Send a text. They tap the link, connect their bank, approve it. Money starts moving in about 60 seconds — no app, no account, no card.
1% per paid invoice, capped at $50. Nothing if they don't pay.
Payroll's Friday? Flip on Instant deposit — in your bank in under 30 minutes, weekends included.
Limited beta — spots filling. We're taking businesses that are actively invoicing.
27 days
That's the cash cushion the median small business is running on. In construction it's 19 days. The bottom quarter of businesses have under 13. One invoice going late is the whole margin for error.
JPMorgan Chase Institute, analysis of 470 million transactions across 597,000 small businesses.
When money is tight, most people reach for something expensive. Here's what those options actually cost, next to ours.
| When you need cash sooner | What it costs | Annualized |
|---|---|---|
| Merchant cash advance | 1.4× factor rate | ~80% APR |
| Invoice factoring | 1–5% per 30 days | 12–60% APR |
| Offering 2% off to be paid in 10 days | 2% of the invoice | ~37% APR |
| Credit card, carrying the balance | Interest | 20–25% APR |
| NoAppPay — just ask, and make it easy to say yes | 1%, max $50 | — |
You already know the 2/10 net 30 discount. Giving 2% away to get paid 20 days early works out to about 37% a year. We cap the whole thing at $50 — and there's nothing to pay back. During the beta, invoices are capped at $10,000.
"My question how do i tell them i need a payment without saying it like that?"
— contractor, LawnSite forumCalling a customer to ask for money makes you sound like you need it. A link doesn't. You're not asking for a favor — you're handing them the easiest possible way to close it out. Most people pay in the first few minutes, because paying finally takes less effort than ignoring you.
From your phone, on the job site. Their phone number or email is all you need.
They pick their bank, confirm the exact amount, done. No app, no account, no card number, no password.
Straight to your own bank account, with the expected deposit date on every invoice. Faster if you need it: you choose per payment.
In your bank in under 30 minutes — nights, weekends, holidays. 2% for the speed, on invoices up to $10,000. You choose it per payment, so a routine invoice keeps its 1% and the one that has to hit today gets there.
Customer approves → funds are moving on Stripe's instant rails. Not next business day. Actually today.
Friday night, Sunday morning, holidays. Bank is closed? Doesn't matter. Same rail either way.
It's a toggle on each invoice. You decide which ones are worth the 2%. Everything else is standard.
No. There's nothing to pay back and no interest. It's your own money, collected from the person who owes it. We just make it easy enough that they actually do it.
Your choice, per invoice. Standard is about a week — bank payments take a few days to clear and then we hold briefly against reversals. Instant deposit is under 30 minutes, seven days a week, for an extra 2% (invoices up to $10,000). Payroll's Friday? Flip it on. Routine? Leave it off.
There's nothing to use. They get a text, tap it, pick their bank, approve. About 60 seconds and they never hear from us again. No download, no signup, no password.
Nothing. No fee on unpaid invoices, expired links, or returned payments. No monthly fee and no minimum, so a slow month costs you zero.
Limited beta — spots filling. First three invoices free, founding pricing locked in, and my direct number. No card required.
Claim my beta spot