Cash Flow Management

B2B Cash Flow Management

Eliminate Cash Flow concerns and Accounts Receivable costs.

How we manage your cash flow

At Apruve, we set out to do more than just help manage cash flows, our service set out to eliminate the issue of the entire credit program. Our cloud platform plugs into your current software to take in your customer order information. The instant an order is captured, Apruve pays your business in 24 hours. Turning what would have been an Accounting decision to add to receivables now immediately turns into cash.

With more cash on hand, managing cash flow, expenses and liabilities becomes a much more simplistic procedure and your business increases its liquidity.

Apruve does more than help business cash flow, we help streamline your entire cash application process. Through our state-of-art credit network we manage all of your credit accounts, handling all invoicing, collections, credit limits and the financial risks.

Here is how it works:

Your company plug’s into the Apruve credit network. When your customers buy from your website or make an offline order for the first time, their data is entered into our platform and they are approved for a line of credit in just 60 seconds. After each transaction is complete and your company ships the purchased items, one of the banks in the credit network send you a check for the price of your customer’s purchase. Your customer will be automatically emailed their invoices and offered numerous payment methods online in which they can then pay the bank. Making collecting from your customers no longer a worry, and giving your customers an easy way to keep track of their purchases.

Apruve is revolutionizing the way businesses buy from each other. Apruve makes extending a revolving line of credit as easy and risk free as accepting a credit card.

Download Our Free White Paper
Unlocking Hidden Value in Business Credit Operations

See what your Credit Processes are missing and why it could be costing you thousands!

Product Features

  • Fast credit approvals
  • Customer Dashboard
  • Supplier Dashboard
  • Suppliers paid in 24 hours
  • Determine your own payment terms
  • Online & offline Ordering
  • Automating Invoicing, collections, and Account Management

Product Benefits

  • 40% Deduction in AR Costs
  • 30-40% Increase in Online Customer Sales
  • 1 Days Sales Outstanding
  • 0 Financial Risk


When you make the move to Apruve, we make the on-boarding experience as easy and seamless as possible for all parties involved.

Credit Management

Design the credit program that works for you – your terms, your brand. Everything is custom designed with you in mind.

Invoice Financing

We take on the risk and invoicing while you offer credit and terms to your customers. You are paid within 24 hours of a shipment.

Account Management

We will send invoices, emails and statements on your behalf – freeing up your time, while giving you access to everything in the cloud.

We handle the details of your B2B credit management program so you can focus on growing your business.

Frequently Asked Questions

Q: Our company usually has a lot of outstanding AR but our customers usually pay, with interest, how would this save money?

A. When making interest on a receivable, it can be tough to see the benefits of getting cash instead. Although, as a receivable get more past due, the higher chances of default:

  • 26% of invoices 3 months old are uncollectible
  • 70% of invoices 6 months old are uncollectible
  • 90% of invoices 12 months old are uncollectible

Beyond defaults, our program also offers a variety of benefits. When you have more more cash on hand, you have the ability to spend it. For example, paying your liabilities in 10 days of invoice commonly saves you 2% on purchases, if you have more cash on hand, these activities are far more possible. Also it allows your business to buy more inventory to quickly start revenue driving processes. Lastly, when your Account Receivable is managed by Apruve, there is minimal need for personnel to keep track of it. Allowing your business to move employees into more revenue driving roles.

Q: If our customers always pay on time, how would Apruve help?

A: Although you may get the cash flowing in 61 days (average DSO) after purchase there are a lot expenses within those days. First the opportunity cost, think about how that money could be spent if your business had that cash to manage, would it go into revenue driving activities that would create a larger ROI than just its current worth? Secondly, getting cash from your customers is not free. It takes collection and account management activities that are handled by a team of Account Receivable, as your accounts receivable grows, so does your team and expenses, but not with Apruve. Apruve offers a scalable platform that outsources your Accounts Receivable to help your business grow.

Reduce Your Paper-Based Processes

Credit applications, end-of-month statements, invoices, and payments have been digitized, bringing your credit program into the cloud.

Design Your Own Credit Program

Your Terms

You dictate the credit terms set for your customers. Our most popular program works like your credit card: Apruve consolidates all customer orders made in a calendar month and sends a single invoice for payment due on the 15th of the following month.

Your Brand

We realize that your brand is important, and that’s why it will be on the forefront of every piece of material sent out, Apruve is just the moderator for those materials. Send us your logo and we will take care of the rest.

It’s All About the Data

Apruve gives you the tools to monitor the pulse on your overall credit program or an individual account.
Our dashboard offers an easy-to-understand view of your customers and financials.

Reduce Your Days Sales Outstanding (DSO)

Apruve pays your invoices within 24 hours from when an item ships, increasing your cash flow immediately.