FAQ
The questions that belong in a credit file.
Who is Novaline built for?
Controllers, CFOs, and owner-operators at B2B distributors and suppliers with roughly $2M–$25M in revenue. Typical verticals: industrial, building materials, MRO and electrical/plumbing/HVAC, auto and truck parts, packaging and janitorial, and medical/dental supply.
Do you replace our bank, ERP, or collections staff?
No. Novaline sits beside the existing lockbox, ERP, and credit function. The work is payment cost, settlement speed, and funding of invoices that remain on contracted terms — not a new general ledger.
How is this different from a factor?
Classical factoring buys a book and often takes over collections. We separate three jobs: accelerate cash on invoices that can be paid now, reduce what you pay to get paid, and fund performing invoices that should stay on terms with the customer. Collections posture stays yours unless you ask otherwise.
What does it cost?
Fees are quoted per facility and per rail — basis points on funded invoices, and unit costs on payment acceptance — not a blended platform fee. Use the tools on this site to size the arithmetic before a call. We quote in writing against your last 90 days of AR aging and payment mix. Calculator outputs are illustrative.
Who can you underwrite?
We work with $2M–$25M B2B distributors. If the selling entity and the aging file can be underwritten, we will say so. If they cannot, we will say so.
How long does implementation take?
The fee audit is free and returns in three business days. Processing changes typically land in 2–4 weeks. A funding facility against approved invoices depends on payer concentration and documentation; 3–6 weeks is the planning range, not a promise.
What data do you need to quote?
A processing statement, AR aging (current to 90+), last 12 months of revenue, payment-mix percentages, top-20 payer list, and current borrowing rate on the operating line. No live ERP connection is required for a first finding.
Is customer notification required?
Not for payment-cost work. For invoice funding, notice depends on the structure: silent facilities exist for investment-grade payers; notice is required where payer acknowledgement is the credit.