing solutions, Flow rates are transparent and fair. The base fee for Hopscotch Flow is 1.25% the advance amount, which is 90% of the invoice total. There’s also a daily fee of 0.083%. Generally speaking, the cost to flow a Net-30 invoice will be about 3% of the total invoice amount.
Invoices you send each month
Average invoice size
Time it takes to get paid (days)
Flow benefits
Stop waiting for cash flow, get paid an average of 41 days faster!
$1,152,000
of your money unlocked sooner every year
6,480 days
of not waiting on invoices to be paid every year
Get approved for Flow
Create a Hopscotch account, verify your business, and get approved for Flow. You’ll know your borrowing limit and rate within the hour. If you aren’t automatically approved, you can request a manual review from our team.
Flow your first invoice
Create and send a new invoice using the Hopscotch invoicing tools or upload an outstanding invoice. If it’s eligible for Flow, you’ll see the blue chevron icon. Once you click Flow and accept payment terms, 90% of the total invoice amount will be instantly added to your Hopscotch Balance.
Put your cash flow to work
When your customer pays the invoice, the remaining 10% of funds will be added to your Hopscotch Balance (minus a small base fee.) If your customer doesn’t pay back the invoice on time, a daily late is fee applied to the transaction.
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
Small Business Owner
Check out the full suite of payment tools
Bill Pay
Pay bills on time without missing a beat
Review and schedule payments using a bank transfer, credit card, or your Hopscotch Balance. Integrate with QBO to reconcile payments automatically.
Invoicing
Create and send branded invoices in seconds
Pump up your revenue with fast, fee-free payment options. Control the transaction experience for clients and vendors.
