A revolving line of credit

Unlike traditional bank loans, Invoi Capital is built into the platform you already use. No long applications, invasive underwriting, or slow approval. Partner banks extend a revolving line of credit backed by your cash flow and verified by the invoices you issue in Invoi — so you can draw in minutes without collateral or extra paperwork.

Once approved by our lending partners, you can unlock funds within minutes — not days or weeks. With just a few clicks, the money is deposited to your Invoi Balance, ready to use or withdraw to your bank account — so you can cover supplier payments, tax obligations, or other working capital needs right away.

No. Businesses can apply for financing from Invoi Capital's lending partners without a hard credit check. That means you can access funds without worrying about negative impacts on your credit profile.

Repayment is automated and flexible. Once funds are drawn, repayments are withdrawn from your Invoi Balance on a set schedule — typically monthly installments based on the terms shown at draw. This helps you avoid overborrowing and supports responsible repayment. On-time repayment can even increase your available credit limit over time. Repayment is made to Invoi Capital's lending partners in accordance with schedules set by those partners.

Yes. While the line is backed by your cash flow and verified by the invoices you issue, you can use it for broader working capital needs — paying suppliers while waiting on customers, covering seasonal expenses, or seizing growth opportunities.

Invoi Capital is designed for businesses on the VIP plan who meet eligibility based on cash flow and invoicing activity already in Invoi — verified by the invoices you issue and your payment track record.

No. Invoi Capital is transparent and flexible; there are no idle fees, hidden terms, or mandatory drawdowns. You only pay for what you use. The line of credit can sit in the background until you need it, at no additional cost.