Self-advance up to 90% on your invoices instantly—fund your own float, repay when clients pay.
Solo SaaS freelancers suffer cash flow shortages from clients delaying payments, preventing them from covering monthly expenses or investing in tools and marketing.
Deposit a cash buffer via Stripe; upload unpaid invoices to instantly advance 80-90% to your bank. When clients pay (auto-tracked), repay automatically from your Stripe. Perfect for covering bills during 30-90 day terms without banks or fees eating profits.
Solo SaaS freelancers billing clients on delayed payment terms
No credit checks, no lenders—just your own money recycled smarter for solos.
friendly
Deposit via Stripe to your float wallet
Upload invoice, get instant % advance to bank
Tracks client payments via Stripe webhook, repays vault
See available float, upcoming repayments
Mark paid or integrate Stripe for auto-status
Suggests optimal float size based on invoices
Shows opportunity cost savings
Plaid for instant bank transfers
Export advance history
For custom integrations
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| stripe_customer_id | text | Yes |
| bank_account_id | text | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| balance | int | No |
| stripe_balance_id | text | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| advance_amount | int | Yes |
| status | text | No |
| repaid_at | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| wallet_id | uuid | No |
| invoice_id | uuid | No |
| amount | int | No |
| payout_id | text | Yes |
/api/wallet/fundCreate Stripe payment for deposit
/api/invoicesUpload invoice
/api/advancesRequest advance on invoice
/api/dashboardGet wallet and invoice stats
/api/webhooks/stripeHandle payment events for repay
/api/reportsCash flow history
3 advances/mo
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 80 | 4% | $144 | $1,728 |
| Month 6 | 600 | 7% | $1,890 | $22,680 |
Use your own deposits to advance invoices—no banks, no hassle, full control.
Offer free Pro to 3 freelancers from personal network or Upwork forums facing cashflow issues; record Loom demo of their invoices. Share build-in-public thread on Twitter tagging #freelance, convert engaged commenters.
Mass payouts
Not for solos, complex setup
Solo-focused, instant self-advances
Easy funds
Credit-based, fees
No credit, user-controlled
Switching costs from tracked invoice history and habitual float usage.
Gig economy growth + rising interest rates making bank loans harder for solos.
User default risk
Self-funded only, hold Stripe collateral
Stripe webhook failures
Retries + manual override
Success: 15 interested in beta
Success: Repeat usage
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