Get 80% of your game invoice paid upfront—bridge cash flow gaps instantly.
Freelancers working with indie game studios endure rampant 90+ day payment delays on invoices, devastating cash flow and forcing them to take unwanted side gigs.
Submit invoices for instant approval; get advanced funds minus small fee, while platform chases full payment from studio. Tailored risk scoring for indie game freelancers ensures quick approvals without personal guarantees.
Freelancers (e.g., artists, programmers, designers) contracting with indie game studios
Game studio risk database + peer-to-peer advance matching among freelancers.
friendly
Upload invoice, get AI risk score and instant advance decision.
80% advance via Stripe, fee deducted.
Automated collection from studio post-advance.
View studio risks, approval history.
Auto-deduct remainder when studio pays.
Freelancers fund others for higher yields.
Export for taxes.
Earn fee credits for referrals.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| stripe_id | text | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| invoice_amount | int | No |
| advance_amount | int | No |
| status | text | No |
| risk_score | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| name | text | No |
| risk_score_avg | int | Yes |
| default_rate | int | Yes |
/api/advancesSubmit for advance
/api/advances/:id/payoutTrigger payout
/api/studios/:name/riskGet studio risk
/api/dashboardAdvances overview
3% fee
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 5% | $48 | $576 |
| Month 6 | 900 | 9% | $648 | $7,776 |
80% upfront, we chase the rest. No waiting 90 days.
Target freelancers complaining about delays in r/gameDevMarketplace; offer first advance free fee via DMs; post case study bait on Twitter indie game lists.
SaaS invoice financing
B2B focus, no niche
Game-specific + freelancer friendly
Fast advances
Credit checks required
No personal credit, studio-based risk
Accumulating studio default data improves AI, creating data moat; P2P adds liquidity network.
Indie funding crunch + remote work surge means more freelancers need cash flow tools.
Bad debt from non-paying studios
Conservative scoring + reserves
Financing regulations
Structure as fee service, consult lawyer
Payout failures
Stripe retries
Success: 50 signups
Success: Zero defaults
Success: 95% repayment rate
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