Keep your cash flow steady, even when your income isn't.

Freelancer friendly cash top-ups designed for slow months.
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Income security used to be something you got from a job.
Now it’s something you can get from Platypus.

Monthly cash top-ups made for people who have lumpy income

Access cash top-ups with flexible repayments, perfect for helping you get through your slow months or for when things don't go as planned.
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Determine your monthly average cashflow

Cashflow can be hard to keep track of. We've made it easy to quickly track your income and expenses so you can better plan and manage your money.
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"We've hit our projected numbers and more with the ability to take action with real-time data."
-Pritom Rani, VP Sales, Cobalt

Top-up your income in slow months

We know that getting paid can be a hit-and-miss situation.We’ll provide you with up to $2,000 in months when your income is down – that way you’re always covered.
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Pay back your balance in good months

Stop worrying about making fixed monthly payments, compounding interest or hefty fees -  benefit from flexible paybacks that match your cashflow ups and downs.
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One monthly fee

Simple monthly pricing that you can plan around.


For regular users
$29/per month
No fees on top-up balances
$2,000 total top-up limit
Monthly top-ups and flexible paybacks
Access all tools and features

Free for Beta Users

Limited to a small number of early customers, get one year fee-free!
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How to start taming your cashflow

Tell us more about you and your work

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Prioritize and plan out your time based on shifting business needs

Connect your bank accounts directly to Platypus

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Sync systems and departments so you no longer have to wait for numbers

We review your data and approve you if you are a fit

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Communicate with your team right on your dashboard to avoid crossed wires and lost emails

What people are saying

"As an independent, my cashflow is lumpy and I stress about paying the bills on time. Platypus ensures I always have the money I need and I don't need to worry about late payments anymore"
Colton Duncan
"One of the hardest parts of freelancing is the unpredictability in income. It's what stops so many people from taking the leap of faith. Platypus is going to change the world of freelancing forever by providing the job security so many people crave"
Alex Fasulo
"It’s hard to manage my finances as a freelancer, while also worrying about paying for health benefits, vacation pay, and 401K. With Platypus I stress less about my cash flow and managing my business."
Paulo Fragatti

Platypus integrates with thousands of US banks

We work with Plaid to securely and safely connect your data to our tools and use bank grade security and encryption throughout our technology.
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Relax.Your income is going to be fine.

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Frequently Asked Questions

Still feeling unsure? More questions? These might help!
What states is Platypus available in?
We are currently available in most states except: Arizona, California, Georgia, Hawaii, Michigan, Mississippi, Nevada, Rhode Island, South Carolina, South Dakota, Utah and Washington D.C.
How much of a cash top-up can I get monthly?
You can borrow up to $2000 at any one time. Once you've borrowed $2000 you won't be able to borrow any more until you pay us back some of the amount you owe us.

How much does it cost?
Platypus services usually cost $29/month. We're currently offering them free for a limited number of beta users. If you’re interested, apply for our beta on our website today so you don’t miss out
How do I qualify for cash top-ups?
We’ll take a look at the type of work you do, your income over the last year, and what you expect to make going forward. We’ll also pull a credit report for fraud and identity protection purposes.
What happens if I don't want a cash top-up one month?
If you’re eligible for a top-up of your income but decide you don’t want to take it that month, no problem.  Just let us know when we send out your monthly reminder and we won’t top-up your income that month.
Do I have to pay interest?
We do not charge you an interest fee, pay only $29/month for your membership. No extra fees and no hidden charges.

How do I payback the cash top-ups I've received?
We’ll track your income, and in months when you make more than usual we’ll help you pay back what you owe. You'll need to pay us the amount more than your usual monthly income or the money owing, whichever is less.

What happens if I can't payback my balance?
We understand freelance income can be lumpy and you may have periods of time when you can’t repay your balance.  That’s ok, just pay us back when you’ve got more money coming in.  If your balance is still outstanding after 12 months, we’ll have to re-evaluate your base amount and discuss an alternative repayment plan.
How do I cancel my account?
You can cancel your account anytime by contacting us at Once canceled, you will need to start paying back any money you owe right away. You don't have to pay it back all at once, but at the rate and timeline outlined in your account agreement.
Will this affect my credit score?
Submitting your application will not affect your credit score. We will do a soft credit check to see if you qualify and this does not affect your credit score or cost you money.If you're approved, we’ll do a hard pull with the credit bureau. This may affect your credit score like other types of credit.