# Building An Offer

**Build Offer** is the guided flow for requesting early payment on invoices from one or more customers. Throughout the app, you’ll find **Build Offer** buttons, your launch point for requesting early payment.

## Where to find it

Open **Early Pay** → **Build Offer** from:

- The center of the homepage
- The left navigation menu under **Early Pay**
- The button at the top of **Invoice Central** and **Offer Activity**
- Each customer row in **Offer Activity**

## Step 1: Select customers and divisions

Choose the customers and divisions to include in this offer. By default, all customers and divisions are selected. You can:

- Select individual customers using their checkboxes.
- Expand each customer and select divisions within using their checkboxes.
- Use **Select All Customers** to include all available divisions.

**To Edit the invoices of your selections:**

- Use the **Edit Invoices** button to include or exclude specific invoices before continuing (see _How to edit invoices_).

📝 _Note: Divisions that cannot be selected may already have an offer being processed, indicated by an **Active Offer** chip. Wait for processing to complete or manage the offer from the division details page._

Select **Next** to continue.

## Step 2: Choose frequency

Select how often the offer should run:

- **One-Time** — A single offer for the current set of invoices.
- **Recurring** — Continues to apply to current and future eligible invoices.

📝 _Note: Frequency options depend on the divisions you selected._

Select **Next** to continue.

## Step 3: Set your rate and pricing

Choose a rate for your selected divisions. For more details on pricing, check out the **Learn More About Rate Options** button.

Toggle between **APR** (rate per invoice based on days paid early) and **Discount Rate** (standard rate for all invoices):

- **Express Accept:** Immediate acceptance (available for One-Time offers).
- **Trending:** High chance of acceptance; reviewed at Market Processing.
- **Name Your Rate:** Set your own custom rate for review; reviewed at Market Processing.

📝 _Note: Some divisions use **Fixed** or **Variable** rates set by the customer and cannot be edited. Different rates per division, or use the **Apply to All** toolbar to select a single strategy across your selections._

Select **Next** to continue.

## Step 4: Review and submit

The review screen shows:

- Selected customers and divisions
- Invoice totals and estimated amounts
- Your rate and frequency
- An offer schedule, if you configured one for recurring offers

Confirm the details and submit. You are taken to a confirmation page with next steps.

## After you submit

1. **Confirmation** — You see a recap of what you submitted.
2. **Market processing** — Your offer is evaluated during Market Processing for each division. Processing times vary by customer.
3. **Customer acceptance** — If accepted, awards appear in **Early Pay History** and funds follow the **Estimated Deposit Date**.

## Cancelling or changing an offer

- Turn **Participation** off to stop an ongoing offer from applying to new invoices.
- Edit invoices on the division details page or through **Edit Invoices** in **Build Offer** to change which invoices are included.
- If you use an offer schedule, changes to participation may follow the schedule rules.

## Tips

- Review eligible invoices before submitting so totals match your expectations.
- Note the **Market processing** deadline shown during review—changes near the deadline may not apply until the next cycle.
- Use **Offer Activity** after submitting to monitor your offers for acceptance.