For Businesses

Working capital
without the complexity.

Businesses use Runway to unlock working capital from their supply chain and receivables — without raising debt or giving up equity.

Two Products, One Platform

Choose the program that fits
how your business works.

If you pay suppliers, SCF can improve your cash position. If you bill customers, ARF can accelerate your cash conversion. Many businesses qualify for both.

Extend payment terms.
Strengthen your supply chain.

SCF lets you pay suppliers on extended terms — 60, 90, even 120 days — while they receive early payment funded by institutional capital. You keep cash longer. Your suppliers get paid faster. The only cost is a transparent discount at the time of funding.

No Hidden Fees — one transparent discount at time of funding
  • Improve days payable outstanding without straining supplier relationships
  • Suppliers opt in voluntarily — early payment is their choice, not a requirement
  • No debt on your balance sheet — SCF is structured against approved payables
  • Runway onboards and manages your entire supplier base globally, subject to applicable US regulations and sanctions requirements
  • Full program visibility via the Buyer Portal

Turn your receivables into
immediate cash.

ARF turns your outstanding invoices into near-term working capital. You invoice your Buyer as normal, and once invoices are verified as eligible you can offer them for funding — manually or via auto-offering. Runway requests capital from the Funder, deducts only the agreed discount fee, and remits proceeds to you. The only fee is that discount — no hidden charges.

No Hidden Fees — one transparent discount at time of funding
  • Receive funding against invoices your Buyer has already approved — no waiting for payment dates
  • No equity dilution — you’re unlocking cash you’ve already earned, not giving up ownership
  • Offer invoices manually or enable auto-offering — Runway requests funding automatically as invoices are approved
  • Facility grows with your invoice volume — the more you sell, the more working capital is available
  • USD-denominated programs for US-domiciled businesses
What to Expect

From first conversation
to live program.

Runway manages every step of program setup and ongoing operations. Here’s what the process looks like for your business.

1
Submit your interest
Fill in the Get Started form. Tell us about your business, your revenue, and whether you’re interested in SCF, ARF, or both. We’ll reach out within one business day.
2
Initial consultation and program design
We’ll review your situation, discuss the right program structure, and outline what the program will look like — terms, advance rates, fees, and timeline — before any commitment from your side.
3
Onboarding and due diligence
You receive access to the Runway onboarding portal. Our AI-assisted KYC and due diligence workflows accelerate the process — most businesses complete onboarding within a few weeks. For SCF, Runway simultaneously onboards your supplier base.
4
Capital sourced and program funded
Runway sources institutional capital for your program. Once the funder is confirmed and documentation is complete, your program is ready to go live.
5
Ongoing program management — fully managed by Runway
From go-live onwards, Runway manages everything — invoice approvals, funding requests, payments, reporting, and exceptions. Your team interacts through the portal. We handle the rest.
Who We Work With

Built for businesses.

Runway focuses on established US-domiciled companies with real supply chains or meaningful receivables portfolios.

Supply Chain Finance
You extend payment terms.
Suppliers get paid upon approval.
Runway collects on your agreed terms.
SCF is designed for businesses with an established supplier base. You extend your payment terms while your suppliers access early payment at a small discount — funded by institutional capital, fully managed by Runway.
$300M+ annual revenue
We typically work with businesses generating $300M or more in annual revenue with recurring, high-volume supplier invoice flow.
Established supplier base
An active, recurring supplier network with regular invoice flow. Suppliers can be located anywhere globally, subject to applicable US regulations and sanctions requirements.
US-domiciled anchor buyer
Your business must be headquartered and legally domiciled in the United States. Runway programs are USD-denominated at present.
Any industry
Manufacturing, distribution, retail, healthcare, technology, consumer goods — if you have a supply chain with recurring payables, we can likely structure a program.
Suppliers are onboarded to the program by Runway and participate voluntarily — early payment is their choice, not a requirement.
Accounts Receivable Finance
You bill your customer.
Runway pays you upon approval.
Runway collects on your agreed terms.
ARF is designed for businesses with outstanding receivables from creditworthy buyers. You invoice as normal; Runway verifies eligibility, sources funding, and pays you.
$5M+ in eligible receivables
We look for businesses with $5M or more in eligible, USD-denominated receivables from creditworthy buyers.
Creditworthy buyers
Receivables should be from established, financially stable businesses with a track record of on-time payment.
US-domiciled business
Your business must be US-domiciled. Runway programs are USD-denominated at present.
Disclosed or non-disclosed
Runway supports both disclosed and non-disclosed ARF structures — the program is designed around your buyer relationship.
Not sure if your receivables qualify? Submit a Get Started inquiry and we’ll give you an honest assessment — no commitment required.
Common Questions

What businesses
typically ask us.

Neither SCF nor ARF is a traditional loan or line of credit. In SCF, it’s your suppliers who receive the financing — you simply pay on extended terms. In ARF, you’re unlocking cash against receivables you’ve already earned. The specific accounting treatment depends on program structure — we recommend discussing with your advisors.
For SCF, suppliers are onboarded and aware — early payment is their choice. For ARF, Runway supports both disclosed and non-disclosed structures. In disclosed, the Buyer is aware. In non-disclosed, the Supplier passes invoice data using their own credentials — Runway never receives access to those credentials.
Most programs are live within a few weeks of completing due diligence and onboarding. Runway’s AI-assisted workflows accelerate setup.
The only fee in both programs is the discount applied at the time of funding. For SCF, this is borne by the Supplier. For ARF, it is deducted by Runway when remitting funds to you. Any reserve held at funding is released at collection. We’ll walk through full program economics before any commitment.
Yes. As long as the anchor buyer is US-domiciled, suppliers can be located anywhere in the world, subject to applicable US regulations and sanctions requirements.

Let’s find the right
program for you.

Submit your interest and we’ll get back to you within one business day to discuss your situation.

Get Started How It Works