Q: What happens if the US payor delays or defaults on payment?

Grace Period: A 7-day grace period is granted for standard processing delays. Recourse Policy: If the payor fails to settle the invoice within 7 days past the due date, Higlobe will work with you to resolve the balance via future earnings reconciliation, offset against incoming payor transfers, or voluntary repayment arrangements.

Question 1

What is Higlobe’s Monthly Advance service?

Accepted Answer

Higlobe’s Monthly Advance service is a factoring service that allows active contractors and service providers to access funds based on their upcoming, expected payments from eligible US payors before the official due date. By selling these receivables to Higlobe at a small discount, you obtain immediate liquidity instead of waiting out standard payment terms (e.g., “due in 30 days”).

Question 2

Who is eligible to use the Monthly Advance service?

Accepted Answer

To be eligible, you must satisfy all of the following criteria:

Account Standing: Maintain an active Higlobe account in good standing for at least 90 days, free of compliance or fraud flags, with fully verified identity and bank details (KYC/AML verified).
Payor Status: Work with a verified US payor paying you through a US-based payroll platform.
Active Platform Membership: Be an active, verified member on the designated payroll or invoicing platform used by your US payor (Deel, Gusto, etc.).
Historical Track Record: Have at least 3 to 4 successful prior payout cycles processed through Higlobe from the payor for which you will request an advance payment.

Question 3

Which payors and platforms are currently supported?

Accepted Answer

The Monthly Advance service will be offered for contractors receiving recurring payments via integrated US payroll platforms (e.g., Deel, Gusto, Rippling, Oyster) or directly from approved enterprise US clients who have been pre-screened and onboarded by Higlobe.

Question 4

What types of receivables qualify for a Monthly Advance?

Accepted Answer

To qualify for an advance, the advance must be related to payments processed by a US payor through a payroll platform with 3 months of recurring deposits from the same payor. You must verify active status on the payroll platform with this payor. For other non-recurring payments, you must submit an invoice to Higlobe.

Question 5

Can I request an advance for a portion of an invoice?

Accepted Answer

Yes. In fact, advances offered by Higlobe never exceed 70% of the expected payment. You can also choose an amount lower than the one offered by Higlobe, provided the requested portion meets the minimum transaction threshold ($100).

Question 6

Are there any hidden fees or late penalties?

Accepted Answer

Beyond the initial advance fee of up to 3% of the advance amount, there are no hidden subscription or origination fees. If the US payor pays on time, the fee deducted at approval is the total cost. If the payor delays payment beyond the due date, a grace period of 7 calendar days applies before additional recourse or late fee adjustments take effect.

Question 7

How fast are funds disbursed after approval?

Accepted Answer

Once your advance is approved, funds are disbursed within one business day to your Higlobe USDC wallet, where you can use them like any other funds in your wallet.

Question 8

How is the advance repaid when the payor pays?

Accepted Answer

When your payor processes your invoice on the scheduled payment date, the funds are automatically routed to your Higlobe clearing account. Higlobe automatically reconciles the incoming transfer against the outstanding advance. The remaining balance is instantly deposited into your main Higlobe wallet available balance.

Question 9

What happens if the US payor delays or defaults on payment?

Accepted Answer

Grace Period: A 7-day grace period is granted for standard processing delays.

Recourse Policy: If the payor fails to settle the invoice within 7 days past the due date, Higlobe will work with you to resolve the balance via future earnings reconciliation, offset against incoming payor transfers, or voluntary repayment arrangements.

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