Save time & money with your all-in-one invoicing, banking, and factoring platform.

Get industry-low rates and fast fund availability.

Select your monthly invoicing volume

2.5%

Max rate

Your ways to save
1.0% factoring on Outgo Card Purchases
1.0% factoring when you wait
When you choose to factor, you're charged an industry-low factoring fee, but if you decide not to factor, at Day 30 your rate drops to 1.0%.
Parachute
Risk Free
No annual contracts and no cancellation fees
Difference
Flexible
No reserve and no minimum fees
Shield
Non-recourse
Your business is protected if a broker goes bankrupt
Fees
Transfer fees
Instant •
Fastest
Any day and time of the week
1.0% fee • Max $20.00
Same or next day • Wire Transfer
Except on weekends or holidays
$20.00
1-3 days • ACH Transfer
Except on weekends or holidays
Free
Card fees
In-network ATM fee
Free
Domestic transaction fee
Free
Out-of-network ATM fee
$2.50
International transaction fee
1.0%
Factoring is outdated, we do so much more
Other companies
Rate
2-5% Fixed rate
2.5%
Max rate
Smart factoring
N/A
Reduce your rate to 1.0%
On purchases with the Outgo Card or when you wait till Day 30
On-demand factoring
Factor what you need, when you need it – at the lowest rate possible, guaranteed.
Outgo Debit Card
N/A
Instant access to funds
Payout speeds
1-2 day funding
Four hours or less
Flexible contracts
Lengthy contracts and cancellation fees
Minimum fees
Reserves
No annual contracts or cancellation fees
No minimum fees
No reserves
Broker bankruptcy protections
No protections
Non-recourse so your business is protected
End-to-end invoicing
Only factorable invoices
Lengthy forms and inputs
Difficult-to-use apps
Automatic invoicing
One-step invoice creation
Invoice management
Broker management
Reconciliation
Compare Outgo

2.0%

Max rate

Your ways to save
1.0% factoring on Outgo Card Purchases
1.0% factoring when you wait
When you choose to factor, you're charged an industry-low factoring fee, but if you decide not to factor, at Day 30 your rate drops to 1.0%.
Parachute
Risk Free
No annual contracts and no cancellation fees
Difference
Flexible
No reserve and no minimum fees
Shield
Non-recourse
Your business is protected if a broker goes bankrupt
Fees
Fees
Transfer fees
Instant •
Fastest
Any day and time of the week
1.0% fee • Max $20.00
Same or next day • Wire Transfer
Except on weekends or holidays
$20.00
1-3 days • ACH Transfer
Except on weekends or holidays
Free
Card fees
In-network ATM fee
Free
Domestic transaction fee
Free
Out-of-network ATM fee
$2.50
International transaction fee
1.0%
Factoring is outdated, we do so much more
Other companies
Rate
2-5% Fixed rate
2.0%
Max rate
Smart factoring
N/A
Reduce your rate to 1.0%
On purchases with the Outgo Card When you wait till Day 30
On-demand factoring
Factor what you need, when you need it – at the lowest rate possible, guaranteed.
Outgo Debit Card
N/A
Instant access to funds
Payout speeds
1-2 day funding
Four hours or less
Flexible contracts
Lengthy contracts and cancellation fees
Minimum fees
Reserves
No annual contracts or cancellation fees
No minimum fees
No reserves
Broker bankruptcy protections
No protections
Non-recourse so your business is protected
End-to-end invoicing
Only factorable invoices
Lengthy forms and inputs
Difficult-to-use apps
Automatic invoicing
One-step invoice creation
Invoice management
Broker management
Reconciliation
Compare Outgo

Contact us for your custom rate

Your ways to save
1.0% factoring on Outgo Card Purchases
1.0% factoring when you wait
When you choose to factor, you're charged an industry-low factoring fee, but if you decide not to factor, at Day 30 your rate drops to 1.0%.
Parachute
Risk Free
No annual contracts and no cancellation fees
Difference
Flexible
No reserve and no minimum fees
Shield
Non-recourse
Your business is protected if a broker goes bankrupt
Fees
Transfer fees
Instant •
Fastest
Any day and time of the week
1.0% fee • Max $20.00
Same or next day • Wire Transfer
Except on weekends or holidays
$20.00
1-3 days • ACH Transfer
Except on weekends or holidays
Free
Card fees
In-network ATM fee
Free
Domestic transaction fee
Free
Out-of-network ATM fee
$2.50
International transaction fee
1.0%
Factoring is outdated, we do so much more
Other companies
Rate
2-5% Fixed rate
Custom rate under 2.0%
Smart factoring
N/A
Reduce your rate to 1.0%
On purchases with the Outgo Card or when you wait till Day 30
On-demand factoring
Factor what you need, when you need it – at the lowest rate possible, guaranteed.
Outgo Debit Card
N/A
Instant access to funds
Payout speeds
1-2 day funding
Four hours or less
Flexible contracts
Lengthy contracts and cancellation fees
Minimum fees
Reserves
No annual contracts or cancellation fees
No minimum fees
No reserves
Broker bankruptcy protections
No protections
Non-recourse so your business is protected
End-to-end invoicing
Only factorable invoices
Lengthy forms and inputs
Difficult-to-use apps
Automatic invoicing
One-step invoice creation
Invoice management
Broker management
Reconciliation
Compare Outgo

FAQs

What Outgo Card transactions qualify for 1.0% factoring?
Check
Any purchase with your Outgo Card.
Learn more

Drop your factoring rate to 1.0% on Outgo Card purchases and save on every purchase.

How fast can you factor?
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25% of invoices get paid in 15 minutes.
Learn more

We review and process payments within 4 hours of invoice upload, 50% of invoices get paid in 90 minutes or less.

How do I qualify for 1.0% factoring on day 30?
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All you have to do is wait!
Learn more

When you choose to factor, you're charged an industry-low factoring fee – your max rate, but if you decide not to factor, at Day 30 your rate drops to 1.0%.

What happens if my invoicing volume changes?
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We review invoicing volume quarterly.
Learn more

Every quarter we will be evaluating if the current tier is still applicable to your business.

Movement of tiers will never occur without an Outgo representative connecting with you for further discussion about your current max rate. We understand that businesses evolve over time; it's important to note that this assessment does not guarantee increase or decrease in your max rate. We are always willing to discuss business challenges and work together, as partners, to find the best solution.

How easy is it to cancel my plan?
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Our agreements are flexible. We don’t require annual contracts.
Learn more

You may cancel our agreement at any time and we require a 14-day notice. To cancel, you’ll need to either buy out any invoices that we’ve processed on your behalf, or work with another factoring company to buy them out.

We will work with any factoring company to make your transition as easy as possible. We’ll even help you review your new contract with them. We’re always looking out for you, even if you decide to cancel your account with Outgo.

Cards
Get the platform built so you factor less
With Outgo, factoring fees are charged when you spend – so you can save with every transaction.
Outgo card fees
ATM
In Network
Free
Out of Network
$2.50
TRANSACTIONS
Domestic
Free
International
1%
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Get fast funds
We review and process payments within 4 hours of invoice upload.
50% of invoices get paid in 90 minutes or less and half of those are paid within 15 minutes.
Four hours or less funding qualifications
Check
Broker is approved for factoring
Check
Documents are submitted before 3pm EST / 12pm PST
Check
You’ve previously worked with this broker on the Outgo platform
Check
If a rate verification is not required
Certain invoices require payment confirmation directly from the broker.
Within 2 business days
Approved brokers you haven’t worked with previously on the Outgo platform or if a rate verification is required.
If the broker isn’t approved or the invoice isn’t eligible for factoring, funds will be deposited in your Checking account when the invoice is paid by the broker.
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Get started with Outgo
Shield
We use these details to contact you.
Shield
Get a tailored experience
This information helps create a tailored recommendation for your business.
What do you mean by banking?
shield
Your FDIC Insured business bank account is provided by our banking partner Blue Ridge Bank.
How much is insured?
Funds in this account are insured up to $250,000.
What does FDIC stand for?
FDIC Stands for Federal Deposit Insurance Corporation
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