Early pay, explained
If you’re new to early pay, you’re in the right place. This is our education hub, built for SMBs and founders who want to understand how it works before they sign anything.
What is OneAM early pay?
Early pay is a simple idea with a long history. When your business sends an invoice to a customer, you usually wait 30, 60, or even 90 days to get paid. Early pay lets you get the cash now — from an institutional investor who pays the invoice early. Your customer still pays on their normal schedule. You skip the wait.
It's not a loan. You're not borrowing money — you're getting paid earlier on revenue you've already earned. There's no debt on your balance sheet and no equity given up.
It's not traditional factoring either. Factoring has been around for over a thousand years, but the factor experience can be slow, expensive, and intrusive. OneAM rebuilt it with modern infrastructure, transparent pricing, and zero customer disruption.
Frequently asked questions
The basics
What is OneAM Early Pay?
Early pay lets you get paid on your invoices now, instead of waiting 30, 60, or 90 days for your customer to pay. An institutional investor advances you the cash, and your customer pays on their normal schedule.
What is invoice / receivables financing?
Invoice / receivables financing is another term for early pay. It's the broad category of products that let businesses get paid earlier on outstanding invoices.
Is this a loan?
No. You are not borrowing money. You are getting paid earlier on revenue you've already earned. There is no debt on your balance sheet.
Is this dilutive?
No. Early pay does not involve giving up any equity in your business. Your cap table is untouched.
How OneAM works
How is OneAM different from a traditional factor?
Traditional factors can be slow, expensive, and disruptive — they often take over your customer relationships. OneAM is built on modern infrastructure with quantitative risk assessment, transparent pricing, and zero customer disruption.
How fast can I get funded?
Onboarding takes about 15 minutes. Most businesses receive their first funding offers within days of completing onboarding.
Do I have to fund all my invoices?
No. You choose which invoices to fund and when. OneAM is designed to be flexible — use it strategically, not as a rigid commitment.
What does it cost?
Pricing is transparent and quoted upfront on each invoice. There are no hidden fees and no commitments — you only pay when you choose to fund an invoice.
Are there minimums or commitments?
No. There are no monthly minimums, no long-term contracts, and no penalties for using OneAM occasionally instead of constantly.
Does OneAM require personal guarantees?
No.
Whom it's for
What size businesses does OneAM work with?
OneAM is built for small and midsize businesses and founders that invoice large enterprise customers or government entities. Contact us to learn if your business would be a good fit.
What industries does OneAM work with?
Every industry. OneAM is industry-agnostic. We've funded businesses in manufacturing, energy, government contracting, creative services, retail, and many more.
Do I need a minimum revenue?
There is no hard minimum. The most important thing we look at is the quality of your invoices and the customers paying them.
What kind of customers do I need to qualify?
OneAM works best for businesses that invoice large, creditworthy customers — typically enterprise companies, government agencies, or established institutional buyers.
Trust & security
Who funds the invoices?
Sophisticated institutional investors who participate on the OneAM platform.
How is my data protected?
OneAM uses bank-grade security and encryption. We do not share your information with anyone outside the platform without your permission.
Who is behind OneAM?
OneAM is a New York-based company founded by Ksusha McCormick and Charlotte Ng. See the team page for more information. OneAM is backed by TTV Capital, an Atlanta-based venture capital firm with a 25-year track record of success in fintech investing.
Still have questions?
Book a 15-minute demo and we’ll walk you through everything.
