Get paid weekly. Finally.
Wholesalers and distributors no longer have to wait 30+ days or chase missed payments. Get your invoiced money upfront with Choco CashFlow – so you can reinvest in growth right away.
- Onboard customers fast with flexible payment terms
- Plan with confidence with consistent, weekly payments
- No more chasing down unpaid invoices
Don't slow down your cash flow
When customers buy on standard 30-day payment cycles, they tie up your capital, creating cash shortages that bottleneck your growth.
You're turning away potential customers because you don’t have the cash on hand to fulfill new orders.
You want to grow your business and buy new equipment, but your capital is tied up in unpaid bills.
Your team spends hours sending reminders and making awkward payment calls — when ideally they are selling.
You're constantly worrying about taking tens of thousands in unrecoverable losses if a customer defaults.
Power growth with predictable revenue
Choco CashFlow turns unpaid invoices into reliable income — without changing how you interact with customers.
Turn every invoice into instant capital
CashFlow manages the payment process for you — so you can maintain positive customer relationships and steady, predictable revenue.
Get early alerts if customers are at risk of defaulting, so you can maintain consistent cash flow.
CashFlow handles routine follow-ups on invoices, cutting down your team’s admin time so they can focus on building relationships.
Watch satisfaction scores rise when you spend face time discussing new products and opportunities, not lagging invoices.
With Choco we’ve grown our business over 70%. Previously we had to wait 35 days to get paid. With CashFlow we get paid within two days of issuing an invoice. We’ve gone from operating out of a council garage with £2,000 in cash to a business with a £3.3m turnover and 30 staff this year.
ACCESS YOUR MONEY NOW. NOT NEXT WEEK OR NEXT MONTH.
Get set up in one week with CashFlow. And discover how reliable, weekly payments can help you plan, invest, and grow your business.
FAQs
There's no catch. Choco earns a small percentage from each transaction — much less than what you'd lose from late payments and defaults. You get weekly payments, with default risk protection built in. Simple as that.
Choco partners with Two B2B Ltd (Company No. 13078389), a registered company based at 4 Crown Pl, London, England, EC2A 4BT, to offer the CashFlow service. Two is a licensed financial technology provider that enables non-recourse factoring. Through this partnership, Two purchases your approved invoices and pays you the amount upfront. Your customers then pay the invoice directly to Two. This setup helps you improve cash flow without taking on additional risk, as it is a non-recourse arrangement.
Choco CashFlow is a form of non-recourse invoice factoring. Unlike traditional (recourse) factoring, you’re not liable if your customer doesn’t pay—Two B2B Ltd, our financing partner, takes on that risk. You get paid upfront, with no debt on your books, and you keep full control of your customer relationship throughout.
One week. We connect with your current systems, analyze your customer base, and start processing your first invoices in 7 days or less. No lengthy implementation. No technical headaches.
CashFlow isn't debt—it's accelerated revenue. And that means it strengthens your financial position. Your balance sheet shows better cash flow and reduced receivables. Banks and investors love seeing this stability.
