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Everyday, your trucks are on the field burning through working capital. Insurance, gas, wear and tear on equipment as well as a hundred unexpected expenses are slowly draining your bank account. When the job is done and the power is back on, you return to base feeling good about a job well done.

But just as you’ve brought a renewed sense of security to countless fellow citizens, insecurity is about to descend on you. It’s going to be 90, maybe 120 days before the utility pays you for your work. How will you meet payroll, pay subcontractors or prepare for the next event? Can Payability help? We’re about to find out.

What is Payability and What Do They Offer?

Payability is designed to help companies weather the uncertainties of cash flow by providing merchants access to money owed them via recent sales. You’ll notice we said “merchants” and “sales.”

That’s because Payability doesn’t provide advance funding on work invoices being held by a utility. Nor do they provide invoice factoring, invoice financing (like Payost) or float storm restoration companies a line of credit. They work with online merchants exclusively to help tahem close the gap between recorded sales and payments.

Source: https://www.payability.com/

How Does Payability Work?

Payability works by offering products like their Instant Advance. With Instant Advance, they purchase up to one month’s worth of future receivables (taking a cut for themselves of course). This provides the online merchant with immediate cash they can use to finance growth.

Source: https://www.payability.com/

Payability Qualification Requirements

Payability currently partners with Amazon, Shopify, and other online retailers to help independents working within their marketplace obtain much needed capital. If accepted, your previous day’s sales are automatically loaded into your Payability account.

Once there, you can do with them as you please and access them using the Payability Seller Card which is a kind of debit card linked to your Payability account.

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In order to qualify for Paybility’s signature Instant Access account, you’ll need to meet the following requirements:

  • You must be in business for at least 90 days.
  • You must have an online sales amount of at least $2,000 per month.

If you wish to apply for Payability’s more deluxe Instant Advance, you must:

  • Be in business for at least 8 full months.
  • Have sales in a qualifying ecom marketplace of at least $7,500 per month.

Again though, you’ll notice none of this has much to do with getting that your invoice paid off. Payability is focused strictly on ecommerce.

Application Process

The Payability application process sounds pretty simple but it’s actually kind of time-consuming. Still, it’s not as bad as dealing with a bank. Their process can be summed up through the following:

  • Go to the Payability website and open an account.
  • Enter your DOB, social security number, length of time you’ve been in business as well as information on your marketplace sales history.
  • Once you’ve filled out the form and submitted it, Payability assesses the details you’ve shared. This could take a few hours or a few days.
  • If approved, you’ll gain more or less immediate access to your funds.

Now, if you’re setting up an online enterprise to augment the earnings from your storm restoration work, this might be useful. But if you’re looking for help obtaining advance funding on your outstanding invoices, Payability simply won’t be able to help.

Payability Pros and Cons

If you have an online business associated with one of the main web retail sites and are intent on exploring the possibilities of Payability, you’re in luck. What you’ll get stacks up well to what you’ll read in Payability reviews.

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  • They offer “competitive” fees and terms - Of course, “competitive” doesn’t mean “affordable.” It just means they don’t charge too much more than some others.
  • No personal credit check - They take your SSN which isn’t good. But they say they don’t use it to do a credit check. You just have to take their word for that.
  • Relatively easy qualifications - They don’t ask for anything extraordinary but your business has to pass financial muster.
  • Easy application process - It’s easier than applying for a bank loan, sure but then having a tooth pulled out is easier than getting a bank loan.


  • For ecom only - We can’t emphasize this enough. If you’re a storm restoration company looking for advance funding on outstanding invoices, Payability can’t help you.

The best thing to do is let go of the notion that a company like Payability has anything to offer you in terms of invoice financing and contact Payost instead. If you have outstanding invoices with AAA credit rated companies, we can help you. It’s as simple as that. No tricks or last minute catches. Show us the invoices and you’ll be able to receive payment for them.

Payability Review

This review of Payability focuses on the type of companies they serve. And for good reason because they only serve ecom ventures. And while we’re sure many of those glowing Payability reviews out there are genuine, it doesn’t matter. You need Payost, not Payability, to help bridge the cash flow gap for your storm restoration company.

Payability vs. Payost Comparison

Payability was created to help online merchants gain access to sales revenue without delay. And there’s no doubt Payability has helped a lot of ecom merchants do just that. But they weren’t intended to help storm restoration companies obtain advance funding on their outstanding invoices.

Payost on the other hand, was designed to do exactly just that. This is how it works:

  • You have outstanding invoices with a utility.
  • You go to the “Apply Now” page on the Payost website.
  • You take 3 minutes to answer a few simple questions.
  • Payost verifies your invoices and provides a dashboard through which you upload them.
  • Payost pays your invoices typically within 24 hours.

As a result, you have the money you earned in your bank account and you can go about paying your bills, meeting payroll, paying subcontractors and getting ready for the next job.

“My success, part of it certainly, is that I have focused in on a few things.” - Bill Gates

Bottom Line: Should you try Payost?

Storm restoration companies contemplating Payability as an answer to their cash flow problems are going to be disappointed. Payability is an ecom-only advance funder. But there’s no reason to despair because Payost provides invoice financing that’s fast, affordable, and effective.

From a finance perspective our revolutionary model is head and shoulders above:

  • Invoice factoring
  • Lines of credit
  • Accounts receivable financing
  • Bank loans
  • And all other types of advance funding

Our business enables your storm restoration business to obtain immediate payment of your unpaid invoices. That way you can enjoy some of the same security your work brings to others!