Do you look at invoices to public clients?

Yes. Invoices to municipalities, school districts and other public bodies are part of what we look at. Public contracts can carry their own assignment rules, so tell us the client on the first call.

We sell services, not goods. Does that matter?

No. What matters is an invoice for work the client has accepted, such as a completed phase or milestone. Work not yet billed is not an invoice we can buy.

Will selling invoices affect our standing with the client?

You remain the architect or engineer of record and the client's point of contact. Every term, including how your client is told where to pay, is in writing before you sign.

Is this invoice factoring?

Yes. You sell us the invoices you choose, as a true sale. The full terms are set out in writing before you sign.

What happens on the first call?

Thirty minutes with our US team about your customers and your invoices. Nothing is signed.

Serving businesses in Ohio

Your alternative financing solution for architecture and engineering firms.

Flexible finance that replaces rigid, old-style borrowing. Stop waiting 90 days to get paid.

Get started or call +1 646 692 0079

Three short screens, then a 30-minute introductory call.

For US businesses that invoice other businesses on terms.

Your customers pay indays

Without us90 days

With ConvertibillIn days.

Once you are approved and the invoice is verified.

The US team opens at 9am Eastern. Leave your details and we call you then.

A quick yes or a quick no.We tell you quickly whether we can work together.
A sale, not a debt.We buy your invoices outright.
A named person to talk to.People you can call on our US team, not a call centre.
By Credebt®.Part of the Credebt Group, trading worldwide since 2011.

Part of the Credebt Group. Trading worldwide since 2011.

Convertibill is the United States business of a group that finances trade across Europe, Africa, Asia and the Americas, with offices in Dublin, Athens and Birmingham. Check the group for yourself

of trade financed by the group: EUR 1.5b
financed in 2026 to date: EUR 61.33m
trading worldwide since: 2011

Credebt Group figures, checked 11-Nov-2026. They describe the group, not the terms of any US purchase.

Trades the group has financed.

From the Credebt Group's own record. These are group trades, not United States ones.

Wood cargo to China
Twenty-five years in timber, and nobody would fund him.
A timber veteran starting out on his own needed his first shipment financed. The group funded it.
Manganese ore to India
He had the ore and the buyers, but not the finance.
A metals trader with twenty years in the business had ore lined up in Africa. The group became his financing partner.
Livestock to Libya
The contract was signed. The ship and the paperwork were not.
A second-generation cattle dealer needed finance, shipping and documents. The group found the shipping partner and funded the trade.
A mine in South Africa
A mine to buy, and equipment to bring in.
A young company was buying a mine and importing its equipment from China. The group financed the purchase and the start of excavation.

We know how design fees get paid.

Your team works a phase for weeks before you can bill it. Then the invoice waits on the owner's review, a construction draw or a public board's meeting cycle.

Who pays you

Private developers
Municipalities and public authorities
School districts and universities
General contractors and design-builders
Corporate and institutional owners

What we work from

Owner-architect and engineering agreements
Phase and milestone invoices
Client sign-off on each phase
Purchase orders from public clients
Sub-consultant agreements

Three ways to work with us.

Use one on its own, or combine them.

Sell your invoices
Sell the phase and milestone invoices you choose to developers and public clients, as a true sale, not a debt.
Get paid for your invoices
Pay your suppliers early
Credebt pays your sub-consultants early, and you pay Credebt on the terms you already have.
Get your suppliers paid early
Finance your equipment
Finance survey equipment, plotters, workstations and office fit-out, with Credebt paying the supplier and every term in writing before you sign.
Get your equipment working

Four steps. You are paid when we buy.

Invoices are often paid later than the date they are due. You don't have to wait. See each step

1
Choose the phase invoices.
Pick the clients and the approved phase or milestone invoices you want to sell.
2
Send the agreement and sign-off.
Share the client agreement, the invoice and the client's sign-off for that phase.
3
You're paid
You are paid when we buy the invoice, not when your customer pays.
4
Your customer pays Credebt
Your customer pays Credebt when the invoice falls due; how that is arranged with your customer is agreed with you before the first trade.

Why businesses choose Convertibill.

You choose what to sell.
Pick the customers and the invoices.
Judged on your customers.
The strength of the businesses that owe you counts, not only your own.
No blanket lien.
Nothing over your whole company.
Every term in writing.
You see each term and each charge before you sign.

Not borrowing. A sale.

We buy invoices you have already earned.

What you get	Bank borrowing	Convertibill
No blanket lien over the whole company	No	Yes
You choose which customers and invoices to sell	No	Yes
A true sale, not a debt	No	Yes
Judged on your customers’ strength, not only your own	No	Yes
Quick application and decision	No	Yes
Funded in days, once approved	No	Yes
Grows as your sales grow	No	Yes
Use it only when you need it	No	Yes
No monthly instalments	No	Yes

Built for businesses that are growing.

Say yes to the bigger order
Twice the order no longer means twice the wait.
Take on the new customer
A strong buyer on long terms becomes good news.
Hire ahead of the contract
Payroll is weekly. Your customers pay later. We close the gap.
Pay your suppliers on time
Suppliers paid on time give you their best terms.

Industries we serve.

Not listed? We still want to hear from you.

Questions your trade ask us.

Talk to our US team.

We work with design firms that carry months of fees on their books between phases.

Direct Dial

+1 646 692 0079

The US team opens at 9am Eastern. Leave your details and we call you then.

Get started

Three short screens, then a 30-minute introductory call.

Your alternative financing solution for architecture and engineering firms.

Part of the Credebt Group. Trading worldwide since 2011.

Trades the group has financed.

We know how design fees get paid.

Who pays you

What we work from

Three ways to work with us.

Sell your invoices

Pay your suppliers early

Finance your equipment

Four steps. You are paid when we buy.

Choose the phase invoices.

Send the agreement and sign-off.

You're paid

Your customer pays Credebt

Why businesses choose Convertibill.

You choose what to sell.

Judged on your customers.

No blanket lien.

Every term in writing.