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Super simple.

Activate your account in less than 2 minutes and withdraw money by exchanging unpaid invoices for instant funds.

No credit checks.
No personal guarantees. No hassle.

Make Penny withdrawal
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Upload invoice, download money

Upload invoice. Download money.

Simply upload a new or outstanding invoice and get 100% of it's value deposited in your bank account in hours*. 

There's no interest or monthly fees, just a small admin fee when you withdraw from your funding account.

Fees start from just 1% and are shown clearly before you make a withdrawal and there's never any commitment to proceed.

The sky's the limit.

Think of Penny like an unlimited overdraft that takes care of your invoice admin.

The more you use Penny the more discounts are applied to your account**.  

Penny Rewards
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Fast funding.

Over 98% of Penny users have cash in the bank in under 4 hours*

Our unique technology verifies all transactions, making sure your hard earned money is with you quickly and securely.


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Frequently asked questions.

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*Funding subject to invoice verification, charges apply. Average submission to approval time in 2022 is 52 minutes for second withdrawal, initial payment transactions may take longer. Service subject to normal business hours.

**Penny reward programme is automatically applied to your funding account, discounts subject to change. Terms and conditions apply.