2.9× your revenue
on the same money
Your customer makes a protected payment on day one. You sell most of it and get the cash the same day, keeping the tail. A small discount makes it worth their while. Nothing borrowed, no personal guarantee, nobody waiting.
Your customer locks 98,466 into a protected payment before you start
It's out of their account and locked. On 21 Dec it's released to you — automatically, no chasing. If you don't deliver, they get it back. Stabledrop's fee is a flat 1% of the payment, taken when it's funded. That's the whole cost, whatever you do next.
0.8–2.5
Don't wait 60 days — sell the payment for 85,570 today
A funder buys a senior claim on your protected payment — repaid first, up to a cap. What's left is your residual, paid when the payment releases. The money's already locked in, so they take no risk on your customer, and charge like it: 15.00% against the 30.0% you'd pay to borrow. No personal guarantee — there's no loan, so there's nothing to secure against your house.
85–87
89–91
92–94
6–9
12–18
18–30
18–22
36–44
Your residual takes the first 10.0% of any refund, and the funder's discount buys another 2.2% because it advanced less than its cap. Past 12.2% the funder is out of pocket. A full refund costs it 85,570 — which no cap fixes, and is what an approved-tiebreaker requirement is for.
| Refund | Funder P&L | Your residual | You keep |
|---|---|---|---|
| 0% | +2,163 | 9,748 | 95,318 |
| 5% | +2,163 | 4,874 | 90,444 |
| 10% | +2,163 | 0 | 85,570 |
| 15% | −2,711 | 0 | 85,570 |
| 20% | −7,585 | 0 | 85,570 |
| 30% | −17,333 | 0 | 85,570 |
| 50% | −36,829 | 0 | 85,570 |
| 100% | −85,570 | 0 | 85,570 |
Pay them 1,534 to fund the payment up front
Holding 100,000 for 60 days earns them 600. That's why they pay late. Offer a discount worth more and paying today becomes the better deal — plus, if you don't deliver, they get their money back. That protection is free.
3.4–4
1.5–3
20–50
The message that makes the ask
Built from your numbers above — it updates as you move the sliders. Copy it into an email or WhatsApp and edit as you like.
Hi [customer name], A proposal on our 100,000 invoice, due 21 Dec. Paying at the end of the terms makes sense for you today: holding the cash for 60 days earns you roughly 600 at 3.65%. We'd like to beat that. Fund the invoice as a protected payment today and we'll take 1,534 off — you pay 98,466 instead of 100,000. That's equivalent to earning 9.47% APR on the cash over the same period, better than holding it. The money doesn't come to us. It sits locked in a Stabledrop protected payment until 21 Dec — the day you'd have paid anyway — and is released to us then only if we've delivered. If we haven't, you get it back. Buyer protection and dispute management are built in. Paying this way genuinely helps us: it guarantees payment on time, and lets us sell the protected payment to access the capital early and keep working on your next orders. Happy to walk through the numbers. [your name]
You're up, your customer's up, and the bad debt is gone. Nobody paid for that — it's what taking the credit risk out of the deal is worth.
Each job ties up your money for 90 days — 30 working, 60 waiting to be paid. Get paid on day one and the waiting disappears: the same money starts the next job straight away.
2.9× the revenue off the same pot. You still have to win the work — but the money is no longer what's stopping you.
The discount is 1.53% of your invoice — a trade discount, not interest. Nothing is invested; the payment can always pay out in full. Stabledrop's fee is a flat 1% of the protected amount. The funder sets the senior cap and the discount rate, not Stabledrop; the residual is whatever the cap leaves and is paid after the funder. Slider bands are indicative of comparable short-dated collateralised trade paper, not quotes. Risk-free floor 3.65% (SOFR, 28 Jul 2026; use SONIA for sterling). Borrowing comparison based on iwoca published rates (from 1.5%/month; representative 40% APR). Simple interest, actual/365. Estimates, not financial advice.
© 2026 Conduit UCPI. Protected payments on blockchain. Company No. 880319.