Hopscotch is the all-in-one invoicing, cash flow, and bill pay solution for small businesses. Generate and send branded invoices using our customizable templates, then use Hopscotch Flow to make sure you never get paid late again—unlock outstanding funds in just 3 clicks! Instantly accelerate funds from unpaid invoices without alerting your clients or needing a credit check.
*Hopscotch is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC.
Hello PH gang!
We’re so excited to be making Hopscotch Flow available to a wider community of small businesses including agencies, contractors, and consultants. We’re thrilled to have your support and hear your feedback!
Why did we build Flow? 🛠️
Late-paying clients can be the kiss of death for small businesses, and we don’t think that’s fair. We built Hopscotch Flow because we saw firsthand how banks and legacy providers weren’t offering competitive invoicing and cash flow solutions for these orgs. Whether it be a small business loan or invoice factoring, SMBs are forced to endure weeks of due diligence and fill out tons of paperwork—frankly, many businesses don’t have the resources or infrastructure to support the process. The cash flow options for small businesses are often downright predatory, making it way too easy to get caught in a vicious lending cycle.
We designed Flow to help make the 33 million small businesses in the US* today invincible, one invoice at a time. Instead of waiting net-30-90 to get paid, businesses can use Flow to get paid net-now in just three clicks.
How does it work?
🧾 Invoice your client through Hopscotch | It’s easy to create branded invoices
🚫 No credit check required | Find out if you qualify instantly
💰 Advance 90% of your invoice upfront | Get paid in just 3 clicks!
😶 Privacy guaranteed | Protect valuable client relationships
What’s next?
We’re so pumped to welcome new users into our community and support more businesses with instant invoicing and payments. Every Hopscotch membership begins with a free trial of our Pro plan, so you can explore the way invoicing, bill pay, and instant cash flow works. We want you to be sure we’re a good fit for your business before committing. If Hopscotch isn’t the tool for you, there are no strings attached and no hard feelings — we can still be friends. You can schedule a demo of Hopscotch and Flow here: https://calendly.com/d/g3g-vt7-5....
High-fiving you from across the internet,
Team Hopscotch
*Please note that Hopscotch is currently only available to businesses in the US. If you operate outside the US, join our international waitlist here and get notified when we expand! Not all invoices are qualified for Flow; however, our team can manually review invoices upon request (support@gohopscotch.com).
@reedswitzer i dig it. Seems like the ability to get invoices paid even before the client pays them is the killer feature, would put that higher up in the page. More thoughts herE: https://youtu.be/Ot3d2YifqfA
@frank_denbow If I could upvote your comment twice, I would. This is an awesome teardown - I've passed it along to our marketing team and we're going to make some changes. Thank you for taking the time to do this review!
@gaby_korablyova Sure thing! Major differences are there’s no credit check required and no long application process or paperwork with Flow! You can find out if your invoice qualifies and get paid instantly on outstanding receivables. Flow is also private, meaning your clients won’t be notified when you Flow an invoice.
Congrats on the launch Reed and Team Hopscotch Flow!
I love the space that you're in! ❤️
I'm sort of familiar with the problem that you're solving because I used to work for an early stage startup that had late paying customers.
How do you ensure that you are paying out legit businesses with real customers? Instant payout and no credit check sounds like magic! 😀
@jgani Thank you & great question!
When you create an account on Hopscotch, we ask for general information about your business (Business name, Employee Identification Number (EIN) [not required], your address, etc.). This data is then validated using third-party software to ensure your business (or you as an individual) is legit.
Once you're validated, Hopscotch Flow relies on a proprietary cash flow based underwriting model to build a picture of your business' credit worthiness and the type of clients you may be transacting with. When you send an invoice to a client, the email address you input and the invoice details also provide us with valuable information.
All of this helps us offer a magical experience that is completely private. Hope that helps answer your question!
@jgani Spot on. We feel that it's a more fair, accessible way to access this sort of product rather than what is done traditionally.
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Love this product for so many reasons! Been using Hopscotch for invoicing for almost 6 months and it's super simple and less clunky than my previous process. Can't wait to give Flow a try when I have a client who does pay late or needs a few reminders.
Wondering how will we know if we've been approved for Flow?
@ellie_evans So awesome to hear that you're a current Hopscotch member! Invoices qualified for Flow are marked by a blue chevron on the accounting page; you will also be notified seconds after sending the invoice (although, you can turn off this notification if it becomes too distracting).
Feel free to shoot me a note at reed@gohopscotch.com and I'd be happy to give you a 1:1 demo of Flow and answer any questions you may have.
I like the approach, congrats on the launch first of all.
-Can everybody sign up and get payment?
-Are there any restrictions by country or type of membership(personal/coop)?
@yunuserturk Thank you!
1. Hopscotch only supports US-based businesses and individuals. To create an account you must have A) an EIN [for companies] or SSN [for individuals] and B) a US-based bank account. As a Hopscotch member, you can collect and/or make payments to anyone with a US-based payment method (bank account or card) - this person/business does not need to create a Hopscotch account to transact with you. We have plans to expand to cross-boarder transactions, but this will not be live for some time. You can read more here: https://hopscotchsupport.zendesk...
2. Yes - you must be a US-based business with an EIN or an individual with an SSN.
We've used Hopscotch Flow and can't say enough good things about the product and team. They make it SUPER easy to flow invoices to help manage your business cashflow. I highly recommend small businesses owners setting up an account and getting onboarded so they can hit GO on a FLOW whenever their business is in need of a little cushion.
Looks like a new product in my collection! Amazing work, guys, congratulations! Tell us about your future plans, if it's not a secret? How do you plan to develop your product?
@boris_moris44 Love to hear it!
With invoicing, bill pay, and cash flow management tools in one place, we think there's a great opportunity to begin automating small business financial management. I won't get into the details here, but what folks see today really is just the foundation of the business. There's a lot more coming.
This is a cool idea. How does this interact with Stripe? We're currently using Stripe payment recovery. Can we use this in addition to that, or should we use this instead of Stripe recovery? Congrats on the launch.
@cwbuilds1 Hi there! Hopscotch replaces Stripe, if you are using Stripe for sending one-off our recurring invoices. We offer similar customization options when it comes to branding your invoices & payment screens. The best part (vs. Stripe): it is free to accept bank transfers from clients and you can automatically pass on credit card fees to your clients as well. Flow will be available for most invoices you send via Hopscotch, but you are not required to activate it for every one.
Flow is not competitive with Stripe Recovery; Flow can be used to advance funds from outstanding invoices so you don't have to wait net-30-90 to get paid, whereas Stripe Recovery has a different use case.
Hope this helps!
Note: Hopscotch is not built for SaaS companies and we do not offer APIs - this is where Stripe is best suited.
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