Invoice management and immediate payment options, all-in-one

Manage all your invoices in one place. Pay bills in installments or get paid out immediately - whenever you need the flexibility

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How it works

Receive or add bill

Receive a bill in your inbox, or add it yourself by uploading a bill or simply inputting the details

Choose your payment method

Pay any vendor via bank transfer or card.  More copy to match second point consistency (UX)*

Pay on your schedule

Pay the full bill on the spot when you’re ready, or pay it over installments if you need to free up cash to meet the due date.

Generate invoice

Create an invoice with all the key terms in just a few steps. More copy to match second point consistency (UX)*

Send a payment request

Send your customer an invoice with a built-in pay button, making it easier for them to pay you.

Generate invoice

Wait to get paid as per the terms you offered, or get paid out immediately through Pendulum if you need the cash on hand.

More on immediate payments

Installments for Buyers

Pay off invoices on your own schedule

No more choosing between burning through your cash reserves or paying vendors late. Buy now and pay later in personalized installments, your vendor gets fully paid up front.

Coming soon
Payouts for Sellers

Turn unpaid invoices into cash on hand

Get paid up front for outstanding invoices so you can just focus on growing your business. No hidden fees or terms, just choose the offer that works best for you.

Coming soon

Save time

Invoicing management doesn’t have to be a complex process. Access Pendulum wherever you are, and simplify your payments experience.

Free up cash

Don’t just wait on net terms or let one bill throw everything into disarray. Use Pendulum’s immediate payment offerings to manage your cash flow.

Manage your relationships

Your relationships are your greatest asset, and the timing of payments shouldn’t jeopardize that.

Who we are


Co-founder & CEO

Prior to founding Pendulum, Omar worked at Bridgewater Associates, advising institutional investors on matters related to their portfolio construction. Omar holds a B.A. in Political Economy from UC Berkeley, and is passionate about levelling the playing field for small businesses.


Co-founder & CTO

Nick is a postdoctoral transportation engineering and urban planning scholar at UC Berkeley. He comes from a family of small business owners and is now applying his skills in systems design and data science towards financial inclusion and empowerment for small businesses.

Join Pendulum

Focus on what matters most for your business.

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