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Flowly is a digital platform that connects blue-collar businesses with factoring partners who purchase their verified receivables, providing same-day payment for completed work. We use AI technology to verify work completion before presenting receivables for purchase.

Once your work is verified and your invoice is approved, you'll receive payment within 24 hours. The verification process typically takes just minutes, not days or weeks like traditional factoring.

Flowly is designed for blue-collar businesses including construction contractors, trades (plumbing, electrical, HVAC), fleet operations, and landscaping companies that typically wait 30-90 days for payment on completed work.

Our AI-powered verification system analyzes multiple data points including invoice documentation, work orders with client signatures, geo-tagged photos of completed work, and timestamped completion documentation to confirm the work has been completed.

Flowly charges a transaction fee depending on the factoring partners negotiated rates, this can range anywhere from 2-5% depending on factors like invoice quality, payment terms, and client payment history. Flowly also requires a SaaS subscription with advanced features for $99-$299/month based on business size.

Sign up on our platform, complete a simple onboarding process, and you can start uploading invoices immediately. There's no lengthy application process or paperwork - everything is digital and streamlined.

While we don't directly guarantee payments, our multi-layered verification system significantly reduces risk for our factoring partners:

• Our AI technology verifies work completion through multiple data points
• We pre-screen businesses and their commercial clients
• We handle all documentation and PPSA registration
• We only present invoices that meet our quality standards
• Each transaction includes appropriate recourse terms agreed upon with our factoring partners

Our factoring partners set the ultimate credit limits, but Flowly's recommendation system influences these decisions:

• New businesses start with conservative limits based on our initial assessment
• As invoices are successfully paid to our factoring partners, we recommend higher limits
• Businesses with strong payment histories receive priority access to funding
• Our AI system tracks performance metrics to continually reassess risk profiles

For a business to use Flowly effectively, their client contracts must include:

• Clear payment terms (net 30/60/90)
• A clause permitting assignment of receivables to third parties
• Verification and acceptance procedures for completed work
• Authorization for factoring partners to collect directly if an invoice is funded
• Late payment penalties and interest terms must be listed

We provide guidance on these requirements during onboarding and can help businesses update their contracts if needed.