Vyan · Ledger Invoicing · AR · Embedded financing One rail

Bill the work. Finance the ticket. On one rail.

Your accounting app bills but knows nothing about the job. A lender marketplace finances but sits outside the invoice, so the deal that needed it walks. Vyan Ledger is both: the customer sees the monthly payment at the moment they decide, and the balance never ages in silence.

Invoice INV-4471 · BalanceSent

Roof tear-off and underlayment$6,200.00

Architectural shingle, 24 sq$4,080.00

Less deposit on sign · 30%-$3,084.00

Balance due$7,196.00

Pay now

$7,196.00

Or finance from

$149 / moBEST

Fig. 01 One soft pull · every lender · second-look catch Ledger

1 rail

Bill and finance, not two tools

1 soft pull

Every lender, no credit-score impact

Setup fees, ever

Any amount

Self-serve partial pay

01 Billing and financing live in two tools The enemy is fragmentation, not a logo

You re-key every line from the proposal into the accounting app, then chase a balance that pays all at once or not at all. The lender marketplace is a separate tab, so the customer never sees a monthly payment while they are still deciding. The ticket that needed financing walks, and the invoice that needed a nudge ages quietly. Two tools, one cash flow torn between them.

Vyan Ledger collapses the split. The invoice follows the job, the lines come from what was actually sold, the customer pays any amount or finances on the spot, and you watch the aging instead of guessing at it. The operator bills. The relationship pays, now or over time.

02 QuickBooks-lite plus a lender marketplace, replaced by one The same four jobs, side by side

Axis The two-tool stack Vyan Ledger

Progress billing ·No job lifecycle, every phase billed by hand ∎Deposit, draw, balance, each idempotent per job

Line items ·Re-keyed by hand, drifting from what was sold ∎Pulled straight from the accepted proposal tier

Getting paid ·Pay in full or not at all, balances age silently ∎Self-serve partial pay, aging the operator can see

Financing ·Outside the invoice, offered too late to land ∎On the invoice, one soft pull, a second-look catch

03 The whole post-sale arc, turned into cash Five mechanisms · one rail

3.1 Progress billing tied to the job Deposit on sign, a draw at materials, the balance on completion. Each phase is its own invoice and never double-bills, so the schedule of values follows the work instead of your memory.

3.2 Line items from the won proposal A full invoice reads the accepted tier straight off the agreement. What you sold is what you bill, with no re-keying and no drift.

3.3 Self-serve partial pay Your customer pays any amount toward the balance from the invoice link. Status moves on its own, and overdue surfaces before the balance goes quiet.

3.4 The embedded lender shelf One soft pull shops every lender and marks the cheapest monthly as the best offer. No credit-score impact, and the customer sees the payment while they are still deciding.

3.5 The second-look waterfall, so no deal walks When prime lenders pass, the same soft pull cascades to a second-look tier automatically, so a qualified customer still gets an offer. Vyan is the rail the offers flow through, not the lender, and the lighter-fee partners pay the platform so the operator keeps more margin.

Free to start. Pay as you collect.

$0 to start · a simple per-payment fee · financing partners pay the platform

Unlimited invoices and progress billing, self-serve partial pay, the embedded lender shelf with the second-look catch, and AR aging the operator can actually read. Runs standalone on its own domain or composed in the Vyan console.

Start billing free →