Programs Supplier Finance
Your supplier wants payment now.Your customer pays later.
Supplier Finance pays your supplier for the materials, inventory or goods behind a real job or order, and you repay it when your customer pays you. Take the bigger order without draining the account that runs everything else.
A few minutes to start. No obligation.
Your supplier is paid. You keep moving.
The supplier is paid for the order. You repay when your customer pays you.
How it works
Take the order.Your supplier gets paid up front.
- 01
Land the job or the order
A commercial job, or a firm order from a customer, that needs materials or goods up front.
- 02
Your supplier is paid
Your supplier is paid directly for what the job or order needs, so you aren’t fronting it from operating cash.
- 03
Your customer pays, it’s repaid
Repayment follows your customer’s payment. On a construction job it follows the pay application schedule.
Who it fits
Built for orders that outrun supplier terms.
Subcontractors buying materials for a commercial job, and manufacturers and distributors buying inventory or goods to fill customer orders.
A strong fit
- Materials for a specific commercial job
- Inventory or goods for a firm customer order
- Suppliers who want payment up front or on short terms
- Healthy margin on the job or the order
- Growth that has outrun what your suppliers will extend
Not a fit
- Residential work paid by homeowners
- Bonded work
- Startups without a track record
- Orders with thin margin
- Stacked merchant cash advances or SBA debt
Start with the order.
Supplier Finance is sized to the purchase itself. Tell us the order and your margin, and we’ll size it with you from the supplier’s quote and your customer’s order.
Example answers to start. Change any of them.
Supplier Finance: we’ll size it with you.
Estimates are based on your answers and are not an approval or a commitment to fund. Your actual funding amount will depend on a review of your business and supporting documents.
What to have ready
Know what it takes before you start.
The order and the supplier carry this one.
- Supplier quote or invoice
- Customer purchase order, contract or subcontract
- Supplier list with typical monthly spend
- Year-to-date and prior year-end financial statements
- Last three months of business bank statements
- Schedule of existing debt and advances
Supplier Finance, answered.
Your supplier, directly.
Usually, yes. We confirm it during the review.
Yes. Domestic and overseas suppliers both work. Overseas orders take a closer look at shipping and delivery terms.
The purchase is repaid from what your customer pays you. A thin margin leaves too little room to cover the cost of financing it.
Often, on the same job or order. Supplier Finance covers the purchase, and Receivables Finance covers the invoice once you bill.
What’s your next move?
Turn your opportunity into reality with clear terms, transparent processes, and decisions based on potential, not just history.