Let your suppliers get paid early — at your credit rate, not theirs
Reverse factoring lets your business sponsor a financing facility so approved invoices from your suppliers are paid early, priced off your own credit rating — stronger suppliers, better terms, no cash out of your pocket.
As of [Month Year] — confirm figures with management before publishing
Slow supplier payment isn't free — it just moves the cost somewhere else
Extending payment terms protects your own cash flow, but it strains the suppliers you depend on, and fragmented, one-off financing arrangements don't scale across a real vendor base.
Slow payment strains supplier relationships
Suppliers waiting on extended terms are more likely to deprioritize your orders or quietly raise prices to offset the risk.
Extending your own terms has limits
Pushing payment terms further out protects your cash position, but it shifts real financial strain onto suppliers who can least absorb it.
Supplier-side financing doesn't scale
One-off financing arrangements negotiated supplier by supplier are slow to set up and impossible to manage across a large vendor base.
You sponsor it, priced off your credit — your suppliers get paid early
InvoRush lets you set up a reverse factoring facility once, so any approved supplier can access early payment at your rate — without changing your own payment timeline.
You sponsor the facility
Your company sets up a reverse factoring facility with InvoRush, sponsoring your approved supplier base.
Supplier submits an invoice
Once you approve an invoice, the supplier can choose to take early payment on it.
Anchor-backed verification
We verify against your company's credit profile, not the supplier's
Supplier paid early
Funds reach the supplier in days, at your preferential rate.
You settle on the original due date
Your payment timeline to InvoRush doesn't change from what you already agreed with the supplier.
Full visibility on one dashboard
Track which suppliers are using the facility and its impact across your supply chain.
What sponsoring companies actually need
Sponsor early payment for your approved suppliers
Set up one facility, priced off your own credit rating, and let approved suppliers opt into early payment on their terms.
Extend the facility across your full supplier base
Scale beyond a handful of large vendors — the same facility can cover hundreds of approved suppliers.
Better rates than suppliers could access alone
Because pricing sits against your credit rating, suppliers typically access terms well below what they'd qualify for independently.
No new debt, no change to your terms
The facility sits alongside your existing bank lines without adding liabilities or altering your agreed payment timeline.
InvoRush vs. extending your own payment terms
InvoRush Reverse Factoring
- ✓Suppliers paid early, without cash leaving your business
- ✓No change to your own payment timeline
- ✓Scales across your full supplier base
- ✓No collateral required from suppliers
- ✓Off-balance-sheet, no new debt
Extending Your Own Payment Terms
- ✗Strains supplier relationships over time
- ✗Suppliers may price in the delay risk
- ✗No visibility into which suppliers are under strain
- ✗Doesn't scale beyond a few key vendors
- ✗Can show up as extended payables on your books
Questions manufacturers ask before they set up a facility
Invoice discounting is initiated by a supplier who wants to convert their own receivables into cash. Reverse factoring is initiated and sponsored by the buyer, who sets up a facility so their approved suppliers can get paid early, priced off the buyer's own credit rating.
No. Your agreed payment date with InvoRush stays exactly as negotiated — only the supplier gets paid earlier than that date, if they choose to.
No. Because the facility is priced off your company's credit rating, approved suppliers can access early payment without going through their own credit assessment.
No. Reverse factoring is structured off-balance-sheet for the buyer, so it does not add reported liabilities or draw down existing credit lines.
Most companies are live and onboarding suppliers within 5 working days of completing setup.
Yes. You control which suppliers and which approved invoices are eligible for the facility.
No. Suppliers choose whether to take early payment on any given invoice — the facility is an option you make available, not an obligation.
A single dashboard shows which suppliers are using the facility, invoice-level activity, and the overall impact on your supply chain — replacing fragmented, supplier-by-supplier tracking.