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Invoice Advance is your most powerful financial tool. You have an invoice outstanding. Your client is reliable. You need the cash today — not in 30 days. Monaris advances up to 90% of the invoice value immediately. When your client pays, everything settles automatically. This is invoice factoring — but instant, Score-based, and stablecoin-native.

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Who it is for

Freelancers and contractors waiting on invoice payments who need working capital now. Small businesses bridging cashflow gaps between large client payments. Anyone with a proven track record of cleared invoices who wants liquidity without taking on traditional debt.

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How it works

You have a $5,000 invoice from a verified client — due in 30 days
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Tap "Advance This Invoice" in Monaris
MCA checks Score (700+ required) and client reliability automatically.
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Monaris advances $4,500 (90%) immediately in USDC
Fee: 2–3% ($100–150)
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You receive $4,500 today
Client pays their invoice normally in 30 days as if nothing happened
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Client pays $5,000 to Monaris
Monaris releases the remaining $500 to you
Advance closed. Score updates positively.
Your client does not know you took an advance. They pay their invoice normally on the due date. Nothing changes for them.

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Why 90% and not 100%

The 10% held back is protection. If the client pays slightly less or slightly late, the buffer covers it. When everything clears cleanly — and it usually does — you get the remaining 10% immediately.

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Eligibility

  • Monaris Score 700+ required
  • 90 days of verified cashflow history
  • The invoice must be from a verified client with a positive payment history
  • Client reliability is checked automatically — the MCA uses your counterparty data and any connected off-chain sources to assess the likelihood of on-time payment

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Fees

The advance fee is 2–3% of the invoice value, depending on client reliability and your Score tier. No hidden charges. The fee is disclosed before you confirm.

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What Mona does here

“Your invoice to Client A qualifies for an advance. You could have 4,500inyourwalletinthenext10minutes.Fee:4,500 in your wallet in the next 10 minutes. Fee: 120. Want to see the full terms?”
“Client A paid their invoice. Your advance is settled. The remaining $500 has been released to your wallet.”

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Availability

Invoice Advance is available in V2 for users with a Monaris Score of 700+ and qualifying cashflow history.
Monaris Credit and BNPL products are subject to eligibility requirements including minimum Monaris Score, verified cashflow history, and transaction volume thresholds. Credit products involve risk. This documentation is informational only and does not constitute financial or legal advice. Product availability varies by jurisdiction.

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FAQ

What happens if my client does not pay? If the client does not pay the invoice, the advance enters the standard repayment process. Monaris works with you to create a recovery plan. The 10% buffer provides initial protection. Can I advance multiple invoices at once? Yes, subject to your total credit limit based on your Score tier. Does taking an advance affect my Score? Successfully completing an advance (client pays, advance settles) improves your Score. An advance that enters recovery affects your Score negatively. Does my client know I took an advance? No. The client pays their invoice normally. The advance is between you and Monaris.