How it works. Pick an unpaid invoice inside Nova. Get funded the next business day. Pay one clear fee, shown up front. No surprises, no compounding interest. Only use it on the invoices you need it for.
You did the work. Get paid tomorrow, when you need it.
QuickPay Direct advances cash on approved pay apps for commercial contractors, funded the next business day, with the cost shown before you accept, and no hit to your balance sheet.
Pay app funding: one pay app, not your whole ledger.
QuickPay Direct (QPD) lets commercial contractors fund one approved pay app. You choose the pay app you want to get paid on, when you want it, and you leave every other pay app alone. That’s a different deal from signing over your entire receivables ledger, locking into a long contract, and having all of your customers redirected to pay someone else. It is not for residential work.
Why our funding partner, Viva Capital, can fund one pay app at a time: they can see the data in Nova. Most funding partners won’t fund a single pay app, because with only one pay app to go on, they’re working blind. Viva isn’t. Your projects, your billings, and your receivables are right there in Nova, so Viva can fund one pay app with confidence instead of taking your whole book as security. The same clarity that helps you run the business is what makes the funding possible.
No bank relationship to open. No debt on your balance sheet. You’re getting paid early on money you’ve already earned, not borrowing against future work.
Nova tells you which pay app to fund, and what it’ll cost. Before you fund a pay app, Nova shows you the cost and the tradeoff against your cash forecast, so you decide with the numbers in front of you. Nova knows which pay app makes sense to advance and which to leave alone.
What would this invoice cost you?
One flat fee, shown before you commit. In Nova, this runs against your real cash forecast.
30 days
1306090
Single invoice. No contract, no whole-ledger commitment.
Tomorrow
$40,000
80% advance, next business day
~Day 30 · client pays
+$8,750
The remaining 20%, minus the fee
You keep$48,750
Nova’s fee$1,250 (2.5%)
How does QuickPay Direct work?
You choose an approved pay app. A funding partner advances most of its value, and the cost is settled when your customer pays. With QuickPay Direct, you pick the pay app inside Nova, and the funds arrive the next business day.
Does QuickPay Direct add debt to my balance sheet?
No. It’s an advance on money you’ve already earned, backed by Viva Capital. No personal guarantee, no debt on your balance sheet, and no bank relationship to open.
Do I need good credit or a relationship with a bank?
No. The advance is against your approved pay app, not your balance sheet, so it doesn’t hinge on your personal credit or a bank line.
What does it cost?
A single transparent fee, shown before you accept. The fee is based on the invoice and how long it’s expected to be paid, so you decide based on the number in front of you.
What is Viva Capital’s role?
Viva Capital is the financing partner that funds the advances. It’s what makes the cash real: an established partner behind QuickPay Direct, not a software feature.
How is the cost calculated?
The cost is based on the approved pay app and how long until you expect to be paid. The sooner that payment comes in, the lower the cost, and you see the exact amount before you accept.
Does the fee change based on invoice size or payer?
The main driver is the time to payment.