> For the complete documentation index, see [llms.txt](https://help.impact.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.impact.com/brand/what-would-you-like-to-learn-about/platform-features/finance/add-funds-to-your-funding-account/net-45-soi-funding-strategy.md).

# Net 45 (SOI) Funding Strategy

The *Net 45 (SOI)* strategy relies on you to fund your account according to partner payments invoices that have been generated. The sum of financial obligations found on these invoices can be found on the [Statement of Invoices](/brand/what-would-you-like-to-learn-about/platform-features/finance/add-funds-to-your-funding-account/understand-the-soi-and-prf-documents.md) (SOI). This document is generated after partner payments invoices for the prior month have been created, **and is not itself an invoice**. Partner payments invoices must still be settled individually. Learn how [invoices get settled](/brand/what-would-you-like-to-learn-about/platform-features/finance/finance-explained-for-brands.md).

## Key characteristics

* Optimal for action locking periods longer than 30 days.
* Best for funding your account after actions lock.
* Useful if you need less than 2 weeks to settle invoices.
* Relies on invoiced financial obligations to inform how much to fund your account.

## Necessary financial documents and settings

* [Statement of Invoices](/brand/what-would-you-like-to-learn-about/platform-features/finance/add-funds-to-your-funding-account/understand-the-soi-and-prf-documents.md) (SOI)
* [SOI document settings](/brand/what-would-you-like-to-learn-about/platform-features/finance/add-funds-to-your-funding-account/manage-funding-account-document-settings-as-a-brand.md)
* [Partner invoice](/brand/what-would-you-like-to-learn-about/platform-features/finance/finance-documents/partner-payments-invoices-explained-for-brands.md)

## Strategy in action

Let's use the following *Schedule* data from a sample template term:

* **Action Locking:** Actions are locked **1** month and **0** days **after the end of the month** they are tracked.
* **Payout Scheduling:** Actions are paid **15** days **after the end of the day** they lock.

So what does this look like in practice?

1. Let's say your partners drive actions in the month of January. Both the end of the month, all actions that occurred in January remain in a pending state.
2. Throughout the month of February, those actions from January remain pending, which gives you time to modify or reverse any of them (like if an order is returned).
3. All the actions from January lock on the last day of February, clearing them for payout. Partners can now see their payout amounts in their earnings accounts as *Pending*.
4. On 01 March, impact.com generates the SOI document, summarizing the amount due for all invoices for actions that occurred in January. This document includes a payment date of 15 March—this date is based on the payout schedule specified in your contracts.
5. You must add the amount specified by the SOI to your [funding account](/brand/what-would-you-like-to-learn-about/platform-features/finance/add-funds-to-your-funding-account/your-funding-account-overview-explained.md) before the due date, which in this example is 15 March.
   * If you don't add funds to your funding account in time, your account will enter default and the payment will be due immediately. Your partners won't receive payouts until you fund your account, and they will be directed to contact you regarding their pending payouts.

```mermaid
flowchart LR
    %% Timeline Flow
    subgraph Timeline [Example Timeline]
        Jan["📅 January\n• Partners drive actions\n• All actions stay PENDING"] 
        Feb["⏳ February\n• Actions remain pending\n• Period to modify/reverse returns"]
        EndFeb["🔒 End of February\n• Actions LOCK\n• Partners see pending earnings"]
        Mar01["📄 01 March\n• impact.com generates SOI\n• Payment due 15 March"]

        Jan --> Feb --> EndFeb --> Mar01
    end

    %% Decision and Outcomes
    Mar01 --> Choice{"By 15 March?"}
    
    Choice -->|Funds Added| Success("✅  On-Time Payout\nPartners receive funds smoothly")
    Choice -->|No Funds| Default("❌  Account Default\n• Payment due immediately\n• Payouts paused\n• Partners told to contact you")

    %% Modern Theme Styling (Native Syntax)
    style Timeline fill:#f4f5f7,stroke:#d2d6dc,stroke-width:2px,color:#333
    style Jan fill:#e3f2fd,stroke:#2196f3,stroke-width:2px
    style Feb fill:#fff3e0,stroke:#ff9800,stroke-width:2px
    style EndFeb fill:#fafafa,stroke:#616161,stroke-width:2px
    style Mar01 fill:#ede7f6,stroke:#673ab7,stroke-width:2px
    
    style Choice fill:#ffffff,stroke:#37474f,stroke-width:2px
    style Success fill:#e8f5e9,stroke:#2e7d32,stroke-width:2px,color:#1b5e20
    style Default fill:#ffebee,stroke:#c62828,stroke-width:2px,color:#b71c1c
```

## Want to change your funding strategy?

Reach out to your CSM (or [contact support](https://app.impact.com/support/portal.ihtml?createTicket=true\&accountType=ADVERTISER)) to talk with impact.com about changing your funding strategy. This may affect any active contracts you have with partners, and you may need to update template terms. Work with your support agents to make sure all relevant financial details are up-to-date with the funding strategy you want to use.


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