Cheque
Cheque is an invoicing platform with built-in early payout offers that lets small businesses and agencies get paid within a day of sending an invoice, without taking on debt or using factoring. The company handles collections from clients while keeping the client experience unchanged, and charges a commission only when a vendor accepts an early payout offer. The platform includes QuickBooks integration, recurring billing, and client payment options like ACH, credit card, and direct debit.
- Financial Technology
- Enterprise Software
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Small businesses and agencies often wait weeks or months to get paid by clients, creating cash flow gaps that force them to delay payroll, projects, or growth. Traditional solutions like credit lines add debt, while factoring companies charge high fees and can disrupt client relationships.
Solution
Cheque provides an invoicing platform with built-in early payout offers on eligible invoices, allowing businesses to get paid the same day they send an invoice. The company handles collections from clients while keeping the client experience unchanged—same amount, due date, and payment method. Vendors choose which invoices to take early payouts on, and Cheque charges a small commission only when an offer is accepted. The platform also supports dynamic discounting, where clients can opt to pay early in exchange for savings that Cheque covers, not the vendor.
Target Audience
Primary customers are agencies and small businesses in the U.S. that need predictable cash flow without taking on debt or using invoice factoring, particularly those working with large-brand clients that have slow accounting processes.
Features
- Early payout offers on eligible invoices with same-day payment and non-recourse terms (loss is Cheque's if a client doesn't pay)
- Full invoicing suite with recurring billing options (weekly, monthly, quarterly, yearly)
- QuickBooks integration for automatic syncing of invoices, payments, clients, and items, plus CSV export for standalone use
- Client payment options including ACH, credit card, and direct debit integrated into the checkout
- Opt-in early payment savings for clients, funded by Cheque, with vendors receiving the full invoice amount on the original due date
- White-label collections process where reminders go out under the vendor's name, with only a small notice on the payment page when an invoice is assigned to Cheque