Invoice Financing: Get Paid Today. Grow Tomorrow.
Why wait weeks or months for buyers to release funds?
Get invoices paid fast to unleash immediate cash flow for your business.
Watch how it works!
Regain working capital to invest, innovate, stay resilient.
See how Cleo InvoicePay™ works to ensure a healthy, sustainable cash flow.
Fill out a quick 5-minute application.
Review and accept your offer.
Choose the invoice(s) and access funds.
Flexible repayment on your terms (30/60/90).
Create value that flows both ways in the supply chain
- Benefits for BuyersKeep working capital flexibility. Keep extended payment terms without damaging supplier trust.Drive stronger partnerships. Support supplier health, diversity, and sustainability goals.Add resilience to your supply chain. Ensure your suppliers have the cash to deliver reliably, even in volatile times.
- Benefits for SuppliersRealize faster cash flow. Get paid within 24 hours instead of waiting weeks or months. Lower cash gap risks. Reduce liquidity stress, improve financial stability and resilience, and avoid costly borrowing.Free up capital to invest in people, tech, and expansion.
Frequently asked questions
Get quick answers to your questions about Cleo InvoicePay™
How do you determine my offer?
Financing eligibility is based on your business’s outstanding debt, expenses, income, account history, and payment frequency. You’ll know if you qualify within 24 hours (average time to process).
Why do I need to connect my bank account?
It lets us securely review your cash flow so we can tailor the best loan offers for your business.
Does this affect my credit score?
No. The application process does not impact credit score. We only conduct a soft credit pull, so your score stays intact.
Do I have to advance every invoice?
No. You get to choose which invoices to fund, when you need the cash.
Can I consolidate business loans?
Yes, consolidation and refinancing are available through our invoice financing partner, Kanmon.
How do repayments work?
Repayments are deducted from your connected business bank account on your preferred schedule - 30/60/90 days – it’s your choice. And you can prepay anytime – no fees or penalties. In fact, if you pay back early, we’ll rebate pro rate on the financing fee.
How do I track my balance?
Log into your funding portal anytime to see your balance, payment history, and updates once funds are issued.
Are there late fees?
Yes. Kanmon charges $25 fee for late payments and a $35 fee if a payment bounces.
What if I need help connecting my bank or accounting software?
Reach out to our support team at help@kanmon.com
Who is Kanmon?
Cleo's new invoice financing solution, Cleo InvoicePay is powered by Kanmon. Kanmon is a trusted leader in commercial financing that helps businesses unlock working capital through flexible, transparent funding solutions.
Kanmon is a licensed commercial lender founded by a team of financial experts with decades of experience in business lending and risk management. The company partners with established financial institutions to bring fast, reliable access to capital for small and medium-sized businesses.
Backed by FIS Global, a Fortune 500 financial technology company, Kanmon combines modern financial technology with rigorous underwriting standards to ensure secure and responsible lending.
Together, Cleo and Kanmon make invoice financing simple, fast, and dependable — so your business can keep moving without waiting for invoices to clear.
Learn more about Kanmon at www.kanmon.com