Is PO financing more expensive than a bank line?

It typically costs more than a traditional bank line, but it's often the difference between accepting a large order or turning it down. The profit on the order usually more than covers the cost.

What size PO is realistic to finance?

Most PO finance partners want to see orders of at least $50,000, with a sweet spot from about $100,000 up into the millions. Very small POs often fit better inside a factoring or working-capital facility.

Do I need to be manufacturing the goods myself?

Both models work. PO finance is common for finished-goods resellers and for manufacturers producing to a confirmed order. Underwriting looks harder at production risk and supplier relationships when you're the maker.

Do you finance international suppliers?

Yes. Many partners will pay overseas suppliers by wire or letter of credit, provided the end buyer is a creditworthy US or established international account.

How does PO financing pair with factoring?

The PO facility funds production. Once you invoice, a factoring line takes out the PO advance and gives you working capital until the customer pays. That combination is a very common growth stack for scaling manufacturers.

Program

Purchase Order Financing

Say yes to the big PO.

Get the capital to fulfill large customer orders without straining cash flow.

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Best for

Manufacturers who have a confirmed purchase order from a creditworthy buyer but need capital to buy materials or pay suppliers.

How it works

1You receive a purchase order from a creditworthy customer.
2The PO financing partner pays your suppliers (directly or via letter of credit) so you can produce the order.
3You produce and deliver the goods.
4The customer pays on the invoice; the financing is repaid and you keep the profit.

Benefits

Take on orders that would otherwise be out of reach
Doesn't require giving up equity
Often pairs with invoice factoring for continuous cash flow

Purchase Order Financing — FAQs

Related programs

Invoice Factoring

Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.

Equipment Financing

Finance new or used machinery, CNC, robotics, and production lines.

Asset-Based Lending (ABL)

Revolving lines secured by receivables, inventory, and equipment.

Working Capital

Short-term capital to bridge payroll, materials, and growth spikes.

SBA & Term Loans

Longer-term, lower-cost capital for growth, real estate, or acquisitions.

Purchase Order Financing by industry

See how purchase order financing works inside a specific manufacturing niche.

Purchase Order Financing by city

View all Purchase Order Financing cities →

Local placement for purchase order financing in every US manufacturing metro we serve.

Gulf Coast

Purchase Order Financing in Houston, TX Purchase Order Financing in Mobile, AL Purchase Order Financing in Baton Rouge, LA Purchase Order Financing in Brownsville, TX Purchase Order Financing in Victoria, TX Purchase Order Financing in Monroe, LA Purchase Order Financing in Alexandria, LA Purchase Order Financing in Lake Charles, LA Purchase Order Financing in Houma, LA Purchase Order Financing in Slidell, LA

West Coast

Midwest

Great Lakes

South Central

Southeast

Upper Midwest

Purchase Order Financing in Minneapolis, MN Purchase Order Financing in Eau Claire, WI Purchase Order Financing in Wausau, WI Purchase Order Financing in La Crosse, WI Purchase Order Financing in St. Cloud, MN Purchase Order Financing in Duluth, MN Purchase Order Financing in Mankato, MN Purchase Order Financing in Winona, MN Purchase Order Financing in Moorhead, MN Purchase Order Financing in Bismarck, ND Purchase Order Financing in Grand Forks, ND Purchase Order Financing in Minot, ND

Mid-Atlantic

Southwest

Pacific Northwest

Mountain West

Northeast

West

South

Great Plains

Mountain

Purchase Order Financing in Cheyenne, WY Purchase Order Financing in Ogden, UT Purchase Order Financing in Provo, UT Purchase Order Financing in St. George, UT Purchase Order Financing in Grand Junction, CO Purchase Order Financing in Fort Collins, CO Purchase Order Financing in Bozeman, MT Purchase Order Financing in Missoula, MT Purchase Order Financing in Idaho Falls, ID Purchase Order Financing in Pocatello, ID Purchase Order Financing in Casper, WY

Ready to keep production moving?

Start with a quick app or a phone call. We'll tell you exactly what the right program requires—at no charge.

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