Get paid today instead of day-17

Normal Cerivio payout releases 17 days after an order is placed. Need the cash sooner? Opt into Early Payout and we advance the net payout minus a small fee (2-3% depending on tier). No paperwork, no additional bank, no personal guarantee.

For · Cerivio sellers with 90+ days on-platform Facility · up to €500k rolling credit Fee · 1.5% – 3% flat, tier-based

1How it works

Underwriting · one-time (refreshed monthly). Cerivio evaluates your tenure, trailing-90-day GMV, dispute rate and plan tier, then assigns a facility: LOW €500k, MEDIUM €200k, HIGH €50k, or DECLINED.
Request per settlement. You pick pending orders totalling up to your available credit and post POST /api/v1/early-payout/request (or click "Accelerate" in your seller SPA).
Advance is auto-approved if you have credit + a current assessment. Funds arrive in your bank within the hour (SEPA Instant where supported).
Repayment is fully automatic. When Cerivio's nightly settlement cron pays out for the accelerated orders, we route the payout to our treasury instead of your bank · your ledger nets to zero. No invoice, no reconciliation.

No hidden costs. The fee is charged once, at advance time, on the accelerated amount. If a covered order gets refunded or disputed, Cerivio owns the receivable and pursues collection under your seller agreement · your fee is never adjusted.

2Pricing · flat fee by tier

Bronze

3.00% flat

~65% APR-equivalent over 17d

Silver

2.50% flat

~54% APR-equivalent

Gold

2.00% flat

~43% APR-equivalent

Enterprise

1.50% flat

~32% APR-equivalent

Compare to invoice factoring (Aldermore, Bibby: 3-5% fee + 1.5-2.5% service charge) or a fintech factoring line (Wayflyer, Uncapped: 6-12% for 6 months). Cerivio Early Payout is priced for the 17-day duration only — you pay for the days you actually use.

3Underwriting rules

Check	Threshold	Effect if failed
Tenure on Cerivio	≥ 90 days	DECLINED
Trailing-90-day settled GMV	≥ €25,000	DECLINED
Trailing-90-day dispute rate	≤ 5%	DECLINED
Plan tier ENTERPRISE + dispute ≤ 1%	—	LOW · €500k
Plan tier GOLD + dispute ≤ 2%	—	LOW · €500k
Dispute ≤ 2% + GMV ≥ €100k	—	MEDIUM · €200k
All other qualified sellers	—	HIGH · €50k

Underwriting is refreshed monthly (TTL 30 days). A stale assessment auto-declines any new request until you re-underwrite.

4Revenue projection · this feature

Assumption	Yr 1	Yr 2	Yr 3
Sellers taking early payout (of active base)	~15%	~25%	~35%
Accelerated GMV per year	€25M	€75M	€150M
Blended fee % (~2.3% across tiers)	2.30%	2.20%	2.10%
Fee revenue	€575k	€1.65M	€3.15M
Bad debt (write-off) allowance	−€25k	−€75k	−€150k
Net contribution	€550k	€1.58M	€3.00M

Capital cost: initially self-funded from Cerivio working-capital reserve. From Yr 2 backed by a factoring line at 6-8% APR from a partner bank · net fee margin stays ~85%.

5Get started

Contact credit@cerivio.com or click "Accelerate" from your seller dashboard.
Underwriting takes 5 minutes · the assessment is based on data Cerivio already has (no extra paperwork).
First advance can arrive within 1 hour.