Finding new working capital has always been a challenge. Large companies have the staff and financial strength to maintain a number of different sources. But most businesses rely on their banks, and when banks can't lend because of concentration or cap limits, those businesses are forced to leverage expensive and risky sources of incremental capital or turn down business opportunities.

InStream Financial EarlyPay™
The Working Capital Alternative

Now, any business can increase its liquidity and generate extra working capital by selling receivables into the InStream Financial EarlyPay program. EarlyPay makes it easy for a business to capitalize on opportunities as well as improve DSO and other financial ratios.

Simple Solutions
Implementing the EarlyPay program is easy:

For Suppliers:
More Cash and Improved Balance Sheet

• Safe, easy and flexible access to extra working capital
• Improved control over cash flow
• Lower the cost of capital
• Maintain a solid financial score card
  more...

For Banks:
Healthier Clients

• Maintain all current control with your clients
• Extra capital for your clients when needed
• Complements traditional lines of financing when credit caps or concentration issues arise
  more...

For Buyers:
Healthier Suppliers

• Maintain current payment terms and processes
• No guaranty required
• Financially healthier suppliers give buyers a stronger competitive position
  more...

Affordable and Flexible

• EarlyPay is there when you need it.
• Registration and set-up is easy and inexpensive.
• No subscription fees. The ONLY FEE is a small discount paid when receivables are sold into the program.