Invoice Financing
Get a cash advance on your approved invoices through a third-party financier — with no buyer involvement required. Available to US-based suppliers transacting in USD, directly through the Coupa Supplier Portal.
At launch, a third-party financing partner will advance funds against your approved invoices. You apply through Coupa, and the financing partner assesses your eligibility. You repay the financing partner directly on your chosen term. Coupa is not a lender — the financing arrangement is between you and the financing partner.
How it works
Apply via the Portal
Go to Working Capital Finance in CSP, click Apply, authorize data sharing, and complete the financing application — all within the Coupa Supplier Portal.
Get Approved & Select Invoices
Once approved, navigate to Eligible Invoices, select the invoices you want to finance, and click Create Finance Request. Your available credit line is shown upfront.
Confirm Terms & Receive Advance
The financing partner shows the fee and advance amount. Choose your repayment term (Net 30, 60, or 90) and confirm. Funds are advanced to you. You repay the financing partner on the agreed date.
Frequently Asked Questions
Your title goes here
Invoice Financing
Is Invoice Financing a loan?
Yes. Invoice Financing is a cash advance against your approved invoices that you repay on agreed terms (Net 30, 60, or 90 days). This is different from Early Payment Discounts — where you offer a discount to your buyer and receive early payment with no repayment obligation.
Does my buyer need to do anything?
No. Invoice Financing is entirely supplier-led. Your buyer does not need to opt in or take any action. The financing arrangement is between you and our financing partner only.
Can I use Invoice Financing and Early Payment Discounts at the same time?
Yes — but not on the same invoice. Invoices from buyers with an active EPD program are excluded from Invoice Financing. You can use both programs across different buyer relationships.
What is Coupa’s role?
Coupa provides the platform that connects you to a third-party financing partner and facilitates the data sharing (with your consent). Coupa is not a lender. The financing service is provided solely by the financing partner.
Who is eligible?
US-based suppliers with a US primary address in their Coupa Supplier Portal business profile, transacting in USD. You must also be approved by our financing partner through the application process.
Invoice Financing is currently available in select US states only. To qualify, your primary business address in CSP must be in one of these states. Make sure your address is up to date under Setup > Business Profile in CSP before applying.