How fast can we stack PO + factoring?

First-time stack: 3 weeks. Repeat: within a week.

What if my margin is 15%?

PO financing usually doesn't work at 15%. We look at direct factoring plus supplier deposits, or negotiate the buyer's terms to reduce upfront material need.

Do I need to disclose the size of the order to my bank?

If you have an existing bank line, yes — most bank covenants require disclosure of new secured facilities. We coordinate with the bank on intercreditor terms so the PO and factoring lines don't conflict with your existing debt.

What if the buyer changes the order after we've started production?

PO amendments are common. The financing follows the amended PO as long as the buyer confirms it in writing. Cancellations without a written change order are the real risk — we structure documentation to avoid that exposure.

Can I keep using my regular working capital line at the same time?

Yes, in most cases. An intercreditor agreement between your bank and the PO/factoring funders defines who has priority on what collateral. Done cleanly, all three facilities operate in parallel.

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Playbooks 6 min read Updated July 1, 2026

You Just Landed a Huge Order. Now What?

A big first order from a national distributor, OEM, or retailer is the best problem and the fastest way to blow up cash flow. Here's how we structure funding when a shop calls with 'we just won something we can't afford to deliver.'

Confirm the order economics before anything else

Gross margin, delivery schedule, payment terms, freight terms, and any chargeback/markdown provisions. A 22% margin on paper often becomes 12% after retailer chargebacks—know that before you commit funding.

Fund the materials

PO financing pays your suppliers directly against the confirmed order. Requires 20%+ gross margin and a creditworthy end buyer. Closes in 2–3 weeks.

Fund the production ramp

Working capital or a factoring facility on your existing book covers labor, overhead, and any material gaps not covered by the PO facility.

Fund the receivable

The moment you ship and invoice, factor the invoice for 85–90% advance. Factoring proceeds pay off the PO facility at delivery. You keep the margin.

Plan the second order

The moment you deliver the first order, the second one is coming. Structure the facilities for repeatable capacity, not just this one deal.

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.

Apply. Fund. Deliver. — No obligation.

AI-assistedDepending on live availability, calls may be answered by Mary, our AI Assistant, who takes a message and books a callback. Or email us instead.

You Just Landed a Huge Order. Now What?

Confirm the order economics before anything else

Fund the materials

Fund the production ramp

Fund the receivable

Plan the second order

Frequently Asked Questions

Keep reading

How Invoice Factoring Actually Works for Manufacturers

When to Use PO Financing (and When Not To)

Should You Buy That Machine Cash or Finance It?

Ready to keep production moving?