New Daily Advance now embedded on Debenhams Learn More

What is the liquidity layer?

Our liquidity, your proposition

Embed Storfund’s liquidity layer and you can offer a differentiated proposition to your customers – without taking on risk or balance sheet burden.

  1. Works on top of the card rails you already run – no rebuild
  2. We prefund cards as soon as we identify an eligible transaction
  3. Your customers keep paying suppliers exactly as they do today

Win-win

Turn a problem into an opportunity

B2B payment flows come with the balance sheet burden of pre-funding cards before the clearing cycle completes – as volumes scale, the problem compounds. What if this was an opportunity instead?

For your customers:

Your customers keep their working capital and grow without balance sheet drag.

For you:

Offering liquidity to support customers as they scale strengthens every customer relationship and puts more transaction volume on your rails, a real point of difference against issuers who can’t offer this.

Women working on laptop

Use cases

Multiple industries, one gap

Storfund’s liquidity layer removes the prefunding requirement across any B2B virtual card flow – wherever a business has already made a sale but still has to pre-fund a card.



B2B travel: Travel agents need to settle with the supplier at the point of purchase, often weeks before the service is delivered and the cash lands.



Freight & logistics: Forwarders pay carriers and customs on despatch, before the shipper’s own invoice is even due.



Oil and gas: Fuel and supplier payments settle immediately, while the customer pays on terms.

We Make Cash Flow icon

It’s not credit, it’s cash flow

Traditional credit starts with a borrower, embedded liquidity starts with an eligible transaction

Every advance is tied to an eligible transaction – we’re not assessing credit, we’re verifying a sale.

No credit assessment of the business

No ceiling on advance volume. Financing scales up and down with seasonality

Offer a choice behind your rails

“Standard settlement – on the normal date”. Or “Instant liquidity – today.”

Wherever a business has to pay its supplier before its own money arrives, there is a card in the middle and a funding gap behind it.

Without Storfund

  • Your customer makes a sale

  • Your customer prefunds a card issued by you

  • Your customer pays its supplier

  • Your customer gets paid

With Storfund

  • Your customer makes a sale

  • Stofund prefunds the card

  • Your customer pays its supplier

  • Your customer gets paid and settles with you. You settle with Storfund.

Tablet screen showing 85%

What it costs

Transparent, transaction-based pricing



Pricing model. A fee is only charged on the balance actually funded, for as long as the cash is outstanding.



Start/stop. Use the service as needed, stop when you want.

Video: How the liquidity layer works for virtual card issuers

Watch: The liquidity layer – flowing into the pre-funding gap



Let’s talk partnership

Easy to integrate

Built for the globality of B2B payments

Multiple money movements. The same approach works whether money moves by card, bank transfer, or newer rails like stablecoins – so the liquidity layer keeps working as payments evolve.

No technical work required. Storfund integrates with and works to current operational flow, so embedded liquidity can be switched on seamlessly.

Multiple currencies, multiple countries. Storfund finances across 36 countries today, with more added case by case.

The liquidity layer for the platform economy

Proven at scale

  • 60+ partners

  • 36 countries

  • 500,000+ transactions processed each day

Frequently asked questions

Questions?

See all

  • Why offer Daily Advance alongside credit products?

    Daily Advance is not credit, it’s cash flow. It’s not “extra” money like a loan, Merchant Cash Advance or credit line, it’s earned revenue. Getting cash flow right can transform a business.

    Daily Advance is typically used by larger businesses. Demand for Daily Advance grows by x4 as businesses grow from small to medium, while demand for credit stays flat.

  • How is Daily Advance different to Instant Payouts?

    Instant Payouts is a product offered by payments technology companies to speed up settlement times; it does not address the liquidity gap between sale and payout, because the timing of the payout is controlled by the platform’s settlement cycle.

    Instant Payouts Daily Advance
    Speeds up settlement from payment companies Bridges structural gap between sale and platform payment
    1–3 day acceleration 14-30+ day acceleration
    Treasury product Unlocks growth

  • What type of businesses use Daily Advance?

    Daily Advance is designed for established businesses with consistent sales and high growth potential. Our average customer generates $1.8M in annual revenue, with some exceeding $150M.

  • How does Daily Advance benefit partners?

    Daily Advance helps partners grow, retain and attract high-performing businesses.

    On most platforms, a small percentage of businesses generate the majority of revenue. Giving those businesses faster access to cash flow helps them reinvest sooner, increasing sales on your platform.

    Daily Advance also creates a competitive advantage: helping you retain your best businesses and attract businesses looking for new channels to grow.

  • Why do businesses want faster access to their revenue?

    As businesses scale, their constraint is often the speed of their cash cycle speed. Whether they sell services or goods, faster access to revenue allows them to reinvest more quickly in inventory, marketing, people and expansion. This accelerates growth for both the business and you.

    Daily Advance is also typically used by larger businesses; demand for Daily Advance grows by x4 as businesses grow from small to medium, while demand for credit stays flat.

Embed the liquidity layer on your platform.

Tell us about your platform and our partnerships team will show you how it fits.



Let’s talk partnership