Swap unpaid invoices with other freelancers—get paid early via P2P matching at no extra cost.
Solo SaaS freelancers suffer cash flow shortages from clients delaying payments, preventing them from covering monthly expenses or investing in tools and marketing.
Post your delayed invoice to the marketplace; get matched with a freelancer who pays you instantly for a small discount (2-5%). They claim your invoice from your client or swap back. Community-powered cash flow without banks.
Solo SaaS freelancers billing clients on delayed payment terms
P2P network effect—freelancers pay each other early, building trust scores over time.
professional
List unpaid invoice for swap
Algo matches by amount/location/client type
Stripe transfer upon match acceptance
User ratings and completion history
Simple mediation for issues
Active swaps, history, available matches
Secure messaging for negotiations
Upload multiple invoices
Swap success rates
React Native wrapper
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| stripe_id | text | Yes |
| trust_score | int | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| discount_percent | int | Yes |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| buyer_id | uuid | No |
| seller_id | uuid | No |
| invoice_id | uuid | No |
| completed_at | timestamp | Yes |
| amount_paid | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| swap_id | uuid | No |
| content | text | No |
/api/invoices/postList invoice for swap
/api/matchesFind matching invoices
/api/swaps/:id/acceptAccept match and pay
/api/swapsUser swaps dashboard
/api/disputesFile dispute
/api/webhooks/stripeConfirm payments
No disputes
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 3% | $162 | $1,944 |
| Month 6 | 1,000 | 6% | $2,700 | $32,400 |
P2P swaps with fellow freelancers—early payments, low discounts, zero banks.
Seed with 10 freelancers from freelance Discords/Slack groups; manually match their invoices for first swaps. Offer free Pro + referral bonus for successful completions and shoutouts.
Quick funding
Lender fees, credit checks
P2P zero fees (discount only), network effects
Flexible
Business-oriented
Freelancer-exclusive P2P
Network effects—more users = better matches; trust data locks in.
Freelancers distrust banks amid high rates; crypto/P2P trends rising.
Disputes/fraud
Stripe holds funds, trust scores, TOS arbitration
Chicken-egg liquidity
Seed with incentives, geo-target
Matching quality
Manual bootstrap then ML
Success: 10 successful swaps
Success: 20 matches
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