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Purchase Order Financing

Get the funds you need to fulfill purchase orders without tying up your cash flow.

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Key Highlights
A ready source of capital
Funding Amount
$100K to $10M
Order-Driven
Funding tied to active contracts
Time to Fund
2 weeks to 3 months
What is it?
Turn pending orders into working capital

Purchase order financing gives you the capital to pay suppliers upfront, so you can fulfill large orders without draining your working capital.

Instead of waiting on customer payments, we pay your supplier directly. Once the order is delivered, your customer pays us, and you receive the profit, minus fees. Simple.

Interested in all non-asset backed options? National Business Capital also offers funding solutions based on your cash flow, not purchase orders.

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how does it work?
From order to paid—the process in 5 steps
  1. Receive a large order – You land a big purchase but don’t have the upfront cash to fulfill it.
  2. Apply online – Submit a quick digital application and supplier invoices, and we provide your funding options.
  3. Supplier gets paid – Your supplier is paid directly, so production can start.
  4. Customer pays – Once goods are delivered, your customer sends payment, which covers your outstanding balance
    You receive the balance – After fees, all remaining profits are forwarded to you—no cash crunch, no delay.

With Purchase Order Financing from National Business Capital, you can take on bigger deals, protect your cash flow, and continue to scale.

What are the benefits?
Many perks, a few precautions
Advantages
Advantages Considerations
Fulfill orders without upfront capital Fees are often higher than traditional loans
Fulfill orders without upfront capital
Advantages: Fulfill orders without upfront capital
Considerations: Fees are often higher than traditional loans
Easier approvals—based on customer credit Best for short-term needs, not long-term capital
Easier approvals—based on customer credit
Advantages: Easier approvals—based on customer credit
Considerations: Best for short-term needs, not long-term capital
No collateral required Approval depends on supplier/customer reliability
No collateral required
Advantages: No collateral required
Considerations: Approval depends on supplier/customer reliability
Preserve your working capital for growth Margins must be healthy (usually 15–20%+)
Preserve your working capital for growth
Advantages: Preserve your working capital for growth
Considerations: Margins must be healthy (usually 15–20%+)
A smart move for the right moment
Who should use it?

Purchase Order Financing is great for many businesses that need to fulfill orders, build relationships, and increase revenue. It’s commonly used by:

  • Wholesalers & Distributors – Secure bulk orders without draining your reserves
  • Importers & Exporters – Move products internationally with funding that keeps up
  • Manufacturers – The lender pays your supplier directly so production can start. Start production fast—even before payment lands
  • Retail & eCommerce – Stock up for peak seasons without cash strain or delay
  • Government Contractors – Fund large contract fulfillment without risking liquidity

If your business operates with high demand, long payment cycles, or large bulk orders, this financing option can help you scale faster and overcome roadblocks.

Why get it?
Turn orders into opportunity

We don’t just fund your purchase orders—we align them with your business goals.

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Fulfill large orders

Take on bigger deals without cash flow strain.

Pay suppliers upfront

Funds are paid to vendors, so you can deliver fast.

Protect relationships

Avoid delays or missed deadlines.

Order-specific capital

Only borrow what’s needed to fulfill an order.

Alexandro Silva
Executive, Turbo Lend

Funds as you need them, when you need them

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your eligibility
Just 5 boxes to check

Qualifying is often easier than with traditional loans because we focus on the value of your customers—not your credit.

Strong candidates often have:

  • Finished goods for sale: Raw materials and partial components typically don’t qualify
  • Strong customer credit: Eligibility depends on your customer’s ability to pay
  • Reliable suppliers: Timely, consistent delivery is key to qualify
  • Profit margins of 15–20%+: Helps ensure you stay profitable after financing costs
  • $1M+ in active purchase orders:
Minimum deal size required to qualify with us
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Not a match? Check out your other options

What do I need to PROVIDE?
Required documents

Have this information on hand and you’re all set.

  • Business formation docs
  • Personal financial statements
  • Business financial statements
  • Business plan
  • Aging A/R and A/P reports
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FAQs

  • A copy of your customer’s purchase order
  • Supplier invoice(s)
  • Basic business documents (EIN, legal structure)
  • Financials (bank statements, cash flow docs)
  • Basic personal information

Yes. If your customers are creditworthy and your purchase orders are valuable, your business age doesn’t matter. We focus more on who’s paying you than how long you’ve been operating.

Funds typically need to be tied to fulfilling the PO. We may request a business plan outlining your intended use. If you want complete flexibility, ask upfront or explore other options with us.

Margins can shrink if delays or unexpected costs arise. But when used for well-priced, confirmed orders, it’s a powerful way to scale without cash strain.

Let’s talk funding
Get the capital you need to grow your business

Let’s review your assets and find out if you qualify—no pressure, no cost.

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