Early Pay Overview – Paystand Help Center

How It Works

Request an advance on eligible invoices through the Lendica<>Paystand portal.
If approved, up to 90% of the invoice value is deposited into your business bank account within 1–2 business days.
On the invoice due date, Lendica will automatically debit repayment via ACH, and you keep the remaining balance (minus the financing fee).

Note: Early Pay is currently managed outside the Paystand dashboard. ERP integration is not supported in this phase.

Why Use Early Pay?

Improve cash flow and fund operations faster
Avoid traditional debt, interest, or equity dilution
Use only when needed— you choose the invoices
Transparent pricing with no hidden fees

Cost & Fees

Typical monthly fee: 1.5%–3%
No interest
No hidden charges
No impact on credit score
Fees are shown clearly before you accept any offer
No charge to apply – You will only pay when you use the product.

That means:

No setup costs
No non-use fees
No surprise or hidden charge

Is This a Loan?

No—Early Pay is a non-debt advance. It won’t appear as debt on your balance sheet and won’t affect your credit score.

Eligibility

Lendica determines eligibility based on:

Monthly invoice volume
Industry risk profile

Underwriting is handled by Lendica and may be reviewed periodically.

ERP Compatibility

Currently, Early Pay is not integrated with your ERP. Manual reconciliation will be required until full ERP support is added in a future release.

Additional FAQs

Do I have to use Early Pay for all invoices?

No, you decide when and where to use it.

What if I can’t repay on time?

Lendica will reach out to arrange alternate repayment options.

Will my customers see anything?

No. The process is invisible to your payers.

How to Apply

You’ll be invited via onboarding or through your C ustomer Success Manager. This will direct you to the Lendica portal, where you’ll complete a short application.

Need support?

Contact your Customer Success Manager.

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Early Pay Overview