The new industry standard for early pay
Finally, an easy way to get paid early on your invoices
OneAM was built to fund your operations and fuel your growth. We connect SMBs and founders selling receivables with sophisticated institutional investors — a faster, more business-friendly alternative to traditional factoring.
How it works
Four simple steps
Join in minutes
Connect and verify your business through a 15-minute onboarding.
Receive funding offers
Get transparent options from trusted institutional investors.
Choose your invoices
Decide which to fund, and when. You're always in control.
Get paid early
Access cash in days while your customers pay as usual.
Why businesses choose
Four reasons our customers love us
Fast
Onboard in 15 minutes. Start receiving funding offers in days, not weeks.
Fair
Transparent pricing. No hidden fees, ever.
Flexible
Choose which invoices to fund, and when. No commitments.
Business-friendly
Your customer relationships stay untouched. You stay in control.
Trusted by American businesses
We've delivered millions in funding to businesses in just about every industry, earning the recognition to match.
What our customers say
New to early pay?
If this is the first time you've heard the term, you're not alone. Most business owners haven't — and that's exactly why we built OneAM.
Early pay is a simple idea: instead of waiting 30, 60, or 90 days for your customer to pay an invoice, you get the cash now from an institutional investor. Your customer still pays on their normal schedule. You skip the wait.
What is OneAM early pay?
Early pay lets you get paid on your invoices now, instead of waiting 30, 60, or 90 days for your customer to pay. An institutional investor advances you the cash, and your customer pays on their normal schedule.
What is invoice / receivables financing?
Invoice / receivables financing is another term for early pay. It's the broad category of products that let businesses get paid earlier on outstanding invoices.
How is OneAM different from a traditional factor?
Traditional factors can be slow, expensive, and disruptive — they often take over your customer relationships. OneAM is built on modern infrastructure with quantitative risk assessment, transparent pricing, and zero customer disruption.
Learn more from the team
Ready to get paid early?
Book a 15-minute demo and see how OneAM works for your business.
