Working capital
Move one payment date without moving the other.
Early Pay releases cash to your suppliers sooner, on the terms you already agreed. Pay Later keeps your vendor network paid on the date you promised while your own cash leaves later. Same network, opposite directions.
Early Pay
Your growers reach the cash sooner. You still pay on your terms.
A supplier who is waiting on a 30 day invoice can take the money on day 1 instead. They choose, invoice by invoice, and they see the exact dollars before they decide. Nothing about your own payment date changes.
Your supplier reaches the cash on day 1. Your own payment date does not move.
What it costs
From 1.85%for a 30 day invoice
Priced per day, not per month. A shorter invoice costs proportionally less, so the number above is a starting point rather than a flat fee.
- Tier 11.85% over 30 days
- Tier 22.25% over 30 days
- Tier 32.50% over 30 days
Tiers are set by the capital partner against approved credit. Your exact cost is shown in dollars before you accept anything, and the binding figures live in your agreement.
What your supplier gets
Paid faster
Cash lands the next business day, not at the end of your terms.
Certainty and visibility
They see the exact dollars first and choose each invoice. Nothing is automatic.
A stronger relationship
Suppliers who can plan their cash take more of your volume, and price it better.
Suppliers enroll at no cost. The invited party never pays to join.
Pay Later
Your vendors are paid on time. Every time.
Your network is paid on the date you promised, whatever your own cash position looks like that week. You settle later, on a term you pick. The vendor never sees the difference, which is the entire point of being reliable to them.
Your vendor is paid on the date you promised. Your own cash leaves later.
What it costs
From 1.77%for a 30 day term
A flat fee on the amount, for the whole term. Not a monthly rate, so a 60 day term is not double a 30 day one. The rate is set by the capital partner, and Payve adds nothing on top of it.
Your rate is fixed the moment you take a term, and it is the same number written in your agreement.
Terms available today are 30 and 60 days. Your own rate depends on the capital partner and can move between batches, so treat this as a floor rather than a quote.
What your network gets
Paid on the promised date
Not early, not late. The date on the invoice is the date the money lands.
Nothing to sign up for
Your vendor is paid the way they always are. Pay Later is your arrangement, not theirs.
A reputation you can spend
A buyer who always pays on time gets first call on supply when it is tight.
Which one you want depends on whose cash you are trying to move.
Early Pay
Moves your supplier's money earlier
- Them
- Your growers reach liquidity without waiting out your terms.
- You
- Your payment date is unchanged.
Pick this when a supplier needs cash sooner than your terms allow.
Pay Later
Moves your own money later
- Them
- Your vendor is paid on the promised date, every time.
- You
- Your cash leaves on a term you pick.
Pick this when you want to be reliable to your network and still hold cash.
They are not alternatives. Most buyers run both, on different suppliers, for different reasons, out of the same network.
The money and the busywork, handled.
A 30-minute walkthrough with your systems in mind. No rip and replace, nothing to install.