Amazing 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.