Turn unpaid invoices into instant momentum
Factoring shouldn't be a negotiation. Submit an invoice, compare offers from a vetted network of funding partners, and get paid — without the paperwork maze.
From invoice to capital,
without the friction.
You upload an invoice. Keepflow puts it in front of a vetted network of funding partners and lets them compete. You pick the offer that works — the advance lands, the rest is held in reserve, and you stay in control the entire way.
Add your invoices
Upload invoices manually, or connect QuickBooks or Xero to sync automatically — your choice. Either way, Keepflow structures everything for you, with no extra data entry.
Get matched to the best offer
Our matching engine routes each invoice across our vetted lender network and surfaces the strongest funding offers — side by side, transparently.
Get funded — then repeat faster
Accept an offer and get funded quickly. Your data and history persist, so the next invoice flows through even faster than the last.
Built for the way modern businesses actually run.
The ambitionEvery invoice, every offer, one calm view of your capital.
Funding partners compete for your invoices — not the other way around.
Factor what you need, when you need it. No bundles, no lock-in.
See your cash flow before it happens, and act before it tightens.
One command center for
your cash flow.
Factoring is the core. Keepflow surrounds it with the cash flow visibility and invoice intelligence you need to factor the right invoices, at the right time.
See your cash flow before it happens
Project your cash position weeks ahead so you can plan with confidence. Keepflow turns your invoice data into a clear, forward-looking view of money in and money out.
Know which invoices are worth factoring
Every invoice gets a factorability score based on debtor strength, age, and amount. Fund the invoices that make the most sense, on your terms.
Financing that moves with your invoices
Factoring isn't a loan. It's selling an invoice you've already earned. Here's how it compares.
We started Keepflow after watching too many strong businesses stall — not because they lacked customers, but because their cash was trapped in invoices that wouldn't pay for 30, 60, sometimes 90 days. The work was done. The money was owed. It just hadn't arrived.
Factoring has existed for decades, but it's been opaque and fragmented — a maze of brokers, paperwork, and terms that favor the lender. We built Keepflow to flip that: one place to see your invoices clearly, get matched to competitive offers from a vetted network of funding partners, and move on your terms. No debt piled on your balance sheet, no surprises. Just your money, sooner — and the momentum to keep going.
— The Keepflow team
A small team that lived this problem
We've been the business owners waiting on invoices. Keepflow is the tool we wished we'd had — straightforward, transparent, and built to get out of your way.
Questions, answered
One integration. A vetted network of funding partners competing for your invoices — so you get the strongest offer, not just the first one.
Capital moves fast.
Trust doesn't have to.
Security from day one. Your data is encrypted, isolated, and never sold.
Get early access
Be first in line at launch. Early partners help shape the product and get a head start.