Fund the order, not just the invoice
Purchase Order Financing
Capital to fulfill a confirmed purchase order before you've paid your supplier or been paid by your customer.
Purchase order financing pays your supplier directly so you can fulfill a confirmed order that's larger than your cash on hand would allow. It's priced per transaction and typically settles once your customer pays, often alongside invoice factoring for the collection side.
Read the complete guide →Best for
- Businesses with a confirmed order bigger than their cash allows
- Distributors and resellers with creditworthy customers
- Owners who don't want to turn down a large order
Common uses
- Fulfilling a large confirmed order
- Paying a supplier before your customer pays you
- Taking on a customer bigger than your usual capacity
What you'll need
- A confirmed purchase order from a creditworthy customer
- A reliable, identified supplier
- At least $250,000 in annual revenue (typical)
- Healthy margin on the order to absorb financing cost
At a glance
- Amount
- Up to $2,000,000
- Based on
- A confirmed purchase order
- Paid to
- Your supplier, directly
Purchase Order Financing: which structure?
A few ways this is commonly structured. Your advisor helps you pick the right one.
Funds go straight to your supplier so goods ship without draining your own cash.
Best for: Orders where you don't already have a supplier relationship on credit terms.
Estimate your purchase order financing
Move the sliders to explore. These are illustrative figures, not an offer.
Total you'd repay
$210,000
- Total cost of capital
- $10,000
- Est. weekly payment
- $24,231
- Simplified APR
- ~30%
Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms. An MCA is priced by a factor rate, not an APR; the effective APR is typically higher than the simplified figure shown, and your advisor discloses it before you commit.
Purchase Order Financing questions
Is this the same as inventory financing?
They're related — PO financing is tied to a specific confirmed order and often pairs with factoring once you've shipped; inventory financing funds stock more generally.
Does my customer know about this?
Often yes, since payment may route through the lender at some point in the transaction. Your advisor explains exactly how it works for your deal.
What if the order falls through?
This financing depends on the order completing — that's why a confirmed PO and a creditworthy customer matter so much upfront.
Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.
Other financing options
Business Term Loans
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Working Capital Loans
Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Learn more →Business Line of Credit
Revolving access to capital you draw and repay as cash flow requires.
Learn more →
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.