Process
Audit. Optimize. Fund. Monitor.
Implementation is not a transformation program. It is four sequenced jobs with a spreadsheet at each gate. You can stop after rails.
01
Audit
We read your processing statement and AR aging. Free, 3 business days.
02
Optimize
Cut 0.45–1.5% on qualifying commercial card volume. Payment links and invoicing that post to the invoice.
03
Fund
Factoring, equipment, or a line — against receivables and assets you already hold.
04
Monitor
Covenant tracking, DSO reporting, and refinance triggers, monthly.
Cash cycle
The invoice does not have to wait with the customer.
Terms are a sales tool. They do not have to be the funding plan. Rails and a facility sit beside the aging file — they do not replace the relationship.
Today
Cash follows the due date
- 01
Invoice sent
Net 30–60
- 02
Wait on terms
DSO in the 40s
- 03
Cash arrives
45 days later
With Novaline
Cash follows the invoice
- 01
Invoice sent
Same file
- 02
Card or factor
48h or advance
- 03
Cash this week
Customer still on terms
Same invoice. Different clock.
The audit is free and returns in three business days. Optimization is a published 0.45–1.5% reduction6 on qualifying commercial card volume, plus invoicing that posts to the invoice. Funding is only for invoices and assets that are already yours. Monitoring is monthly because covenants do not wait for year-end.
Start with the fee audit · Cut 0.45–1.5% on qualifying commercial card volume