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Add a buyer

Your first step to qualifying your customers for Capchase Pay flexible payment terms is to “Create a buyer,” which you can do individually or in bulk. Once you create a buyer, we run an eligibility check behind the scenes, which takes about 1-2 minutes.

To create a buyer, go to the "Buyers" page and click the button at the top right. Fill out the form with the required information, and be sure to include it exactly as it is written on the official documents. It is important to have the legally incorporated information for this check.

Buyers page

The Buyers page contains a list of all your Buyers, and it’s also where you can create a new one. Here, you can see information about their business and your deals with them. You can get to the Buyers page by going to ‘Pay’ on the left-hand menu and clicking on ‘Buyers.’

Add a new buyer

Information we will need from your Buyer:

Company name
Company legal name
Company website
Company street address
Company postal code
Company city
Company country

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Once all required fields are filled in, click on the "Create buyer" button. Capchase will typically provide the eligibility assessment results in 1-2 minutes. In the case that your buyer requires further review, a member of our team will reach out.

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You can see the Buyer’s approval status directly on the Buyer’s Page. After it’s successfully approved, you are ready to set up a new deal!

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Buyer eligibility

This is a set of procedures that we follow to verify the identity and legitimacy of the companies we work with.

What do we check for?

Have been in business for more than 6 months if your program has a recourse risk model, or more than 24 months if your program is non-recourse
Have 2 or more employees
Are incorporated and/or operating in the authorized countries list
Not in a restricted industry which includes: marijuana-related, tobacco, alcohol, firearms, military equipment or munitions-related companies, adult entertainment, and gambling; or a federal government organization
1. In order to approve a deal (or outstanding book value (OBV)) above $250,000, the buyer must go through a financial review which includes sharing audited (or CPA approved) financial statements for the last two fiscal years. We can also accept tax filings for the last two fiscal years.
The max total contract value (TCV) has to be less than 5% of the buyer’s ARR.

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What does the financial review check for?

Positive YoY Revenue Growth
Runway > 12 months
Quick Ratio (Current Assets / Current Liabilities) >= 1.5x

If you encounter any challenges or require clarification regarding a specific buyer's assessment, please message us at support@capchase.com.

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Approval Parameters

Buyers are approved with defined limitations on deal size range, term length, and expiration dates. You’ll see the parameters listed for each buyer on their summary page in the Capchase app, when you create a payment link for that buyer, and in the notification email that shares the qualification results.

Email notification with the qualification results

Buyer parameters shown when you create a payment link

Approval Expiration Dates

Buyer approvals are valid for 90 days. After that, the buyer must be reassessed before a new payment link can be created. This applies to all approvals submitted from June 5, 2025 forward. Expiration details are visible in both the Capchase App and our CRM integrations.

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Statuses

You can see the Buyer’s approval status directly on the Buyers page.

The main reason a buyer eligibility assessment takes longer or is rejected is typically due to an incorrect legal name or address. These must be the incorporated name and address (which is not always the physical location or headquarters address). See Buyer Qualification Tips for more help on this.

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Buyer rejection reasons

Some reasons why your previously approved buyer might be rejected may be:

They became inactive or went non-compliant with their relevant Secretary of State (SoS) or local government. If this is the case, we can’t approve until we see a certificate of good standing or relevant government data source showing it.
They appeared on a sanction list or got into litigation that causes credit risk.
They experienced material degradation in their financial health.

They've reached their financing limit which is based on the maximum percentage of their ARR that we can have outstanding from them at one time.

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Your buyer is approved

After your buyer is successfully approved, you can move on to the next step of using Capchase Pay which is to create the Payment Link.