Working capital
Traditional AR financing works against raised invoices. Finn works
against earned revenue— giving businesses access to cash at an
earlier point in the cycle than any traditional lender can reach.
Finn AI analyses each project against multiple health signals and recommends a recognition percentage. Significant deviations are flagged automatically. Finance approves what's right — not what the system assumed.
01 / Revenue recognised
Project Data is imported or entered into Finn, AI confidence scores are applied, Finance makes final adjustments and approves revenue. Finn locks the figure— defensible and audit-ready.
02 / Advance unlocked
The same data that closes your month unlocks access to your earned-but-unbilled revenue — before an invoice has been raised.
03 / Capital deployed
Fund hiring, cover costs, or invest in growth — without waiting for the invoice cycle to catch up with what you've already delivered.
04 / Cycle repeats
Each month close unlocks a new advance window. Working capital that scales with your business — not your banking relationship.
Working capital is a lever to pull. The businesses that scale fastest aren't waiting for invoices to clear before deciding what to do next — they're using verified earned revenue to fund the decisions that keep them ahead. The billing cycle doesn't have to be a constraint.
Working capital as a growth lever — Earned revenue funds new projects. Scale without waiting for the billing cycle.
Obligations met on time — Supplier payments and subcontractor fees met when due, not when cash arrives.
Smooth, predictable cash flow — Cash moves in line with revenue earned, not when invoices happen to clear.
Delivery resourced to perform — Resourced by what the work needs, not by what's most convenient for cash.
Terms that win the work — Deposits waived and extended terms accepted to win the work, not to protect your own cash position.
Work first, invoice later — For fixed-fee and milestone contracts, invoices routinely lag delivery by weeks or months. The work is done, the revenue earned — the invoice just hasn't been raised yet.
Traditional lenders can't see that — Conventional financing requires a raised invoice before any advance can be made. Without one, the earned revenue is invisible to any external lender.
Finn can — Because recognition happens inside the platform, Finn has visibility of verified earned revenue the moment finance approves it — before an invoice exists.
The Finn Advantage
The data that powers the advance is the same data that powers the revenue recognition — finance-reviewed, audit-ready, and verified by the people who know the projects best. No bank or factoring company has access to that signal. Finn does — because it is already there.