Supply Chain Financing

An unsecured (non-recourse) revolving line of credit which can be used to pay 100% of your supplier invoice(s).

• Once you are approved you simply place your order with your supplier(s) on our lender’s transaction platform.
• They then ship the goods to your company.
• Once you certify the goods are received, you approve payment, and our lender pays your supplier 100% of the payment.
• You then repay our lender at a later date (if you choose to only fund the purchase order portion of your supply chain life cycle).
• If you choose to finance the entire supply chain trade cycle, you can invoice your customers via our lender’s transaction platform, your customer pays our lender and you receive the residual funds.

Typical industries which use purchase order financing are Manufacturers, Importers/Exporters, Wholesalers, Resellers, Distributors, Logistics.

Companies can use the facility as working capital for growth, to improve cash flow and to eliminate administrative bottlenecks and costs inherent in traditional supply chain finance.

A typical use would be to pay your overseas suppliers at Purchase Order issuance, thereby allowing you time and flexibility to receive the goods, manufacture them into a final product and ship them to your customers.

• You must be a U.S. or Canadian based company or US subsidiary of a foreign company
• 20% Gross Profit Margin or greater
• No outstanding judgments, tax liens or bankruptcies
• Annual Revenue of $2M to $500M 
• Experienced Management Team (Start-Ups with trading experience OK)
• Purchase transactions with suppliers range from $25k – $5M each
• Revenue Cycle from supplier Payment (A/P) until End-Buyer customer Invoice ranges from 30 to 150 days (not including end-buyer A/R credit terms)
• Your Revolving Trade Facility credit needs range from $250k to $25M
• Your Customers (End-Buyer) must be US or Canadian companies or governmental entities with excellent credit

• It allows your company to achieve significant growth by providing a critical capital injection at the supplier stage of your trade cycle when you need it
• Full non-recourse payment early in the supply chain cycle
• Quick, simple and paperless processing once you are onboarded. The funds will always be ready, available  and reusable when you need them.
• No collection risk. Our lender is counting on your customer to pay the invoice, rather than expecting you to pay. If a customer fails to pay for any reason, the lender is at risk of a financial loss, rather than your business.
• Funding can be used for both goods and services

• Can be more expensive than traditional loans. Fees are charges monthly.
• Your suppliers and customers will be made aware of your financing. While this may seem like a disadvantage, it’s good for your suppliers since they know they will be paid by a large A+ financing company. Similarly, your customers will know they are paying a large A+ financing company to ensure their orders are filled.

Things we’ll need from you:

1. Client Company info: Name, address, phone, email, owners and key contacts
2. Time in business: Years / Months
3. Business description: Industry, describe company’s business, specialty & niche
4. Buying: a) What products and services are purchased?; b) What are typical $$ amounts of purchase tranches?
5. Selling: a) What finished products and services are sold?; b) What percentage of company sales are B to B and B to C?; c) What does the typical End-Buyer company/entity look like? Example: Government, Blue-chip company, SME company, Charity
6. Historic Gross Profit Margin range: Example: 20% to 30%
7. Days in Client’s Cash Conversion Cycle from Payments to Customer Invoice / and to Customer payment: Example: 30-60 days to Invoice / 60-90 days to receive payment
8. Current Debt Facilities and Amounts: Banks, Alt Lenders and $$ amounts
9. Amount of Funding Requested & Timing: $___________ Need by ___________

As long as you meet the prequalification’s this is highly unlikely. But should you be declined we will know within 24 – 48 hours . If so, we have several other loan products and access to over 50+ lenders. We will work with you to ensure your financing goals are met.