Business expenses don’t wait.
And neither should you.

Sign up for Capital One® Invoice Advantage℠ and get the power
to choose when you get paid.

Add predictability to your cash flow with Invoice Advantage.

Receive funding on outstanding customer-approved
in as little as one business day.
Only pay 1% fee of the funded amount per 30 days with
no long-term contracts, sign-up costs, or hidden fees.
Get an alternative to borrowing — Invoice
Advantage is an asset purchase tied to your incoming cash flow, not a loan.
Funding is fast and easy with our dashboard that lets you see all eligible invoices from your customer invoicing systems in one convenient place.

The choice is yours. Get peace of mind with your receivables
by advancing or assuring eligible unpaid invoices.


Get ahead of long payment terms and receive funding from Capital One before invoices are due to be paid by your customer.


Request a 30-day advance on a $10,000 invoice.

We’ll send you $9,000 (90%) up front.

We’ll send you the remaining $910 ($1,000 less a $90 fee) upon your customer’s payment on day 30.

Advance funds up to 90 days prior to invoice due date and pay 1% per 30 days funding fee, prorated from request date to due date.


Take the worry out of late payments — Capital One automatically funds invoices if your customer misses a payment due date.


Select the customers you want to “assure” funding for late payments.

When a customer misses a payment date, we’ll send you $9,000 (90%) on a $10,000 invoice.

We’ll send you the remaining $973 ($1,000 less a $27 fee) upon your customer’s payment 9 days after the assure date.

Assure and receive funds after a missed payment date and pay 1% per 30 days funding fee, prorated from assure date to customer payment date.

Timelines and invoice values provided for explanatory purposes. The only change in your customer payment process is a one-time update to your remit-to account and routing number to Capital One during onboarding.

It can take months to see cash in the door on service programs. Invoice Advantage allows us to get working capital fast when we’re ramping up our team on new engagements.

— Mike B. CEO, technology consulting firm

Experience something different than traditional invoice financing or a line of credit.

Macbook Air showing Invoice Advantage website

Reduced paperwork.
There’s no need to fill out lengthy forms or provide financial statements. Simply grant Capital One access to view online invoice history when applying.

Faster funding.
Get approved, onboarded, and advancing or assuring invoices in a matter of days, not weeks.

We’ll connect your invoicing platform(s) to the Invoice Advantage dashboard.

Fewer fees.
Take advantage of fair, simple pricing and avoid unused line, monthly minimum, and annual fees.

Ready to join Invoice Advantage?

Get started today and take control of your invoice payment schedule

Credit approval required. Full terms and conditions are available in the customer agreement. Products and services are offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A., Members FDIC.