Get paid the day you invoice.
Not 60 days later.
Advance up to 85% of your unpaid invoices — cash in your account in 24 hours. You set the rate, and total fees start at 3%.
Three steps. Zero waiting.
Upload your invoice
Connect an unpaid invoice from any brand or client. Approval is based on your work and who owes you — never your credit score.
Choose your advance, get funded
Pick anywhere from 30% to 85% of the invoice and it lands in your Bump account within 24 hours. Take a smaller share and you pay a smaller fee — total cost runs 3% to 10.75%.
We collect when they pay
When your client settles the invoice, Bump is repaid automatically and the rest is yours. No debt on your books.
You control what it costs.
Two levers set your fee. Take a smaller share of the invoice, or a smaller advance, and you pay less. Nothing else moves the number.
The more you take, the more it costs
Advancing 30% of an invoice is cheap — we're barely exposed. At 85% we're fronting almost the whole thing, so the fee rises with it.
Bigger advances carry a premium
A $2M advance ties up far more capital than a $20k one. Each size band adds a small premium on top of your rate — capped at 2.25 points.
Total fee = Expedited Funding fee + Convenience fee, charged once on the advanced amount. No interest, no APR, no monthly charges.
The work is done and the cash is yours. Stop waiting for it.
Advance, not debt. You keep 100% ownership.
Not a loan
An advance against money you’ve already earned. Nothing hits your credit report.
No credit checks
Approval is based on your invoice and your client. Your score never comes up.
Bank-grade & backed
Backed by Mastercard, Morgan Stanley, Northwestern Mutual, Barclays, and Bell Bank. Your data stays yours.
You set the fee
Cost rises only with how much you take and how big the advance is. Start at 3%, see it before you commit, and never pay interest.
Questions, answered.
Your invoices are
worth money today.
Turn an unpaid invoice into cash in 24 hours. No credit check, no debt, no chasing.