Pay workers now. Pay us later.
Stop fronting payroll on your credit card or through factoring. Stop turning down contracts because you can't bridge the AR gap. Flex Credit fronts your payroll, you pay us back when your clients pay you.
0.075%*
Daily rate, on each draw — pay early, pay less
Net 30*
Typical repayment terms, matched to your AR cycle
Not factoring
Your invoices stay yours. We never touch your client relationships. This is payroll funding — full stop.
Sound familiar?
Workers want pay this week. Your clients pay you in 45.
You run a business that does the work first and gets paid later. Your team needs cash now — daily, weekly, instantly. Your clients are on net 15, 30, sometimes 45 day terms. The gap in the middle is a problem you've been solving with whatever tool's around.
I was running payroll on my personal Amex every Friday. The points didn't make me feel any better.
We turned down a $10M government contract. We physically could not front the payroll.
What you actually get
Payroll funding, built into payroll
Flex Credit isn't another vendor to manage or another login to remember. It's payroll funding built into Everee's modern payroll platform.
1
Run payroll on Everee
Payroll built for workforces that don't fit a 9-to-5 mold. Flexible pay cycles, automated compliance and same-day funding so your cash stays in your account longer.
2
Everee fronts the funds
Approved payroll gets funded. Workers get paid on time, every time.
3
Clients pay you
15, 30, 45 days later. Whatever your AR cycle looks like.
4
You pay us back
On terms we set together. Pay early to pay less. New draws don't change old ones.
How it's different
Not factoring. Not a credit card. Just funding for the payroll you already run.
Factoring
You hand over your invoices
- Factor takes ownership of receivables
- Factor talks to your clients
- Locked-in long-term contracts
- Pricing applies to entire book
Flex Credit
Payroll funding only
- Your invoices stay yours
- We never touch your clients
- Use it when you need it
- Pay only for what you draw
Credit cards / personal loans
A personal liability
- 15–25% APR, compounding
- Tied to your personal credit
- Not designed for payroll size
- Refinance pressure every 30 days