Factor your invoices for free with every swipe

Whether you manage one truck or 1000, we help you get paid faster. Stream helps you manage your payments, reduce your costs and factor your invoices.

  • Earn 1% cashback on your expenses
  • Receive advance payments for a rate as low as 0%
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Do your clients pay you in 30, 60 or 90 days?

With Stream, get cash in your hands today

Cost reduction

Earn 1% cashback every time you spend with your free debit card that is accepted everywhere.

Cash advance

Get your invoices factored for a rate that starts at 1.5% and decreases to 0%.
The more you spend on your debit card, the lower your rate becomes.

Quick access to funds

We pay 100% of the cash owed by your clients directly into your bank account within hours. This cash can be used for your debit card spending.

Full control of your finances

Take control of the entire fleet with full visibility into every cent spent by your fleet and gain control of your drivers' spending.

No paperwork

Say goodbye to tiresome paperwork! We help you reduce administrative overhead.

Are you worried about cost increase?

Stream offers you a 3-in-1 solution, built to save costs and improve cash flow

1/ Free debit cards

Assign debit cards to your drivers and set their spending rules. Our cards are accepted anywhere in Europe.
Spend on any business purchase anywhere, and control where every cent goes
Get 1% cashback on all expenses, including fuel

2/ Cash advance & Factoring

Create an invoice for your client and don't wait to get paid
With one click, Stream gives you a cash advance for 100% of the amount of the invoice into your bank account
When you spend on your debit card the money that you received from Stream, your factoring rate would be 0%

3/ Control and overview

Set your own card rules and know exactly when and where drivers are making purchases
Block any unwanted transactions, and protect your business from payment fraud
Monitor and view all your transactions in one place

Frequently asked questions

What is factoring?
Factoring is the process of selling the invoices that are owed by your clients to Stream, who takes care of collecting the invoice amount from your client on the due date.Usually, factoring can be costly and depends on the days left until your customer pays. An example of this cost could be a 3% rate for a 60-day invoice.

At Stream, our maximum rate is 1.5%, which decreases the more you spend on your debit card - which is free of charge.
What is exactly the product and how much does it cost?
Our product is made of 3 solutions:
  • A debit card that is universally accepted and supported by VISA, and can be used anywhere. The debit card is free of charge. Every time you use it for any business expense including fuel, we give you 1% cashback. This debit card can be used by any team member and driver. You have full control over the payments - Stream helps you set the rules and spend less. Block transactions, flag them for review, and get alerted instantly. Enable special purchases and set up limits and special controls per employee.
  • Fast and cheap factoring solutions: factor your invoices at a starting rate of 1.5% that decreases every day, the more you spend on your card. Receive the money in your bank account, that we will create for you, once you sign up. If you spend the same amount you factor on your debit card, the cost of factoring could become ZERO.
  • A dashboard for reporting: Stream’s easy-to-use dashboard puts your entire fleet in your hands, with full visibility into every cent you’re spending on your fleet. Say goodbye to tiresome paperwork and excel sheets. Whether your business operates five vehicles or 100, your dashboard shows you exactly what’s happening with your fleet, every second of the day. The dashboard also allows you to control and block card transactions of your drivers and set up the rules of spending. The dashboard is free of charge.
How do I sign up? What are the steps?
  1. You register your interest and preferably book a meeting with us
  2. Once we launch, you apply for our product, using a digital and easy process of 20 minutes.
  3. Within minutes from applying, we open you a German-based account in your local currency and we issue debit cards for you and your team.
  4. We will send you the debit cards within 2-3 days. You receive the cards, assign them to your drivers and employees, and quickly set up limits and controls per driver.
  5. Start using your card, and whenever you issue invoices to your customers, upload them and factor them. Receive the money within hours into your account. No hidden fees!
  6. With our dashboard, keep an eye on all your spending, invoices, drivers and overall fleet!
What makes the Stream card different from other cards?
With Stream, you set the rules. No matter how many vehicles you have, it’s important to take full control of your fleet — set limits, issue cards, and authorize payments in a few clicks. In contrast to other cards, with Stream you can set dynamic rules based on real fuel-usage, time and other factors.
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No need to pre-calculate the daily allowance, let our system calculate what’s required based on your rules, trucks and routes.When something strange happens, like a transaction outside of the expected route - you will be informed and the transaction will be blocked. Of course you can authorize it if required.
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We’re working hard to provide the best card management solution on the market.

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