You’ve Done the Work. Delivered the Product. Now You’re Waiting to Get Paid for It.
Secure Stream helps independently owned B2B businesses get paid faster, reduce what they spend on payment infrastructure, and access the capital already sitting in their receivables — so they can fund their own growth instead of their clients’.
The Work Is Done. The Invoice Is Out.
Now You Wait.
You run a real business with real clients, real volume, and real obligations that don’t pause while you wait for net-30 to become net-60 to become a phone call asking where the check is.
Paper checks that take days to clear. Invoice cycles that favor the buyer. A bank that sees your receivables as a liability rather than the asset they are. Most payment advisors don’t specialize in B2B — they won’t talk about a Commercial Enhanced Data Program (CEDP), AR financing, or digital invoicing that cuts days off your average collection time.
And while you’re absorbing those delays, more of your vendors are passing their processing costs on to you at checkout. The fees that used to be invisible are showing up on every invoice. The businesses that structure their own payments correctly stop absorbing those costs entirely. The ones that don’t keep paying them on both sides of the transaction.
You’ve earned the revenue. The question is how quickly you can access it — and how much you keep after the infrastructure takes its cut.
What We Do
Payment
Processing
What you need is someone who understands your world well enough to give you a straight answer — not someone trying to close a deal.
Marketing
& Visibility
The right clients are out there looking — the question is whether they find you. We build targeted marketing strategies for the industries we serve that drive real, measurable growth.
Lending
& Capital
We work with a network of over 150 lending products across 67 lenders — capital credit, equipment financing, cash flow financing, AR financing, SBA loans, debt restructuring, and more — matched to your specific situation, not a generic template.
Get Paid Faster
Digital Invoicing and Payment Links
Every day an invoice sits in a client’s inbox as a PDF is a day it isn’t being paid. We implement digital invoicing and payment link workflows that make it easier for clients to pay — which means they pay sooner.
The Fastest Way to Improve Cash Flow Is to Close the Gap Between Delivery and Payment
Paper checks are slow, manually intensive, and create reconciliation delays that compound across a high-volume operation. Moving clients to electronic payment methods — whether card, payment link, or digital invoice — reduces collection time, eliminates manual handling, and gives your team real-time visibility into what has and hasn’t been settled.
Commercial Enhanced Data Program (CEDP)
If your business accepts credit cards for large B2B transactions, the interchange rate you’re paying is almost certainly higher than it needs to be. A Commercial Enhanced Data Program (CEDP) qualifies large B2B card payments for meaningfully lower interchange rates
Software and ERP Integration
If your business runs on an ERP or field service platform, your payment infrastructure should be integrated into it — not operating alongside it. We eliminate manual reconciliation and give your team real-time visibility into what has and hasn’t been collected.
Lending & Capital
Over 150 Lending Products Across 67 Lenders — Matched to Your Business.
Traditional banks weren’t built for the way independently owned B2B businesses operate. We work across a broad network of lending products to find the right fit for your situation — whether that’s accessing the capital in your receivables, funding equipment, restructuring existing debt, or securing commercial real estate.
Business Financing
- Capital Credit (Secured & Unsecured) — flexible credit lines tailored to your credit profile and collateral availability
- Asset Financing — leverage existing assets to unlock capital tied up in equipment or property
- Cash Flow Financing — funding based on projected cash flows, ideal for businesses with strong revenue but limited hard assets
- Equipment Leasing & Financing — acquire essential equipment without upfront costs, preserving working capital
- Debt Restructuring — consolidate and reorganize existing debt to improve cash flow and reduce financial strain
- Accounts Receivable Financing — convert outstanding invoices into immediate cash, enhancing liquidity without waiting on net terms
Commercial Financing
- Real Estate Purchase & Refinancing — funding for acquiring or refinancing commercial properties
- Renovate, Rehab, Buildout — finance property improvements or expansions
- SBA 7(a) & 504 Loans — government-backed loans with favorable terms for various business purposes
Specialty Products
Bridge Financing — short-term loans to bridge gaps between immediate needs and long-term financing
Merchant Financing — advance funds based on future credit card sales for businesses with consistent transaction volume
Fix-N-Flip Financing — capital for purchasing, renovating, and reselling properties
Success
Invoices paid in days instead of weeks. Processing costs that reflect the scale of your transactions. Capital accessed on terms that reflect the actual strength of your business. Payment infrastructure connected to the software your business already runs on. And the ability to take on the next opportunity without waiting for the last one to clear.
Testimonials
Who You’re Working With
Samantha Strauss, CPP, founded Secure Stream as a small business owner who encountered the same frustrations her B2B clients face. The payment infrastructure wasn’t built in her favor. The lenders weren’t responsive. The advisors were selling products, not solving problems. That firsthand experience is the foundation of everything Secure Stream does.