Hang on to cash longer
Pay business bills with your card, even where cards aren’t accepted,2 and hold onto cash for up to 45 extra days. Pay vendors on time while you only get charged when your card bill is due.
Automated cash flow optimization
More cash to keep your business flowing.
Keep your business cash flow on track with Melio. Pay bills by card or in installments1, schedule payments for when they work for you, and get paid faster via direct bank deposits—all in one place.
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Boost your business cash flow with Melio
Control incoming payments
Keep cash flow predictable. Create branded invoices with built-in payment links and send automated reminders—so you get paid directly to your bank account, right on time.
Schedule payments in advance
Choose when you want the payment to go out. Make payments as close to the due date as possible, ensuring they’ll arrive on time while avoiding late fees or early payment cash flow issues.
Manage every payment in one place
Make all your payments from one dashboard—see upcoming bills, reduce manual tracking, and stay organized. Easily track, manage, and sync payments with Xero and QuickBooks Online.
Pay bills over time
Cover today’s expenses and repay at a pace that works for you. Choose from multiple repayment options, including Net 30 or up to 12 monthly installments. Vendors get paid in full, up front.1
More ways to increase cash flow with Melio
Pay over time flexibility
Cover today’s expenses and repay on your schedule–up to 12 monthly installments to extend your cash flow.
Centralized tracking
Keep track of payments and manage all transactions in one place so nothing falls through the cracks.
Accounting software sync
Connect with QuickBooks or Xero to keep your books accurate and generate up-to-date cash flow statements.
Fast payments
With speed on your side, funds can arrive in hours or even minutes. Pay and get paid at your pace, and keep cash flow strong.
Partial payments
Split bills into multiple payments and payment methods, so you can stay flexible while covering expenses.
Mobile monitoring
Review, approve, and make payments from anywhere. Keep operations moving even when you’re not at your desk.
How QBench uses Melio to streamline payments and improve cash flow
QBench
“Waiting 60 days to pay a bill is actually quite meaningful for us, given how fast our sales cycle is. We’re likely to produce more cash in the next 60 days, so it’s a form of short-term financing." Trevor Ewen, Chief Operating Officer at QBench
FAQ
Cash flow is a measurement of the flow of cash in and out of your business. When more cash is coming in than going out, it’s known as positive cash flow. Free cash flow is the money that remains after paying for things like payroll, rent, and taxes. Operating cash flow indicates whether a company has enough cash to maintain and grow its operations. Every business’s cash flow is affected by payment management.
Melio’s cash flow software for small businesses is designed to help you control timing, improve visibility, and keep more cash on hand. You can schedule payments, pay bills by card to extend your float, and get paid faster through direct payment links—all from one dashboard with full visibility into incoming and outgoing cash.
Paying your business bills by card allows you to defer payments to the end of the billing cycle, giving you up to 45 days of float. Melio lets you pay by card, even when your vendor doesn’t accept cards.
Cash flow management focuses on controlling when money comes in and goes out day to day. Cash flow forecasting looks ahead, estimating future inflows and outflows so you can plan for upcoming expenses, gaps, or surpluses. One helps you act now while the other helps you plan and prepare for the future.
Melio syncs two ways with QuickBooks Online and Xero, automatically recording payments and receivables in your books. This keeps your data up to date, making it easier to build accurate cash flow forecasts and see how payment timing impacts your cash flow.
Melio is an accounts payable and receivable tool, meaning it only shows that aspect of your financials. However, Melio has a 2-way sync with QuickBooks Online and Xero. When syncing with your accounting software, all transactions made with Melio are automatically recorded in your books, making it easier to create an accurate cash flow statement.
Software for cash flow management gives businesses better visibility and control over their money. By tracking payments, timing outflows, and using features like paying by card, businesses can smooth cash flow fluctuations, avoid surprises, and make more confident financial decisions.
Look for cash flow software that’s easy to use, shows real-time data, and integrates with your accounting tools. The best solutions help you control payment timing, test different scenarios, and turn cash flow plans into action, without adding complexity.
