Working capital
Cash against invoices that are still outstanding.
When the work is done and the invoice is out, Lenz can advance a share of that receivable. The invoice remains the invoice. The advance is working capital, repaid when the buyer settles.
Working capital
Advanceable ₦20.1M
INV-2041 · Aurora Retail
Eligible12 days overdue
₦14,720,000 of ₦18,400,000
INV-2044 · Halcyon Media
Eligibledue in 8 days
₦5,400,000 of ₦6,750,000
INV-2036 · Nomad Commerce
Not yetdraft — not issued
— of ₦3,100,000
Advance against INV-2041 · 80% of face.
The invoice stays on the books. Settlement first repays the advance. Nothing is rewritten as cash until it is.
Review advance →
Backed by the invoice
Only issued, eligible invoices can fund an advance.
Drafts, disputed lines, and invoices without a buyer history stay out. Lenz uses the same receivable it already watches for collection — there is no second set of books.
How the facility works
An advance is not a sale, and it is not settled cash.
The face amount stays on the receivable. Fees and the advanceable share are shown before you authorize. When the buyer pays, settlement closes the facility first. History is never rewritten to look like the customer already paid.
- 01
Issue the invoice in Lenz
- 02
Lenz scores eligibility from buyer history and invoice state
- 03
Review the advance, fee, and repayment from settlement
- 04
Authorize the facility through company policy
- 05
Cash arrives in the operating account as an advance — not as settled sales
- 06
When the buyer pays, settlement first closes the advance
On the same loop
Issue, collect, or advance — one invoice.
Working capital sits on top of invoicing and Get paid. You can still follow up. You can still match the inflow. The forecast shows the advance as funding, and the receivable as outstanding, until settlement closes both.
Advances are a partner facility, subject to eligibility and approval. Fees appear before you authorize.
Stop waiting on invoices you have already earned.
Open a free workspace and experience a clearer way to understand, manage, and move company money.
It costs nothing to try. Banking activation is subject to company verification and partner approval.