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Dash.fi offers two ways to use a cash advance against your available credit line: a standalone draw to Dash Cash, or an advance applied inline when you pay a bill.

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Standalone cash advance

Access this from Spend → Cash Advance in the left-hand navigation. A standalone advance draws funds from your credit line and deposits them into your Dash Cash account within 1–3 business days. Once in Dash Cash, you can use the balance to pay card spend, bills, or other obligations.

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How it works

  1. Click Request advance
  2. Enter the advance amount
  3. Select a term — 30, 60, or 90 days
  4. Review the fee and the net amount you’ll receive
  5. Confirm — funds arrive in your Dash Cash account within 1–3 business days

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Fee structure

A fee is charged based on the term you select. The fee is deducted from the principal:
  • You receive: principal amount − fee
  • The full principal (including fee) is due at the end of the term
The fee rate for each term is shown at the time of the request. Longer terms carry a higher fee rate.

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Repayment

Your advance is due on the due date (draw date + term). Repayment is automatic from your Dash Cash account. If a payment isn’t made by the due date, the advance moves to past due status. You can view all advances and their status in Spend → Cash Advance → Activity.

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Bill pay cash advance

When you pay a bill, you can turn on Pay in N days to have Dash.fi pay the vendor now and debit your bank account N days later. The option surfaces as its own row above the payment method list on the bill sheet, with the term, fee rate, and repayment date shown inline. Use it when you want to pay a vendor on time but hold cash for the term of the advance.

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The Pay in N days row

Each customer is offered a single term — 30, 60, or 90 days — that matches the term of their Dash.fi account. Every eligible bill shows the same Pay in N days row above the payment method list. There’s no per-bill term picker; the term is fixed to your account. The row leads with the term and carries a badge naming where that term came from:
  • Account default — the org-wide default from Bill Pay → Settings → Terms.
  • Vendor name default — a per-vendor rule from Bill Pay → Settings → Terms → Vendors.
  • Recommended — no explicit default is set for this bill.
The row only appears if your account is on a supported term (30, 60, or 90 days) and the feature is enabled for your workspace. Accounts on any other term don’t see the offer.
Approvers on the Manager or Employee role don’t have bill-config:read and won’t see the Pay in N days card on a bill sheet. The card only shows for roles that include bill config read access.
Pay in N days requires the Bank account payment method. When the advance is on, the bank-account row is selected automatically; picking Single-use card or Pay outside dash.fi turns the advance off.

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Turn Pay in N on for a bill

  1. Open a bill on the bill sheet.
  2. In the Pay in N days row above the payment method list, flip the switch on. Dash.fi selects the Bank account method for you.
  3. Expand the terms explainer below the switch to see the shared terms timeline: the vendor’s name, the fee amount, the repayment date, and the bank account the repayment debits from. This is the same timeline shown in Bill Pay → Settings → Terms, so the wording matches between the two.
  4. Choose the payment schedule. Dash.fi shows three tiles that all speak in arrival dates (when the vendor gets paid); the send date is worked back automatically:
    • Pay today — sent today, arrives after standard ACH delivery.
    • On the due date (default) — worked back so the vendor is paid on the invoice due date. Disabled if there isn’t enough lead time.
    • Choose a date — pick any arrival date from today; Dash.fi back-solves the send date and shows it read-only next to the picker.
  5. Choose the vendor bank account to pay.
  6. Review the summary below the tiles. Dash.fi restates when the vendor is paid, when the fee is charged (within 24 hours), and when your bank account is debited for the invoice amount.
  7. Submit the bill through your usual approval flow.
After you submit, the bill sheet’s Review step stays available read-only, so you can reopen the bill and confirm the schedule, fee, and repayment at any time. The bill’s activity timeline projects the fee alongside the repayment, ordered by date, so you can see the full sequence with the real dates.

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Fee and repayment

  • Fee — a percentage of the invoice amount, at the rate shown in the terms timeline. The fee is charged within 24 hours of the vendor being paid, on top of the invoice. The bill’s activity timeline carries the real fee date.
  • Vendor payment — Dash.fi pays the vendor the full invoice amount by ACH on the send date worked back from the arrival date you picked.
  • Repayment — the invoice amount is debited from the bank account named in the terms explainer, N days after the vendor is paid.
The repayment schedule (eligibility, offered term, and repayment cadence) is driven by your bill config, so the settings page, the bill sheet, and the activity timeline all agree.

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Apply for Pay in N days

If your account is on a supported term but you haven’t been approved yet, the row shows an Apply button. Click it to open the application. Once submitted, the row switches to Pending until Dash.fi issues your term. The insufficient-funds nudge in the ACH funding-source picker also offers a Pay in N days instead shortcut when the selected bank account can’t cover the bill.
Bill pay cash advance is feature-gated. If you don’t see the Pay in N days row on a bill, contact support at support@dash.fi to check eligibility.