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    Anytime Capital
    Agencies & Services

    Retainers that bill themselves, contractors that get paid on time

    Agency cash flow is a timing problem: clients pay on their schedule and your team expects theirs. Automatic retainer billing, deposits before kickoff, and batch contractor payouts from the same balance.

    Get startedTalk to our team
    • Recurring retainer billing
    • Deposits before kickoff
    • Batch contractor payouts
    Agency · This month

    $142,800.00

    Retainers billed · 18 clients

    • Retainers auto-billed18 clients
    • Awaiting payment$21,400.00
    • Contractor run queued14 people
    Auto-billingProject depositsBatch payoutsApprovals

    The problem

    The squeeze between getting paid and paying out

    You carry the cost of the work before the client pays for it, and every week of delay comes out of your own balance.

    Retainers re-invoiced by hand

    The same eighteen invoices, every month, typed again — and one busy week means a month's billing slips.

    Work starts before the deposit

    Kickoff happens on goodwill, and the deposit conversation gets harder the further into the project you are.

    Contractors paid one at a time

    Fourteen freelancers, fourteen separate transfers, all done manually on the same afternoon.

    You're financing the client

    Net 45 from a client and net 7 to your team means the gap is coming out of your own account.

    Scope changes lose their paper trail

    Extra work gets agreed in a call and invoiced from memory, which is where the disputes start.

    Business and project money mixed

    Client funds, operating costs and pass-through spend all sitting in one balance makes margin invisible.

    What you'd use

    Both sides of agency cash flow

    Money in and money out on the same account, so the gap between them is something you can see and manage.

    Invoicing

    Retainers bill on schedule and chase themselves, so billing isn't a monthly ritual.

    Bill pay

    Pay the whole contractor roster in one run, with approvals over your threshold.

    Customer management

    Every client's invoices, payments, documents and scope conversations on one record.

    Business checking

    Sub-accounts to separate operating money from client and pass-through funds.

    Business debit cards

    Issue cards to your team with per-user limits and real-time visibility.

    Payments

    Accept cards, bank transfers, wallets, pay over time and stablecoins from a single account.

    Identity & verification

    Know exactly who you are dealing with

    The same identity checks that clear customers onto our own platform, opened up for yours. Send a link, and the customer proves who they are from their phone — no app, no account, no reader on your counter.

    You are about to put a team on a retainer for a company you met on a call, and pay contractors you have never met in person. Verify both ends of that — the client signing and the contractor getting paid — without adding a week to the start date.

    • Face match with liveness

      A selfie checked against the photo ID, with liveness in the flow — so it is the actual person, not a photo of one.

    • Cards checked in real time

      The customer shows the card they are paying with and it is verified on the spot, before you hand anything over.

    • ID and document capture

      Licenses, permits, insurance certificates and tax forms collected from the customer's phone camera, with expiry tracked.

    • Device intelligence

      The device behind the payment is recognised — including the ones that have failed you before, through cleared cookies and private browsing.

    • Your branding, your coloursRolling out

      The verification step carries your name and palette, so it reads as part of your business rather than a hand-off to someone else's.

    • 3-D Secure step-upRolling out

      Push a high-value card payment through issuer authentication and move the chargeback liability off your books.

    Verification session

    Live
    • Face match & livenessWaiting
    • Card checked · ending 4242Waiting
    Checking who this actually is…

    Getting started

    Up and running in an afternoon

    No implementation project and no migration weekend. Open the account, connect what you already do, and start moving money.

    1. 1

      Open a business account

      With sub-accounts to keep operating, client and pass-through money apart.

    2. 2

      Set retainers to recur

      Monthly billing that sends and follows up without anyone remembering to do it.

    3. 3

      Take a deposit at kickoff

      A link paid before work starts, rather than a conversation halfway through.

    4. 4

      Run one contractor payout

      The whole roster paid together, each by their own preferred method.

    Businesses on the platform
    1,000+

    Businesses on the platform

    US states supported
    43+

    US states supported

    US-based support
    24/7

    US-based support

    Monthly platform fees
    $0

    Monthly platform fees

    Frequently Asked Questions

    Can I bill all my retainer clients automatically?

    Yes. Set each retainer to recur and it invoices on schedule, sends itself and follows up if it goes unpaid. Adding or changing a client is a one-time edit rather than a monthly task.

    Can I pay a whole roster of freelancers at once?

    Yes. Run a batch payout and each contractor receives their payment by their own preferred method, including bank transfer and stablecoin for people overseas.

    Can I require approval before large payments go out?

    Yes. Set a threshold above which a second authorised person must release the payment, which matters when several people can initiate spend.

    How do I keep client funds separate from operating money?

    Sub-accounts let you hold pass-through and client money apart from your operating balance, so what is actually yours stays visible without opening several banks.

    Can I take a deposit before starting work?

    Yes. Send a checkout link or a deposit invoice at kickoff and bill the balance on milestones, with both halves tracked against the same client and project.

    Close the gap between billing and paying

    Open a business account, set your retainers to bill themselves, and pay your whole contractor roster in one run.

    Get startedBrowse all solutions
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