Our Products

Working capital,
simply explained.

Two programs. One platform. Here’s exactly how each one works — and how money and information flows through them to benefit your business.

Supply Chain Finance

Pay your suppliers later.
Let them get paid now.

SCF improves cash flow on both sides of a trade relationship. As the Buyer, you send Runway your approved invoices. Your Suppliers can then offer those invoices for funding — manually or via auto-offering — receiving payment sooner at a small discount. At maturity, you pay Runway on your agreed extended terms. The Funder provides the capital in between.

No Hidden Fees — one transparent discount at time of funding
Invoice & Approval
1
Supplier → Buyer
Supplier submits invoice to Buyer as normal
No change to existing invoicing process.
↓
2
Buyer → Runway
Buyer sends approved invoices to Runway
Approved invoices are pushed to Runway automatically or via upload.
↓
3
Runway Portal
Eligible invoices appear on the Supplier’s portal
Supplier can manually select invoices to offer for funding, or enable auto-offering so Runway requests funding automatically.
↓
4
Runway → Funder
Runway submits funding request to Funder
Funding & Collection
5
Funder → Runway → Supplier
Funder remits payment to Runway
Runway deducts the discount fee and remits the remainder, less any reserve, to the Supplier.
↓
6
Buyer → Runway
At maturity, Buyer remits payment to Runway
Payment is made on the agreed extended terms — 60, 90, or 120 days.
↓
7
Runway → Funder + Supplier
Runway settles with Funder and releases any reserve to Supplier
Funder is repaid in full. Any reserve held at funding is released to the Supplier. Any unfunded receivables are also remitted. No hidden fees — only the discount fee charged at time of funding.
The only fee is the discount applied at time of funding. All reserves and unfunded receivable proceeds are returned to the Supplier at collection.
1
Supplier invoices Buyer as normal
The Supplier submits invoices to the Buyer through their usual process. Nothing changes for either party at this stage — existing invoicing workflows are preserved.
2
Buyer pushes approved invoices to Runway
Approved invoices are sent to Runway automatically or via upload. Only Buyer-approved invoices enter the program — the Buyer’s approval is the trigger for eligibility.
3
Supplier selects invoices for funding — or sets auto-offer
Eligible invoices appear in the Supplier’s Runway portal. The Supplier can manually choose which invoices to offer for funding, or enable auto-offering, where Runway automatically requests funding on their behalf as invoices become eligible.
4
Runway requests funding; Funder remits to Runway
Runway submits the funding request to the institutional Funder. The Funder remits payment to Runway, which deducts the agreed discount fee and remits the remainder — less any reserve — to the Supplier.
5
At maturity, Buyer pays Runway; Runway settles all parties
On the due date, the Buyer remits payment to Runway. Runway repays the Funder in full, releases any held reserve to the Supplier, and remits proceeds for any unfunded receivables. The only fee is the discount charged at time of funding — no hidden charges.
The SCF advantage
No debt
SCF is not a loan. There is no debt on your balance sheet — you’re simply using your approved payables as the basis for the program.
Global suppliers
As a US-domiciled buyer, your suppliers can be located anywhere in the world, subject to applicable US regulations and sanctions requirements. Runway handles global supplier onboarding.
60–120 days
Typical extended payment terms buyers achieve through SCF programs, compared to standard 30-day terms.
Days to weeks
Typical time to program go-live using Runway’s AI-assisted onboarding and due diligence workflows.
Improve your cash position
Extending payment terms frees up working capital that was previously tied up in accounts payable — cash you can reinvest in growth.
Strengthen supplier relationships
Suppliers gain access to cheaper, faster financing than they could obtain independently — which makes your business a preferred customer.
No disruption to operations
Runway handles all program operations — supplier onboarding, invoice processing, payment mechanics — with no impact on your existing AP workflow.
Accounts Receivable Finance

Cash from invoices you’ve
already earned.

ARF turns your outstanding invoices into near-term working capital. You invoice your Buyer as normal; once invoices are verified as eligible, you can offer them for funding — manually or via auto-offering. Runway requests capital from the Funder, deducts the discount fee, and remits proceeds to you. Your Buyer settles at their normal due date. The only fee is the discount at time of funding.

No Hidden Fees — one transparent discount at time of funding
Disclosed structures Non-disclosed structures Structured to your needs
Invoice & Approval
1
Supplier → Buyer
Supplier submits invoice to Buyer as normal
No change to existing invoicing process or Buyer relationship.
↓
2
Runway → Buyer
Runway independently verifies invoice eligibility
Runway verifies invoices through various methods, such as e-invoicing platforms — without requiring access to the Supplier’s platform credentials. Both disclosed and non-disclosed structures are supported, structured to your needs.
↓
3
Runway Portal
Approved invoices become eligible; shown in the Supplier’s portal
Supplier can manually offer invoices for funding, or enable auto-offering so Runway requests funding automatically as each invoice is approved.
↓
4
Runway → Funder
Runway submits funding request to Funder
Funding & Collection
5
Funder → Runway → Supplier
Funder remits payment to Runway
Runway deducts the discount fee and remits the remainder, less any reserve, directly to the Supplier.
↓
6
Buyer → Runway
At maturity, Buyer remits payment to Runway
The Buyer pays on their normal terms. Runway receives payment on behalf of the Funder.
↓
7
Runway → Funder + Supplier
Runway settles with Funder and releases reserve to Supplier
Funder is repaid in full. Any reserve held at funding is released to the Supplier, along with proceeds for any unpurchased receivables. No hidden fees — only the discount fee at time of funding.
The only fee is the discount applied at time of funding. All reserves and proceeds for unpurchased receivables are returned to the Supplier at collection.
1
Supplier invoices Buyer as normal
The Supplier submits invoices to the Buyer through their existing process. The Buyer relationship is unchanged — they continue to receive and process invoices as they always have.
2
Runway independently verifies invoice eligibility
Runway verifies confirmed invoices through various methods, such as e-invoicing platforms — without requiring access to the Supplier’s own platform credentials. Runway supports both disclosed and non-disclosed program structures, designed around the Supplier’s needs and their Buyer relationship.
3
Approved invoices appear in the portal — Supplier selects or auto-offers
Once an invoice is approved, it becomes visible in the Supplier’s Runway portal as eligible for funding. The Supplier can manually choose which invoices to offer, or enable auto-offering so Runway automatically requests funding on each eligible invoice without manual action.
4
Funder remits to Runway; Runway pays Supplier
Runway submits the funding request to the institutional Funder. The Funder remits payment to Runway, which deducts the discount fee and remits the remainder — less any reserve — directly to the Supplier. The discount fee is the only charge.
5
At maturity, Buyer pays Runway; Runway settles all parties
The Buyer pays on their normal terms. Runway receives the payment, repays the Funder in full, and releases any held reserve to the Supplier. Proceeds from any invoices that were not purchased are also remitted to the Supplier. No hidden fees — the cycle is complete and the facility replenishes for new invoices.
The ARF advantage
No dilution
ARF is not equity. You’re monetizing receivables you’ve already earned — not giving up ownership of your business.
Discount only
The only fee is the discount deducted at time of funding. Any reserve held is released to you at collection, along with proceeds for any unfunded invoices.
Revolving
As invoices are repaid, the facility replenishes — providing a continuous, scalable source of working capital as your business grows.
USD
Programs are currently denominated in USD, with additional currencies planned for a future date.
Accelerate your cash conversion
Turn long Buyer payment cycles into near-term cash — without chasing customers or changing how you invoice.
Keep it off your balance sheet
ARF is based on receivables you’ve already earned — not traditional debt or equity. Discuss specific accounting treatment with your advisors.
Scale with your revenue
The facility grows with your invoicing — the more you sell, the more working capital is available. No fixed limits to renegotiate as you grow.

Which program
fits your business?

If you extend terms to suppliers, SCF is likely the right fit. If you have long customer payment cycles, ARF might be the answer. We’ll help you figure it out.

Talk to Us For Businesses