Already Paid.
Eligible suppliers, partners, producers, haulers, and vendors can choose earlier payment. The payer keeps the normal due date.
Verified Underwritten Offered Funded RepaidExplore early paymentWorking capital infrastructure for B2B platforms
Turn verified B2B transactions into working capital.
Your platform confirms the transaction. Already runs underwriting, funding, and program operations behind the scenes, while you keep the customer relationship.
The transaction is already real.Already designs the financing around it.
Illustrative program / 0184 Partner-led experience
Verified transaction$184,250.00
Your platform Already program
01Platform confirmsVerified
02Already underwritesApproved
03Customer choosesOptional
Program outcomeSeller or vendor paid
Platform funds $0Illustrative only. Eligibility and terms depend on underwriting and program criteria.
Approved invoicesValidated claimsCompleted deliveriesAccepted milestonesFinalized payables
01
Two products
Move payment timing.
Keep the workflow.
Two embedded products. One program behind both.
Already Ordered.
Eligible business buyers get more time to pay while the supplier is paid through the program after fulfillment.
Verified Underwritten Offered Funded RepaidExplore buyer termsOffers are optional and available only to eligible business customers. Pricing, timing, and limits depend on program and underwriting criteria.
02
Partner value
Add working capital without becoming the lender.
You keep the customer. Already runs the program.
Evaluate a workflowGive customers more flexibility
Eligible customers can get paid sooner or receive approved payment terms inside the product they already use.
Create a new revenue stream
Your platform can participate in program economics based on the structure agreed for the partnership.
Keep the customer relationship
The experience stays in your brand, product, and workflow. Already operates behind the scenes.
Use no platform balance sheet
Funding comes through the program. Your platform does not advance capital or hold the financing exposure.
Owns the customer experience.
Your brand, product, workflow, and transaction data stay at the center of the relationship.
Runs the working capital program.
Program design, underwriting, funding, operations, monitoring, and reporting happen behind the scenes.
03
How it works
One embedded offer.
Five simple steps.
Underwriting and funding stay behind the scenes. Your customer sees a clear, optional offer inside the product they already use.
- 01Verified
Your platform confirms the transaction.
The agreed event and transaction data come directly from the workflow your customer already uses.
- 02Underwritten
Already evaluates the opportunity.
Already assesses the payer and transaction against the program's agreed credit policy.
- 03Offered
The customer sees a simple choice.
An eligible customer can review an optional offer inside your product and decide whether to use it.
- 04Funded
The program pays the seller or vendor.
Funding is handled through the Already program. Your platform does not advance its own capital.
- 05Repaid
The payer repays on the agreed date.
Already manages the program operations, monitoring, and reporting behind the scenes.
Your platform verifies the transaction.Already underwrites and runs the program.The customer chooses.
04
Path to launch
Start with one workflow. Expand after performance is proven.
A controlled path from idea to pilot.
Choose one workflow.
Map the qualifying event, customer need, transaction data, payer, and payment path.
Design the program.
Define eligibility, underwriting policy, limits, funding, economics, and integration scope.
Start with a controlled pilot.
Go live with a defined cohort and clear limits, then expand after performance is proven.
OutcomeA controlled pilot with clear limits and success measures.
already.finance
Let's evaluate one workflow together.
In a 30-minute working session, we will identify the verified event, payer, required data, underwriting criteria, funding flow, and next steps.
Request a workflow review