Bonsai is an all-in-one business management platform for freelancers and service teams, covering CRM, proposals, contracts, invoicing, time tracking, and expenses.
from $9/user/mo
About Tranch
What Does Tranch Do?
Tranch is a B2B invoice-to-payments platform (part of Elite) that helps enterprises optimize cash flow by offering business clients a seamless payment experience. It automates invoice delivery, provides flexible payment options, and streamlines accounts receivable workflows.
What Problem Does It Solve?
Manual invoicing and slow client payments strain cash flow for law firms and other enterprises. Tranch solves this by combining automated invoice delivery, AI-driven credit insights, and a client portal that offers Pay Now (ACH, FedNow), Pay Later (up to $500k with zero credit risk to you), and Pay by Card (PCI-compliant).
Who Is It For?
Designed for enterprise finance teams, especially in law firms, who need to accelerate collections and reduce check-based payments. It is ideal for businesses with recurring revenue or high-value invoices. It is not suited for small businesses or those needing basic invoicing without payment flexibility.
Real Use Cases
A law firm sends automated invoice reminders via ERP integration; clients choose to pay over 3–12 months via Pay Later, and the firm gets funds in under 24 hours. Another enterprise uses AR automation to cut check payments by 50% and get paid 40% faster.
Key features
- Pay Later — Offer clients flexible payment terms up to $500k with zero credit risk to your business.
- Pay Now — Free instant payment processing via ACH, FedNow, and Faster Payments.
- Pay by Card — PCI-compliant card payments with virtual terminal for telephone orders.
- Recurring Payments — Automate collections for subscriptions or retainer agreements.
- Invoicing Automation — Email invoices and statements automatically from your ERP or within Tranch.
- Credit Insights — AI-driven credit insights to assess client risk and collaborate on receivables status.
- ERP Integrations — Connect with cloud or on-premise ERP systems for seamless data flow.
SaaSpartout Score
7.4
/10
Editorial score from our review methodology — not user ratings.
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Tranch Pricing
Tranch pricing: Custom quote (contact sales).
For comparison: the median starting price in Finance & Accounting is $20/month, measured across 145 tools we track. See the full SaaS Pricing Index →
Pay Later
Clients can split invoices up to $500k over 2–12 months. Your business receives payment in under 24 hours with zero credit risk. Pricing varies by term and invoice value (e.g., $34,334/mo for 3 months on $100k invoice).
Pay Now
Free instant ACH, FedNow, and Faster Payments processing. No additional fees for your business.
Pay by Card
PCI-compliant card processing with virtual terminal — transaction fees apply (standard card processing rates).
Contact Tranch for enterprise AR automation and custom pricing. No free trial is listed.
Frequently asked questions
How much does Tranch cost?
Tranch does not publicly list a flat starting price. Pay Now (ACH/FedNow) is free for your business. Pay Later pricing depends on the invoice amount and term — for example, a $100,000 invoice paid over 3 months costs $34,334/month. Contact Tranch for a custom quote.
Is Tranch free?
Pay Now (ACH/FedNow) processing is free for your business. Pay Later and Pay by Card options have associated costs, but no free trial is currently advertised.
What is Tranch used for?
Tranch is used by enterprises, especially law firms, to automate B2B invoicing and offer clients flexible payment options — Pay Now, Pay Later (up to $500k), or Pay by Card — to accelerate cash flow and reduce manual collections.
Who is Tranch best for?
Tranch is best for enterprise teams in law firms or other B2B industries that send high-value invoices and want to offer clients payment flexibility without taking on credit risk. It is less suited for small businesses or consumer payments.
What are the top alternatives to Tranch?
Top alternatives include Bill.com, Melio, Veem, and Versapay. These platforms also offer B2B payment automation and invoice management, though Tranch’s unique Pay Later with zero credit risk and up to $500k limit is distinctive.
Does Tranch integrate with my ERP?
Yes, Tranch integrates with both cloud and on-premise ERP systems. Specific ERPs are not listed on the homepage, but it is designed to work with major enterprise ERPs for automated invoice delivery and reconciliation.
