Superfast.
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.
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**.
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.
