Get Paid Upfront is an invoice advance program for eligible QuickBooks Payments customers.* Select a qualifying invoice, and, if approved, the invoice amount, minus any upfront fee (up to 3%, as detailed in your loan agreement) will be deposited into your business bank account. 

Get Paid Upfront lets you finance multiple qualifying invoices, up to your approved credit limit. Each advance is treated and documented as a separate loan according to its own unique terms.

*QuickBooks Payments account subject to eligibility criteria, credit and application approval. Subscription to QuickBooks Online is required.

Sign into your QuickBooks account and go to Invoices > Get Paid Upfront. When you choose to fund an invoice for the first time, you will fill out an application to see if you can be approved. If approved and you accept the terms, the Get Paid Upfront advance will be disbursed to you typically within 1–2 business days of acceptance. You’ll be assigned a total credit limit that you can use to fund other qualifying invoices

Terms and credit limits may change over time.

For invoices that qualify, here’s the process:

1. When you send an invoice, you can choose to get it funded early. Go to Invoices > Get Paid Upfront to see your qualifying invoices and select “Get it funded”.
2. The invoice amount, minus any upfront fee (up to 3%, as detailed in your loan agreement) will be deposited into the business bank account you provided in your application, after you have been approved for and accepted the offer. The money should appear in your account within 1–2 business days of acceptance. The invoice total will be deducted from your assigned credit limit to determine your remaining available credit, which you can use to fund additional qualifying invoices.
3. Your advance is interest-free for the first 30 days. If your customer pays their invoice through QuickBooks Payments during the first 30 days, those payments are automatically applied to your Get Paid Upfront balance.* You won't be charged any QuickBooks Payments processing fees for these customer payments.
4. If the invoice amount isn’t repaid within 30 days after the funds are disbursed, the outstanding balance begins to accrue interest on day 31. You can repay the total invoice amount in 12 monthly installments at a fixed interest rate (per your loan agreement). The first monthly installment will be due 60 days after your advance is disbursed.
5. You may repay the invoice amount (including any fees) during the first 30 days to avoid any additional interest.

* For these customer payments, you won't be charged any Payments processing fees. This feature isn’t available for customer invoice payments made through GoPayment, Pay links, or QBO Receive Payment experience.

Various factors* determine eligibility for Get Paid Upfront. This includes, but isn't limited to:

• your business history within QuickBooks.
• your maintenance of an active Payments subscription.
• transactions within your business bank accounts.
• your invoice history.
• as the personal guarantor, your personal as well as business credit profiles. 

Because every business is unique, each application is considered individually and decisions are based on current guidelines and applicable laws.

Once you’ve accepted the approved offer, you'll receive a deposit of the invoice amount minus any upfront fee (up to 3%) into the business bank account provided in your application. The money should appear in your account within a few business days. 

Your offer may be modified or revoked at any time and for any reason, including, but not limited to, if there are adverse changes to your credit profile, irregularities with your business or identity, or if you cancel or suspend your QuickBooks Payments account.

With Get Paid Upfront, you maintain a direct relationship with your customers. Unlike other invoice funding products that can interfere with your customer relationships, your customers won’t know that you’ve used Get Paid Upfront with their invoice to access those funds early.

With Get Paid Upfront, you have 30 days from disbursement (the day the advance was issued) to pay the invoice amount in full before it begins to accrue interest. 

If your customer pays their invoice through QuickBooks Payments during the first 30 days, those payments will be automatically applied to your Get Paid Upfront loan balance. For these customer payments, you won't be charged any payments processing fees.¹

To facilitate repayment, you may take advantage of the autopay feature. Each month, the pre-authorized monthly repayment amount will be debited from the same business bank account where your upfront advance was sent.

You also have the option to make manual payments through a repayment portal. In the repayment portal, you can monitor, manage, and repay your upfront advances.

You'll receive an email invitation to activate your repayment portal within a week of accepting your Get Paid Upfront offer.

You can prepay your loan in full or in part without being charged any prepayment penalties. No late fees are charged for Get Paid Upfront. 

The application process doesn’t affect your personal credit score

But, your loan transaction history with QuickBooks may be reported to Experian Small Business Credit Share and Dun & Bradstreet. If your business fails to repay the advance, or is late in paying off the business loan, such business activity may be reported to Experian. 

For each Get Paid Upfront advance, a personal guarantee is required, which states that you personally may be required to repay the business loan, in full, in the event the business is unable to pay the loan. This is common for many small business loans.

¹ This feature isn’t available for customer invoice payments made through GoPayment, Pay links, or QuickBooks Online Receive Payment experience.

You can change your payment method and choose to send a check, money order, or wire transfer by calling 877-223-4710, Monday–Friday, 6:00 AM to 3:00 PM, PT. Note the disbursement date of your loan for easy reference.

You can also send payments by check to the following addresses: if by regular mail, Intuit Financing Inc., P.O. Box 842978, Dallas, TX 75284-2978; or if by express or overnight delivery, Bank of America Lockbox Services Infomart, Lockbox 842978, 1950 N. Stemmons Fwy., Suite 5010, Dallas, TX 75207.

Note: any payments received after 4:30 PM Pacific Time (PT) Monday–Friday will be considered to have been made on the next business day.

If you have additional questions about Get Paid Upfront, contact customer service at 877-223-4710 or email servicing@intuit.com.