Get paid on your invoices without chasing anyone.
No more chasing clients, and no more waiting out net terms. Get paid upfront and let Cheque collect from your client, without anything changing on their side.
Harbor & Pine Co.Paid
Invoice #1042 · Net 60
Line items
Quotes
When agency and studio owners come to us, they usually say
“I get that payment terms are just a part of business, but I don’t want to have to wait to get paid so I can reinvest in the business.”
Founder, bootstrapped startup
“At any given moment I've got one month’s revenue worth of payments we’re owed that we haven't been paid for. It’s a risk.”
Finance Manager, ad agency
How it works
How Cheque works
Invoicing with early payout built in. You get paid on the invoices you choose, and we wait on the client.
Get early payout offers on your invoices
No more waiting 60 or 90 days, and no more chasing clients for money you've already earned. Accept an offer and the money is in your account within a day.
If a client never pays, that loss is ours, not yours.
- Paid within a day of accepting an offer
- Fee shown before you accept
- Your choice, invoice by invoice
Nothing changes for your client
Your client gets the same invoice, for the same amount, due on the same date, and can keep paying to your bank details. There's no new vendor for them to approve and nothing to sign up for.
- Same invoice, amount and due date
- Paid to the same bank details as today
- You stop chasing, we wait for the payment
Nothing changes for your finance team
Invoices, clients and payments sync to QuickBooks automatically, so your books stay right without manual work. An early payout isn't a loan, so there's no debt on your balance sheet and nothing to pay back.
- Syncs with QuickBooks
- No debt on your books, nothing to pay back
- Works on its own if you don't use QuickBooks
With Cheque you always have cash on hand to make payroll, pay your team, and fund your projects on time. Take on the big-brand contracts even when their accounting is slow, and let us handle the cash flow.
Testimonials
What others say about us
Filip Dalhamn
People People People
When projects get delivered on day 60, you might not see cash in the bank until day 120. In between, you’ve already paid salaries, upfront costs and freelancers.
Bobby Aguirre
Lúgh Studio
You can have great clients and do great work. But when payments lag, everything slows down. You don’t realize how much it matters until it’s fixed. Cheque solves that for us.
Pricing
Compare it to what you do now
Waiting costs you cash flow, a credit line adds debt, and a factor gets between you and your client. Cheque does none of that.
Funding
How we fund early payouts
Most invoice financing can only grow as fast as the lender’s balance sheet. Cheque is funded by its own payment flow. Clients can pay invoices early for a discount that Cheque gives them, and the vendor never pays for it. We pool those early payments and use them to pay vendors upfront.
Our own capital and a credit line fill any gap, and we adjust discounts and fees to keep supply and demand in balance. The more invoices run through Cheque, the more capital there is to pay vendors early.
FAQ
Here are the answers to your questions
How do the early payouts work?
Each eligible invoice gets an offer with the fee shown upfront. Accept the ones you want and skip the rest. You only pay a fee on the offers you accept.
Will you contact my client?
No, we don't reach out to your client. When you take an early payout on an invoice, that invoice and its payment page only show a small notice that the payment is assigned to Cheque, and any reminders still go out from you, under your name. Your client keeps dealing with you the way they always have.
Where does the money for early payouts come from?
Clients on Cheque can pay their invoices early and get a small discount. We give them that discount, so it never comes out of your pocket. We pool those early payments from across the platform, add our own capital and a credit line, and use all of it to pay vendors upfront. So your early payout doesn't depend on your own client paying early.
Do my clients see any difference?
No. They pay the same amount on the same due date using the same payment methods.
Which accounting software can I integrate with?
Cheque seamlessly integrates with QuickBooks, ensuring smooth and efficient invoicing workflows. Integration enables automatic syncing of invoices and payments, and importing of existing clients and items, streamlining your financial operations. Cheque can of course be used as a standalone solution too. If you choose not to integrate with QuickBooks, you can easily download all your data as CSV files for manual processing and record-keeping.
Do you support recurring billing?
Yes. Set it to repeat every week, month, quarter or year. It will automatically be sent out at your chosen cadence.
Which payment methods can I offer my clients?
You can send invoices with payments through ACH, credit card and direct debit integrated directly into the check-out.
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Try it yourself
Stop chasing invoices and get paid now.
Book a demo and we’ll walk you through it.