Working capital when you need it.
Zero subscription fee.
Encarmo Capital provides fast invoice financing, flexible working capital lines, and corporate spend cards — automatically underwritten live from your real-time accounting ledger. No monthly fee. No stacks of paperwork. You only pay a transparent fee when you draw funds, and repayments settle automatically as your customers pay.
Your business is growing.
Your cash is trapped in 60-day unpaid invoices.
When you land big contracts, you deliver the work upfront, but wait 30, 60, or 90 days for payment. In the meantime, payroll, supplier invoices, and inventory purchases can’t wait. Traditional bank loans take weeks of paperwork, tax returns, and personal asset guarantees. Meanwhile, traditional factoring companies charge punitive hidden fees and call your clients directly, damaging your commercial relationships.
Because Encarmo is your accounting and invoicing system, we already know your revenue, your client payment history, and your ledger health. That means instant qualification with no paperwork and fair, transparent take-rate pricing.
Businesses using Encarmo Capital bridge an average of 42 days in cashflow gap — growing revenue 2.4x faster by seizing large client opportunities without working capital bottlenecks.
Four simple steps. From unpaid invoice to cash in your bank.
No credit application queues. No waiting for a loan officer. Here's how working capital works with Encarmo.
Run your books on Encarmo
Use free Accounting and Invoicing. As you issue invoices, receive payments, and reconcile transactions, your capital qualification score updates continuously in the background.
Select an invoice to advance
View your outstanding invoices. Choose which verified invoice you want to advance, or draw from your revolving working capital line with a single click.
Funds deposited immediately
Funds are sent directly to your linked business bank account. The transaction is automatically logged in your accounting ledger under liabilities.
Auto-repay as clients pay
When your customer pays the invoice via your standard Encarmo payment link or bank transfer, the advance is cleared, the remaining balance is released, and your books balance automatically.
Flexible capital options — built for modern growing businesses.
No recurring monthly platform fees. Only pay when you draw capital.
Invoice Factoring & Advance
Unlock up to 90% of unpaid invoices immediately. Ideal for B2B agencies, consultancies, and manufacturers with 30–90 day payment terms.
Revolving Working Capital Line
A flexible credit facility you can draw and repay on demand to cover inventory, bulk orders, or payroll spikes during rapid expansion.
Corporate Spend Cards
Issue physical and virtual Visa cards for team members with customizable spending limits and real-time expense categorization directly into your ledger.
Revenue-Based Growth Financing
Fuel marketing and hiring with growth capital repaid as a fixed percentage of your daily or weekly sales, adapting automatically to your seasonality.
Real-Time Cashflow Forecasting
AI-driven cashflow projection combines expected invoice due dates, scheduled payroll, and recurring vendor expenses to warn you before a crunch occurs.
Automated Ledger Reconciliation
Every capital advance, fee deduction, and customer repayment creates matching double-entry journal entries in real time, keeping your CPA and books happy.
Capital powered by your live ledger — the unfair advantage.
Because Encarmo is the source of truth for your sales, invoices, payroll, and banking, we can underwrite risk with unmatched precision — passing the savings and speed to you.
Capital + Invoicing
Every invoice created in Encarmo is verified in real time. You can advance funds on any approved invoice with one tap. When the customer pays, the loan is extinguished automatically.
Capital + Accounting
Capital draws, fee withholdings, and client repayments post directly to your double-entry ledger. Your balance sheet and cashflow statements update instantaneously.
Capital + Payroll
Never miss payroll during a client payment delay. Draw a short-term payroll advance directly from your capital buffer to bridge cashflow without stress.
Capital + Reports & Analytics
See your effective cost of capital, receivables aging breakdown, and future liquidity forecasts directly in your unified executive dashboard.
What founders say about Encarmo Capital
Verified reviews from businesses that scaled cashflow without debt traps or bank friction.
“We landed a $65k corporate branding contract, but their procurement terms were Net 60. As a small studio, we couldn’t wait two months to pay our contractors. With Encarmo Capital, we advanced 85% on day one. When the client paid on day 58, the advance cleared automatically. It saved our cashflow without any paperwork.”
“Traditional banks asked for 2 years of audited statements, tax returns, and a personal guarantee on my home just for a $30k overdraft line. Encarmo approved a $50k working capital line instantly because they could see our live ledger health. It’s night and day.”
“What I love is the transparency. No monthly subscription fee, no annual lock-ins. If I don’t need funds this month, I pay $0. When a supplier offers a 10% bulk discount, I draw on my capital line, grab the discount, and pay it off as invoices clear.”
How Encarmo compares to traditional financing
| Feature | Encarmo Capital | Traditional Bank Loan | Third-Party Factoring |
|---|---|---|---|
| Time to Underwrite | Instant (via Live Ledger) | 3 to 6 weeks | 3 to 7 business days |
| Monthly Platform Fee | $0 / month | $25–$100 / month facility fee | Monthly minimum fees |
| Personal Guarantees | None required | Personal assets / property lien | Varies / Often required |
| Client Confidentiality | 100% Confidential | Confidential | Calls your clients directly |
| Ledger Accounting Sync | Automatic real-time reconciliation | Manual bookkeeping required | Manual journal entries |
Questions about Encarmo Capital
How does Encarmo determine my business capital limit?
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Is there any recurring monthly charge for having Capital active?
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Will my clients know I am advancing their invoices?
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How quickly are funds deposited after requesting an advance?
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Your capital.
Always flexible. Always on your terms.
Unlock non-dilutive working capital and instant invoice advances directly from your live ledger. No lengthy loan applications, hidden compound interest, or personal guarantees.
Start with free accounting and invoicing today, and access instantaneous growth capital whenever your business needs a boost.