Working Capital

BlueVine Lending provides working capital solutions that complement its business banking products, offering lines of credit and invoice factoring alongside its checking account. The line of credit product provides up to $250,000 in revolving credit with weekly simple interest rates and repayments that adjust to actual draw amounts. Invoice factoring advances up to 90% of outstanding invoice value within 24 hours, converting receivables to immediate working capital — particularly valuable for B2B service businesses with net-30 or net-60 payment terms. The integration between BlueVine's banking and lending products creates a seamless cash flow management experience: businesses can see their account balances and draw on their credit line from the same platform. BlueVine's underwriting evaluates business performance through connected banking and accounting data, enabling faster decisions than traditional lenders. Businesses with BlueVine banking relationships receive preferred lending terms. The invoice factoring product serves manufacturers, distributors, staffing agencies, and other businesses with significant receivables. For companies already using BlueVine Business Checking, the lending products provide natural working capital access integrated into the banking relationship, simplifying the financing process and potentially reducing borrowing costs.

Driven provides asset-based lending and equipment financing solutions for businesses with significant physical assets — manufacturers, transportation companies, construction firms, agriculture operations, and other capital-intensive businesses that use equipment and real assets as collateral for financing. Asset-based lending structures credit facilities against receivables, inventory, and equipment, enabling companies to access working capital proportional to their asset base rather than limited by earnings multiples alone. Equipment financing covers new and used machinery, vehicles, technology, and other business equipment purchases with terms typically 3-7 years and fixed monthly payments. The underwriting process for asset-based loans evaluates collateral quality, business cash flows, and the borrower's ability to manage the collateral base. Revolving credit facilities against receivables and inventory provide working capital flexibility as business volumes fluctuate. For capital-intensive businesses that struggle to access unsecured financing due to thin margins or cyclical cash flows, asset-based structures provide financing capacity aligned with actual business assets rather than earnings alone. Driven serves businesses across traditional industries where physical assets create natural collateral for growth financing.

Fundbox is a fintech lender offering business lines of credit and accounts payable financing for small businesses, focusing on the working capital gap that invoice-heavy businesses face waiting for customer payments. The platform's underwriting model analyzes business cash flow data from connected accounting systems and banking data rather than relying solely on credit scores, making financing accessible for businesses with limited credit history but demonstrated revenue activity. Lines of credit from $1,000–$150,000 can be drawn down instantly once approved, with automatic weekly repayments spread over 12 or 24 weeks. The AP financing product advances funds against outstanding invoices, converting receivables to immediate cash. Approval decisions typically arrive within minutes, with funding available as quickly as the next business day. The revolving credit structure restores available credit as repayments are made, enabling repeated draws against the same facility. Integration with QuickBooks, FreshBooks, Wave, and major business banking platforms streamlines the application by pulling financial data automatically. Fundbox reports payment history to commercial credit bureaus, enabling credit building alongside borrowing. Best suited for established small businesses with consistent revenue seeking working capital flexibility without the collateral requirements of traditional bank lines.

Jeeves is a global financial platform providing corporate cards and expense management for companies operating across international markets — particularly startups and scaleups with operations in Latin America, Europe, and North America simultaneously. The platform addresses the fragmentation of managing corporate spending across multiple countries, currencies, and banking relationships by providing a single corporate card program accessible across its covered markets. Jeeves corporate cards operate on Net-30 to Net-45 terms, providing effective working capital by extending the time between making purchases and settling the card balance. Credit limits are based on business revenue metrics rather than personal credit, enabling companies to access meaningful spending capacity. Multi-currency capability reduces FX conversion costs for companies with international spending. Expense management features include real-time transaction visibility, receipt capture, approval workflows, and accounting integrations. Jeeves's underwriting model evaluates business revenue and banking activity to set credit limits without personal guarantees. The platform is particularly valuable for LatAm-headquartered companies and companies with significant operational presence in markets where US-centric corporate card programs provide limited coverage. FX conversion rates and fees are competitive compared to traditional corporate card alternatives in international markets.

Kabbage was acquired by American Express in 2020 and has been rebranded as American Express Business Blueprint, combining Kabbage's automated small business lending technology with American Express's financial infrastructure and brand. The product offers flexible lines of credit for small businesses with a streamlined online application process that evaluates business cash flow and revenue data for rapid approval decisions. Lines of credit range from $2,000–$250,000 with monthly fee structures that vary based on loan term and creditworthiness. The American Express backing provides greater financial stability and lending capacity than Kabbage had as an independent fintech. Cash flow management tools within the platform help business owners understand their financial position alongside their borrowing. American Express's global merchant network and card products complement the lending offering. The platform has processed over $17 billion in funding to small businesses. For small business owners seeking working capital with the confidence of American Express's brand backing and the convenience of digital-first lending, Business Blueprint provides an accessible, trusted financing option.

Cashforce is an AI-powered cash flow forecasting and working capital analytics platform that addresses the fundamental treasury challenge: predicting future cash positions accurately enough to make informed liquidity management decisions. The platform's machine learning models analyze historical payment patterns, seasonal trends, and transaction-level behavioral data to generate more accurate short-term and medium-term cash flow forecasts than traditional linear extrapolation methods. Working capital intelligence analytics decompose cash flow drivers — identifying which customers, regions, or product lines are creating receivables delays, inventory buildup, or payables timing issues — enabling targeted working capital improvement initiatives rather than generic acceleration programs. Cashforce integrates with ERP systems, treasury management systems, and banking data to consolidate the multiple data sources that treasury teams currently aggregate manually for forecasting. The variance analysis module compares forecast against actual cash flows systematically, identifying systematic forecast errors and improving model accuracy over time. Scenario modeling allows treasurers to test the liquidity impact of working capital changes — accelerating collections by 5 days, extending supplier payment terms, or releasing inventory reserve — before committing to operational changes. The platform connects to SAP, Oracle, Microsoft Dynamics, and major treasury management systems. Cashforce was acquired by NTT Data in 2022, gaining enterprise infrastructure and distribution support while maintaining its focus on analytics-driven cash forecasting. For corporate treasurers and working capital managers seeking to improve forecast accuracy and identify specific operational levers to optimize cash conversion, Cashforce's AI analytics approach provides insights that traditional TMS cash management tools don't generate.

Coupa Treasury is the treasury management module within Coupa's comprehensive Business Spend Management platform, providing cash forecasting, payment operations, and working capital management as part of an integrated financial operations suite. For companies already using Coupa for procurement and AP automation, the Treasury module extends financial visibility and control without introducing a separate vendor relationship. Cash forecasting integrates AP and AR data from the Coupa platform with bank account balances to generate comprehensive short-term liquidity projections. The payment operations module centralizes payment execution across bank accounts with fraud prevention, dual authorization controls, and audit trail documentation. Supply chain finance programs connect approved invoices to early payment funding — enabling suppliers to access accelerated payment while buyers extend DSO and potentially earn rebate income. Dynamic discounting enables buyers to offer early payment to suppliers at configurable discount rates, deploying excess cash productively while improving supplier cash flow. Bank connectivity accesses global banking relationships for balance reporting and payment initiation. Coupa's Community Intelligence network provides benchmarking data that Treasury can use to evaluate working capital performance against peers. For Coupa-centric finance organizations seeking a complete financial operations platform, the Treasury module's integration with procurement, AP, and the broader BSM suite creates a unified view of cash commitments and positions that standalone treasury systems lack. Implementation leverages existing Coupa infrastructure and vendor relationships.