Upload a new or outstanding invoice and get 100% of its value paid into your bank account in hours*

No credit checks. No personal guarantees. No hassle.

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Hello 0 day payment terms 
 

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Our customers rate us: Excellent 

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Upload invoice, download money
 

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No interest fees or monthly subscription, just a pay as you go withdrawal fee starting from just 1%.

When your client settles the invoice we get repaid.

Zero risk, hero speed.
 

Activate an account in less that 2 minutes and start getting invoices paid in hours.

No credit checks
No personal guarantees
No waiting for your money

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The more you use the cheaper it gets.
 

Over 93% of Penny users have invoices paid in under 3 hours.

Unlock price discounts by using Penny multiple times each month 
**

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Your money, guaranteed.

Penny deals with all the admin for you, if your client doesn't pay on time we'll never ask you for the money back***

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Make Penny withdrawal

Money on demand.

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Paid in hours, not weeks.

Penny Rewards

Use more, get more.

Great support and service provided by the Penny team. Highly recommended to business fellows. 

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Ready, set, grow.
 

Get paid faster and spend more time on more important things, like growing your business and winning more clients.

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Frequently asked questions 

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