You Pay on Your Terms. Vendors Get Paid on Theirs.
Empower your vendors with flexible early cash on approved invoices to boost satisfaction, strengthen partnerships, and unlock financial upside for your business.
Get a Demo
Lumanu Instant pay turned our accounts payable into a strategic advantage. We maintain our payment terms, strengthen relationships with external partners, and generate significant return on our treasury funds."
Justin Vatz
CFO
Obviously, a WPP agency
Lumanu Instant pay turned our accounts payable into a strategic advantage. We maintain our payment terms, strengthen relationships with external partners, and generate significant return on our treasury funds."
Justin Vatz
CFO
Obviously, a WPP agency
Lumanu Instant pay turned our accounts payable into a strategic advantage. We maintain our payment terms, strengthen relationships with external partners, and generate significant return on our treasury funds."
Justin Vatz
CFO
Obviously, a WPP agency
$1.5B+
Payments Made
400K+
Vendors Onboarded
900K+
Invoices Automated
132
Currencies Supported
Why Lumanu?
Instant payments for vendors
Transform Your Vendor Payables from a Cost Center to a Value Driver
Vendor Cash Flow on Demand
Vendors can choose to get paid early on approved invoices. Eliminate up front payments and cash flow bottlenecks without needing contract changes.
Full Financial Controls
Define program parameters, set eligibility criteria, and decide which vendors or approved invoices qualify for early payment offers through automated rules.
Reduce Vendor Friction
Offering an early payment option significantly reduces vendor pushback on lengthy payment terms and expedites contract negotiations.
Real Time Reporting
View and export real-time reports of vendor adoption of early payment and yield generated on your working capital.
Introducing Lumanu's early payment option has dramatically improved our relationships with creators and other vendors. Our partners value the financial flexibility, and our team spends far less time negotiating payment terms upfront."
Vickie Segar
Founder/ CEO
Village Marketing, a WPP Agency
Introducing Lumanu's early payment option has dramatically improved our relationships with creators and other vendors. Our partners value the financial flexibility, and our team spends far less time negotiating payment terms upfront."
Vickie Segar
Founder/ CEO
Village Marketing, a WPP Agency
Introducing Lumanu's early payment option has dramatically improved our relationships with creators and other vendors. Our partners value the financial flexibility, and our team spends far less time negotiating payment terms upfront."
Vickie Segar
Founder/ CEO
Village Marketing, a WPP Agency
Modernize influencer payments
Join leading enterprises who pay creators faster, with full compliance and control.
Get a Demo
FAQ
FAQ
Your top questions, answered
Your top questions, answered
How do vendors access the Instant Pay option?
Once you approve an invoice and if the payment is eligible under your program rules, the vendor will automatically see an option within their Lumanu portal to accept early payment for a small discount.
How do vendors access the Instant Pay option?
Once you approve an invoice and if the payment is eligible under your program rules, the vendor will automatically see an option within their Lumanu portal to accept early payment for a small discount.
How is the early payment discount determined?
The discount/yield is typically dynamic based on factors like how many days early the payment is made and current market interest rates. Lumanu provides transparent calculations. Specifics can be discussed based on your program setup.
How is the early payment discount determined?
The discount/yield is typically dynamic based on factors like how many days early the payment is made and current market interest rates. Lumanu provides transparent calculations. Specifics can be discussed based on your program setup.
Can I control which vendors or invoices are eligible?
Yes, clients have control over setting the parameters for their early payment program, including which vendors or types of approved Invoices are eligible to receive offers.
Can I control which vendors or invoices are eligible?
Yes, clients have control over setting the parameters for their early payment program, including which vendors or types of approved Invoices are eligible to receive offers.
How does this work with Lumanu's standard workflows?
Early Payment options are offered after a vendor invoice has been approved by the proper users. It accelerates the payout timing, not the approval itself.
How does this work with Lumanu's standard workflows?
Early Payment options are offered after a vendor invoice has been approved by the proper users. It accelerates the payout timing, not the approval itself.
How does Lumanu Instant Pay impact our cash flow and working capital strategy?
Lumanu Instant Pay allows you to offer early payment to vendors without disrupting your standard payment terms. You can fund early payments using your own capital to earn yield, or leverage a Lumanu Credit Line to preserve liquidity. This turns accounts payable into a strategic asset while maintaining financial control.
How does Lumanu Instant Pay impact our cash flow and working capital strategy?
Lumanu Instant Pay allows you to offer early payment to vendors without disrupting your standard payment terms. You can fund early payments using your own capital to earn yield, or leverage a Lumanu Credit Line to preserve liquidity. This turns accounts payable into a strategic asset while maintaining financial control.
How do I qualify for the Lumanu Credit Line?
To qualify for a Lumanu Credit Line, we work with your Finance team to verify your businesses' financial health and business credit score. We have different underwriting processes for brands and agencies that depend on your business's size.
What happens if a vendor has a question or needs support?
Lumanu provides dedicated support resources and email/call center for vendors. As the master vendor handling the payment process, we manage payment-related inquiries, reducing the burden on your team.
How do I qualify for the Lumanu Credit Line?
To qualify for a Lumanu Credit Line, we work with your Finance team to verify your businesses' financial health and business credit score. We have different underwriting processes for brands and agencies that depend on your business's size.
Platform
Solutions
By Role
By use case
By BUSINESS TYPE
© 2025 Lumanu, Inc. All Rights Reserved.
Platform
Solutions
By Role
By use case
By BUSINESS TYPE
© 2025 Lumanu, Inc. All Rights Reserved.
Platform
Solutions
By Role
By use case
By BUSINESS TYPE
© 2025 Lumanu, Inc. All Rights Reserved.