01
1–2 days
Typical settlement
B2B distributors · $2M–$25M
Lower card fees. Get paid in 1–2 business days.
Keep more of every card sale. Funds typically arrive in 1–2 business days. If invoices still sit on 30–60 day terms, we fund it.
Cash tied up in unpaid invoices
DSO 45→32
$299,178
On $8,400,000 of sales, collecting 13 days sooner can release this amount. Estimate only.
- Clients save up to
- 1.5%
- Typical settlement
- 1–2 days
You filled the order. They still have your money.
Why Novaline
Built around getting paid
For wholesale businesses doing $2M–$25M.
02
Up to 1.5%
Clients save on the card fee
03
Within days
Approved invoices
04
Same terms
Customers pay as they do
The problem
The card fee. The long wait. The stock you already paid for.
Three places the cash usually gets stuck after the order is filled.
Fees
A 2.9% card fee on a $40,000 invoice costs $1,160. Saving up to 1.5% puts as much as $600 back. The customer still pays the same price.
Time
The order left the dock. The customer still has 30 to 60 days before they pay. Until then, that cash sits in their account.
Capital
Inventory has to be paid before the invoice comes back. The cash is already in the business. It is tied up in stock and in bills that have not been collected.
Start here
Lower the fee. Then decide if you still need cash.
Payment processing is the first step. Customers keep their payment terms. You keep more of each card sale. Add funding only if the numbers support it.
Inside the tools you already use
Accept payments in the system you already run.
Works inside more than 100 business systems. That includes QuickBooks, SAP, Acumatica, NetSuite, Microsoft Dynamics, Magento, BigCommerce, and Salesforce, plus Sage. The payment posts to the same invoice.
No hidden fees
No unnecessary authorization costs.
Flat rate options
Pay the same percentage each month, no matter which card types you accept.
QuickBooks
Accounting
SAP
ERP
Acumatica
ERP
NetSuite
ERP
Microsoft Dynamics
ERP
Salesforce
CRM
Magento
eCommerce
BigCommerce
eCommerce
Plus Sage, Xero, Epicor, and the rest of 100+ business systems.
Distributors in Windsor, Ontario and Detroit, Michigan can start on the local pages. The offer is the same.
If cash is still tight
Fund the invoice, the inventory, or the order.
Use these when card payments still leave a cash gap. Customers can keep the same payment terms.
How it connects
From the audit to the next order.
One path. See what you pay, take payment in the system you already run, fund the invoices that still wait, keep the savings, and put the cash back into the business.
01 · Audit
See what you actually pay.
Send a recent card statement. In three business days you get a written finding: the fee you pay now, and whether a change is worth it. Free, and you can stop there.
Open the fee calculatorStatement review
3 business days
- Interchange
- Assessments
- Downgrades
- Card mix
Written finding. You can stop here.
Cash cycle
The invoice does not have to wait with the customer.
Terms help you win the sale. They do not have to be your cash plan. Your customer does not have to change how they pay.
Today
Cash follows the due date
- 01
Invoice sent
Net 30–60
- 02
Wait on terms
Often about 45 days
- 03
Cash arrives
45 days later
With Novaline
Cash follows the invoice
- 01
Invoice sent
Same file, same customer terms
- 02
You get paid
1–2 business days, or an advance
- 03
Cash in the bank
Their payment process stays the same
Same invoice. Different clock.
How it works
Four steps. You can stop after the fee audit.
Send a recent statement. In three business days you see what you pay and what you could keep. Add funding only if you need it.
01
Audit
Send a recent processing statement. In three business days we return what you pay today, and what you could keep.
02
Optimize
We reduce what you pay to accept cards. Customer prices stay the same. Funds typically arrive in 1–2 business days.
03
Fund
If cash is still tight, we can fund approved invoices, a line backed by unpaid invoices and stock, or a large order before your customer pays.
04
Monitor
We stay with you so payment timing and cash do not slip. You get a clear picture each month.
Industries
Built for businesses that invoice on terms.
House accounts, job bills, busy seasons, fleet terms, and business cards. Each one ties up cash in a different way.
Windsor and Detroit
The same review on both sides of the bridge.
Distributors and carriers in Windsor, Essex County, Detroit, and the towns around them send a statement or a freight bill. A local office is not required.
Windsor and Essex County
Automotive parts, greenhouse supply, and industrial distribution. Carriers on the Ambassador Bridge and the Detroit–Windsor tunnel use the same invoice review.
- Windsor
- LaSalle
- Tecumseh
- Leamington
- Kingsville
Detroit and the towns around it
Parts and industrial suppliers in Wayne, Oakland, and Macomb counties. The plant still pays on terms. The statement shows what the card fee cost.
- Detroit
- Dearborn
- Warren
- Livonia
- Auburn Hills
Before you book
The questions we get asked first.
Who is Novaline built for?
Owners and finance leads at B2B distributors and suppliers. Sales are usually $2M–$25M a year. We see this most in industrial supply, building materials, electrical, plumbing, HVAC, auto and truck parts, packaging, janitorial, and medical or dental supply.
Do you replace our bank, accounting system, or collections team?
No. Your bank, books, and collections team stay. We lower what you pay to take cards, speed up when the money arrives, and fund invoices that stay on the customer’s terms.
How is this different from a factor?
A typical factor buys your invoices and often takes over collections. We do three jobs. We get you paid faster when a card can pay now. We lower the card fee. We fund invoices that should stay on the customer’s terms. You keep collecting unless you ask us to take that over.
What does it cost?
The fee review is free. After that, you pay only for what you use. That can be lower card fees, invoice factoring, asset-based lending, or purchase order financing. You see the numbers in writing before you go ahead. The tools on this site are examples, not quotes.