What's New in Hopscotch Flow?
Hopscotch Flow has been rebuilt from the ground up to give growing businesses more flexibility, automation, and access to working capital. Below, we’ll walk through the key differences between the original version of Flow and the new, upgraded experience — so you know what to expect.
From Invoice-Based Advances to AR-Pooled Credit
Before:
The original version of Flow allowed users to advance funds against individual invoices. You’d select an invoice and receive funds based on that single transaction. The advance was repaid when the invoice was paid by your client — or when the due date arrived and you paid back the funds you owed.
Now:
With the new version of Flow, your entire Accounts Receivable (AR) balance determines your available credit. This is called a pooled AR line of credit. Rather than flowing invoice by invoice, you now draw from a total credit line — and repay over time in preset installments.
Installment-Based Repayment (Not Invoice Due Dates)
Before:
Repayment was due when the associated invoice came due. That meant different repayment timelines for every invoice you flowed.
Now:
Every time you Flow funds, a preset installment plan is generated. Funds are automatically repaid in even installments over a fixed period — giving you predictability and peace of mind.
Auto-Debit = No Manual Repayment Required
Installments are automatically debited from your linked payment account on the scheduled dates. No manual steps required. As long as you maintain a sufficient balance, your loan will repay itself over time.
How Your Credit Limit Grows
To access Flow, you’ll need to first build up a history on Hopscotch by:
- Sending invoices
- Getting paid by unique clients
- Completing transactions successfully over time
As your AR increases and you successfully repay your installments, your available credit limit may increase as well.
Summary of Key Differences
Feature |
Original Flow |
New Hopscotch Flow |
| Advance Basis | Individual invoices | Pooled AR (total outstanding) |
| Repayment Trigger | Invoice due date | Installment schedule |
| Repayment Method | Manual or invoice-based | Auto-debit from payment account |
| Credit Growth Criteria | On-time payments | AR growth + on-time installment payments |
| Access Requirements | Immediate upon invoice submission | Transaction history with unique clients |
| Risk of Revocation | Yes – after multiple overdue payments | Yes – after multiple failed debits |
Ready to Get Started?
- Sign up for Hopscotch
- Verify your business
- Link your payment accounts
- Build transaction history
- Get access to Flow
Still have questions? Reach out to support@gohopscotch.com — we’re happy to help.