Kickpay joins the W15 batch of YC: 

“Cash flow is all important for small businesses — it’s the difference between life or death — so it is frustrating when customers don’t pay invoices up front. Nothing puts a strain on finances quite like waiting 30, 60 or 90 days for your money, and that’s not even mentioning the resources spent following up and chasing down payment.

Scenarios like this are where Kickpay, a startup that is graduating Y Combinator‘s latest batch, hopes to make a difference.

Kickpay’s service is essentially a secondary market for invoices. Companies, and in particular more-financially conscious SMEs and startups, post details of confirmed invoices which are sold to investors who can get a quick return on their money. The arrangement gives the seller most of their capital upfront — avoiding the painful, often critical, wait for funds — while Kickpay claimed an investor can get a ‘double-digital’ return on an annual basis.”