Move money, fund growth and cut cost, with one partner.
Advance Pay Solutions brings trade finance, invoice factoring, cross-border payments, spend management and merchant services under one roof, so your business gets paid faster and pays less to move money.
Indicative terms for discussion, not an offer of credit. Based on an 85% advance, a 1.7% per month fee on the advance and a wire fee. Final terms are set in a signed Proposal Letter.
Six ways we help your business run on better terms.
From funding a purchase order to paying a supplier abroad, each solution is built to release cash, remove friction and lower what you pay.
Trade finance
We pay your supplier in cash and you pay in 30 to 90 days, so working capital stays in your business.
Invoice factoring
Advance of 85% within 24 hours of a complete file, non-recourse on your buyer's credit, domestic or export.
Cross-border payments
Pay and receive in 140+ currencies across 200+ countries and territories through TransferMate's regulated network.
Spend management
Corporate cards, expenses, bill pay and procurement in a single platform with Ramp.
Merchant cost optimization
We review your card processing statements, find excess fees and negotiate better terms, often without changing processors.
Consumer financing gateway
Let your B2C customers pay over time at checkout with bank-built point-of-sale lending, while you are paid up front.
From first call to funded in three steps.
Discover
A short conversation about how you buy, sell, get paid and pay, plus the documents needed to price the right solution.
Match
We match you to the right mix of trade finance, factoring, payments, spend and merchant solutions and walk you through indicative terms.
Launch
We coordinate onboarding with our partners so you are live quickly, and stay involved as your needs grow.
Trade finance: we pay your supplier, you pay us later.
ABL pays 100% of the supplier invoice in cash on delivery, with no deposit and no staged payments from you. You sell and collect over the term, then repay in 30 to 90 days. The facility revolves, so one approval becomes a working line you draw on continuously.
You place the order
You issue a purchase order to ABL Trading and ABL issues a matching order to your supplier on the same commercial terms. Your supplier relationship, pricing and specifications do not change.
We pay your supplier in cash
ABL pays 100% of the supplier invoice on delivery. Suppliers routinely price cash better than terms, and that discount is yours to negotiate.
Goods ship direct to you
Your supplier delivers straight to your address. ABL never handles the goods, and you sign a delivery acceptance certificate confirming what arrived.
We invoice you on term
ABL invoices the goods at your agreed trading fee, payable net 30 to net 90, matched to your own sales cycle.
You are paid before you pay us
You sell and collect over the term. Where the structure allows it, ABL can invoice your end customer directly so the receivable sits outside your balance sheet.
The facility revolves
On payment at maturity your limit is restored and the next order runs the same way.
| Day | What happens | Your cash |
|---|---|---|
| 0 | ABL pays the supplier in full, in cash, and delivers to you. | $0 |
| 0 | ABL invoices $100,000 plus a 1.7% per month trading fee for 2 months. | n/a |
| 60 | You pay ABL at maturity. | ($103,400) |
| You held $100,000 of working capital for 60 days. Cost: 3.40% | $3,400 | |
Fixed, flat pricing
A flat fee for the period, quoted per month on the invoice amount. Not compounded, not annualised, and it does not move with SOFR or prime.
Fast disbursement
Payment to your supplier within 24 hours of all documents being executed and in place. No origination fee, no unused line fee, no monthly minimum.
We can finance your sales too
Invoice your customers as you do today. ABL buys the receivable and pays you in cash, non-recourse where credit cover is in place.
Indicative terms for discussion, not an offer of credit. Facility limit, fee band and payment term are set in the signed Proposal Letter. A one-time, non-refundable application fee and a $25 wire fee per disbursement apply. Security is sized to the transaction and may include a personal guarantee and a UCC-1 filing. Receivables credit insured at 90% indemnity with Atradius. ABL Credit LLC.
Invoice factoring: paid on day one, not day sixty.
You ship and invoice as you always do. ABL advances 85% within 24 hours, holds a 15% reserve and releases it when your buyer pays. Credit risk on your buyer is ours, on domestic and export receivables alike.
We approve you and your buyers
One underwriting on your company, then a credit limit on each buyer, domestic or foreign, set before your first invoice.
You ship and invoice
Your commercial relationship does not change. The invoice carries an assignment note stating that payment is due to ABL.
Your buyer is notified
We notify your buyer and obtain written confirmation with a signed Notice of Assignment. Notification is always required.
You submit the invoice
Invoice with assignment note, purchase order, proof of delivery, Notice of Assignment and the buyer's confirmation.
We advance 85% within 24 hours
The fee is deducted at the advance, so the amount you receive is final. Nothing further is charged when your buyer pays.
Your buyer pays us at maturity
We release the 15% reserve in full and your limit is restored for the next invoice.
| Day | What happens | You receive |
|---|---|---|
| 1 | ABL advances 85% of face, less a 1.7% per month fee on the advance for 2 months and the wire fee. | $82,085 |
| 60 | Your buyer pays ABL $100,000 and we release the 15% reserve. | $15,000 |
| Total received. You were paid on day 1 instead of day 60. Cost: 2.92% | $97,085 | |
Non-recourse on your buyer's credit
Every invoice we buy carries approved credit insurance on your buyer. If that buyer fails to pay because it cannot pay, the loss is ours and the money stays yours.
Fraud and commercial disputes, such as undelivered or non-conforming goods, credit notes, returns and set-off, are charged back. Credit risk is ours; performance and validity stay yours.
Why your buyer is notified
Notification is a condition of the product. An unnotified operation is confidential factoring, a separate credit product to which the insurance behind this facility does not apply.
We will not purchase an invoice without notifying your buyer and receiving confirmation, domestic or export.
Indicative terms for discussion, not an offer of credit. Advance rate, fee band and payment term are fixed in the signed Proposal Letter. Credit limits on each buyer are set by our credit insurer. Invoices excluded include those from related companies, past-due or disputed invoices, terms over 90 days and buyers that are private individuals or public entities. ABL Credit LLC.
Cross-border payments that feel local.
TransferMate is a global B2B payments firm that lets companies send and receive cross-border payments faster, with better rates and clearer reconciliation than traditional correspondent banking. Its network of local bank accounts and licences is built for businesses that trade internationally.
Pay suppliers abroad
Send local-currency payments through a portal, file upload or API, with transparent FX and lower cross-border fees.
Collect like a local
Open virtual accounts in 35+ currencies so overseas customers can pay you locally, and reconcile receipts against invoices.
Lock in your rate
Use FX forwards to fix rates against invoice dates, payroll runs, supplier payments or large purchases, and reduce currency risk as you expand.
Built into your systems
Integrate with accounting and ERP software, with an integration to SAP Multi-Bank Connectivity for enterprise finance teams.
Regulated and bank-backed
One of the largest payment licence portfolios worldwide, with strategic investment from ING Group and AIB.
Portal, API or white label
Start with the web portal and grow into full integration, or embed payments into your own platform under your brand.
Coverage, currencies, licences and delivery times are as published by TransferMate and vary by corridor. Advance Pay Solutions is a TransferMate referral partner.
Spend management your finance team will actually like.
Ramp combines corporate cards, expense management, bill pay, procurement and accounting automation in a single platform, so every dollar is controlled before it is spent and closed out without chasing receipts.
Cards with built-in controls
Unlimited physical and virtual cards with limits by employee, vendor or category. Out-of-policy spend is blocked before it happens, with cashback and no personal guarantee.
Expenses on autopilot
Receipts are captured by text, email or app, matched to each transaction and coded automatically, with reminders for anything missing.
Bill pay and AP automation
Capture invoices, route approvals and pay vendors from one place, with payments to more than 190 countries.
Procurement and purchase orders
Intake requests, generate purchase orders and shorten the path from request to payment from weeks to days.
Accounting integrations
Sync in real time with QuickBooks, NetSuite, Xero, Sage Intacct and more, so the books stay clean as you go.
Real-time visibility
Budgets, dashboards and reporting show where capital is today, with policy enforcement and fraud detection across all spend.
Figures and features are as published by Ramp and may change. Plans, pricing and card eligibility are set by Ramp and its issuing banks. Advance Pay Solutions is a Ramp partner.
Stop overpaying to accept cards.
Most businesses pay more for card processing than they need to. We audit your statements, isolate hidden fees and inflated rates, and work to bring your costs down, then keep watching so they stay down.
Review
We analyze your processing statements line by line, separating interchange from processor markup, and flag every avoidable fee.
Restructure
We engage your processor to remove excess charges and negotiate better pricing, or recommend a change when it is genuinely better for you.
Monitor
We check your statements on an ongoing basis so new fees and quiet rate increases are caught and challenged.
- Processor markups layered on top of interchange
- Non-qualified and mid-qualified transaction downgrades
- PCI, statement, batch and gateway fees that no longer apply
- Poor level 2 and level 3 data handling on commercial cards
- Surcharge and cash-discount programs that fit your customers
- Contract terms: auto-renewals, early termination and price-change clauses
- Contractors and home service companies taking deposits and large tickets
- Importers, distributors and wholesalers accepting B2B card payments
- Healthcare, hospitality, retail and e-commerce merchants
- Multi-location operators comparing several processors
A financing gateway for your B2C customers.
Add a payment option that lets consumers finance a purchase at checkout, from an invoice link or in person, while you receive the full amount up front. We help you connect a consumer lending gateway to your existing payment flow so bigger tickets close more often.
Embedded at checkout
Customers apply in minutes from a link or checkout button and see real-time decisions with loan options matched to them.
You are paid up front
The lender funds the merchant in full for each financed sale and handles application, servicing and collections.
Higher conversion, larger tickets
Monthly payments make higher-cost purchases affordable, which helps close projects that would otherwise stall.
U.S. Bank Avvance
Avvance is U.S. Bank's embedded point-of-sale lending platform. Merchants offer installment loans at checkout, U.S. Bank is the lender and manages the loan from application through servicing, and the merchant is paid the full transaction amount within 48 hours.
It is used most in home improvement and elective medical, where affordability decides whether a project goes ahead. Merchants and software platforms can connect through APIs and low-code options, and U.S. Bank has added six and seven-year terms for larger home improvement projects.
Program details are as published by U.S. Bank and may change. Approval, rates, terms and merchant pricing are determined by the lender and depend on the applicant and merchant. Avvance and U.S. Bank are trademarks of their respective owners. Advance Pay Solutions helps merchants evaluate and connect financing options and does not make consumer loans.
Tell us what you need. We will come back with options.
Share a few details and we will respond with the solutions that fit, usually within one business day.
Important information. All terms shown are indicative and for discussion only and do not constitute an offer, commitment or guarantee of credit or services. Financing, payment and card products are subject to underwriting, eligibility and approval by the applicable provider, and are governed solely by that provider's written agreement. Trade finance and factoring are provided by ABL Credit LLC.
Trademarks and relationships. ABL Trading, TransferMate, Ramp, ProsPay, U.S. Bank, Avvance and all related names and logos are the property of their respective owners and are displayed solely to identify the providers of the services described. Their use does not imply endorsement, sponsorship, agency or affiliation beyond any relationship expressly agreed in writing. Advance Pay Solutions is a referral partner of the companies mentioned.
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