Careers

1. Becoming the ultimate cash flow product for agencies struggling with long payment terms

Payment terms are broken for small businesses. Clients often push to get net 45, 60, even 90. If you're an agency, you might even have to front costs for shoots and ad spend, you probably want to pay your contractors on time, and you usually have to run payroll every two weeks while clients pay every two months. This cash gap means many creative agencies struggle to grow, because they can't take on bigger projects.

Who made this the norm?

Cheque fixes this. We give creative agencies cash in the bank without debt, loans, or awkward client calls. Send an invoice and get paid instantly, while your clients earn a return for paying early.

That is our wedge. Solving the hardest version of the problem first, then building from there.

2. Building the network

Every invoice connects two businesses. Every new client that has an invoice to pay, brings more cash to be paid instantly and can in turn, bring their clients on to the platform to pay their invoices. We go beyond agencies, and serve small businesses and mid-market enterprises needing to better manage their cash flow.

Our integrations with QuickBooks gives us reach into millions of businesses, and we have plenty of more partner integrations in the backlog. When agencies invoice through Cheque, their clients onboard to pay. When those clients start invoicing, their own networks connect too.

The network gets bigger with every payment.

3. Reallocating idle capital across the entire financial system

In the U.S. alone, $15 trillion sits locked up in accounts payable. That's literally trillions of dollars that could be moving but just sits there, waiting 30-90 days for an invoice to be paid. This isn't money the client can spend, since it's already been committed, so there it sits, and there's only so much of a return on capital you can get over 30-90 days.

When this cash doesn't move, the world isn't moving as fast as it could. By reallocating cash that's already there, matching businesses who need cash with those who have it, we will be able to increase the growth of small businesses worldwide.

We find this especially thrilling, since everything changes when this works. Invoices stop being static PDF documents and start behaving like liquid assets.

The long-term goal is a financial network that runs itself, where money moves automatically, capital flows efficiently, and businesses grow because they now have access to the cash flow that allows them to.