Put your receivables to work.
BusinessManager helps B2B businesses access working capital tied up in unpaid invoices—so they can keep operating, growing, and serving customers while they wait to get paid.
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34 plusYears
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17,000Businesses
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4 yearsAvg. participation
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$104 billion plusIn new sales
See how payment delays affect your cash cycle.
Use four operating-day inputs to estimate how long capital remains tied up in production, inventory, receivables, and payables.
A smarter way to manage cash flow.
Working capital can help a business keep operating, give customers more time, and act when the next opportunity appears.
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Keep operations moving
Support payroll, payables, inventory, materials, and other recurring needs while customer invoices remain outstanding.
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Give customers more time to pay
Create room around longer customer payment terms without putting the same pressure on operating cash flow.
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Capture supplier opportunities
Use available cash to pursue prompt-pay or volume discounts from suppliers.
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Take on more business
Create capacity for larger jobs, contracts, or customers before earlier receivables are paid.
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Invest in what’s next
Put capital toward equipment, expansion, new markets, service lines, and other operating needs.
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Work through your financial institution
Access BusinessManager through a participating financial institution and your existing banking relationship.
Keep control while putting receivables to work.
BusinessManager supports the receivables, billing, customer, and account activity that keeps the process connected.
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Submit receivables for review
Send accounts-receivable information through BusinessManager to your financial institution for review.
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Keep billing your customers
Maintain billing ownership to keep invoices strictly under your business branding, without any reference to BusinessManager or the financial institution.
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Maintain the customer relationship
Keep the customer-facing collection relationship while your financial institution processes payments.
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Review payment and account activity
Review relevant purchased receivables, payments, and account activity in BusinessManager.
From invoice to working capital.
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01
Invoices Created
Your business sells products or services and sends customers invoices for those purchases.
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02
A/R Data Sent
Your business uploads its accounts-receivable file to the financial institution through BusinessManager.
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03
Invoices Reviewed
The financial institution reviews the file and purchases your business’s accounts receivable.
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04
Business Funded
Your business receives funding in its operating account.
“BusinessManager allows us to operate from an all-cash basis and take advantage of supplier discounts we’d been missing. Getting paid in one day also enables us to take on new customers with longer A/R turns.”
Considering factoring? See how BusinessManager compares.
Compare the approaches across cost structure, flexibility, and the customer relationship.
Compare to FactoringReady to put your receivables to work?
Connect with a BusinessManager Account Executive when you are ready to discuss your business and next steps.