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Purchase Order Financing
Short-term funding to fulfill large orders before receiving customer payments.
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Loan Amount
Up to 100% of the total purchase order value
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Time to Fund
5-7 Business Days
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Term Length
30 to 90 days, on average 45 days
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What is Purchase Order Financing?
Purchase order (PO) financing allows businesses to take on large customer orders without upfront capital constraints. This type of financing covers supplier costs, ensuring you can fulfill orders and grow revenue without depleting working capital. Ideal for wholesalers, manufacturers, and distributors, PO financing helps bridge the gap between order fulfillment and customer payment.
Purchase Order vs Accounts Receivable Financing
Purchase order financing and accounts receivable financing both help businesses manage cash flow, but they address different needs. Purchase order financing covers supplier costs before goods are delivered, making it ideal for businesses fulfilling large customer orders without upfront capital. Accounts receivable financing, on the other hand, provides funding based on completed sales awaiting payment. Small businesses should assess their supply chain needs to determine the best financing fit.
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Minimum Requirements
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Credit Score
650
Monthly Revenue
$10K+
Time in Business
Minimum of 12 Months
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A lender pays your supplier directly, allowing you to fulfill orders without upfront capital. You repay once customers pay.
Lenders typically fund 70%-90% of the order cost.
Wholesalers, distributors, and manufacturers needing supplier payments before invoicing clients.
Yes, if they have confirmed purchase orders from reputable customers.
Most lenders approve PO financing within 7-14 days.
Still have Questions?
Find the Right Lender
Tired of endless searches and dead-end introductions to bankers and brokers?
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