Net 30 and net 60 payment terms cause cash flow issues that disrupt payroll for a medium-sized company.

Existing payment terms from clients create a mismatch between incoming revenue and fixed payroll obligations; no specific financial tool mentioned to bridge this gap.

Severity

4High

Willingness to Pay

implied

Added

Jun 10, 2026

App Concept

PayrollBridge Cash Flow

PayrollBridge Cash Flow is a financing platform that advances funds against outstanding net-30 and net-60 invoices to ensure payroll is never delayed. It integrates with accounting software to automatically identify aging invoices and provides instant cash advances with transparent fees.

Key Features

Automatic invoice-based cash advance up to 90% of invoice value
Integration with QuickBooks, Xero, and major accounting platforms
Real-time payroll funding with same-day deposit option
Customizable repayment tied to client payment collections

Target Users: Owners of mid-sized service companies in construction, consulting, and other B2B industries with net-30/60 contracts.

Revenue Model: Fee-based: 1-3% of advanced amount per invoice depending on repayment speed; subscription tier for advanced features ($99/mo).

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