You owe creators today. Your budget clears in 90 days.
Generate an invoice with Breakr and we factor it on our own rails - the funds land in your wallet and your creators are paid instantly, by your team or by Ella, Breakr’s AI agent, on your behalf. Not a loan: one factored invoice, between you and Breakr, settled on net terms.
We finance the payer. The payee just gets paid.
Traditional factoring buys your vendors' receivables: your creators still wait, someone still chases an invoice, and the discount comes out of their side. Breakr flips it - we underwrite you , and there's never a receivable to sell. And to be precise about what this is: BreakrPay is invoice factoring. Each advance is an invoice between you and Breakr, factored on our own rails - not a loan, not a line of credit.
- Creator posts the work, then waits 30–90 days
- Creator sells their invoice at a discount to get paid sooner
- Someone chases the invoice between you and every creator
- Financing bolted on, reconciled by hand at month-end
- You're underwritten once; each advance is a Breakr invoice, factored on our rails into your wallet
- Creators are paid in full, instantly, on approval
- One invoice in the whole system - between you and Breakr
- Financing on the same ledger as the spend - reconciliation is automatic
Factor, pay, settle - without leaving the ledger
The order is the point: the capital comes before the campaign, so you never front a launch out of pocket.
- 1Get underwrittenConnect your bank and get a decision in minutes.
- 2Factor an invoiceAn invoice is generated with Breakr and factored on our rails - the funds land in your wallet, ready to spend.
- 3Pay creators instantlyYour team clicks approve - or Ella runs the payouts on your behalf, under your approval rules.
- 4Settle the factored invoiceOn net terms, from your wallet, with the fee shown up front.
Campaigns tied to invoices. Invoices tied to capital.
Every campaign spends from the wallet. Every offer reserves its price in escrow. Every approval releases a payout, and every payout lands on your Breakr invoice automatically. Because the financing and the spend live on the same ledger, reconciliation isn't a monthly project - it's already done.
Factored in dollars. Work in your currency. Pay in theirs.
Your wallet, campaigns, and reports display in the currency you actually work in - and each creator is paid in theirs, with the conversion visible on every ledger line.
Invoicing that clears enterprise AP
Line-item editing and consolidated invoices, built for procurement portals that reject on structure. Your finance team stops re-keying.
Fee transparency
Choose who bears the platform fee - deducted from the payout, or accrued and invoiced to you monthly. Every offer keeps a snapshot of the rate it was made under.
Wire, card, or capital
Three ways to fund the wallet - one ledger recording all of them, with every hold and release timestamped.
Payer-side financing, answered
What it is, what it costs, and what your creators see.
Still have questions?
Contact UsNo. BreakrPay is invoice factoring - an invoice is generated between you and Breakr and factored on our own rails. You're not taking on debt or a credit product; you're settling a factored invoice on net terms, with the fee shown up front.
Breakr. Your creators and agencies are paid directly from your wallet - there's no invoice between you and them to manage at all. The one invoice in the system is between you and Breakr, settled on net terms.
No. They just get paid - instantly and in full. The financing sits entirely between you and Breakr.
Minutes, for most applications. Connect your bank, and underwriting runs while you finish your coffee.
Yes - Ella, Breakr’s AI agent, runs them on your behalf, under your approval rules. Ella prepares and executes what you've authorized; nothing moves outside the rules you set.
Funds arrive in USD, your whole workspace runs in your working currency, and each creator is paid in theirs. Conversions are recorded on the ledger, line by line.
You settle the factored invoice on net terms, from your wallet, on the same ledger that tracked the spend. You can see exactly which campaigns it covers.
Never front a campaign out of pocket again.
Get underwritten in minutes, and pay your creators the moment the work is approved.
Request a Demo