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Purchase Order Financing

Get cash today for your outstanding purchase orders Larger Approvals, Lower Rates, Better Terms, Faster Process Bridge gaps in cash flow by selling purchase orders.
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What Do You Need to Qualify?

Months in Business

No Time in Business Required

Whether your business is 1 day or 1 decade old, we can help!

Months in Business

No Annual Revenue There’s no sales minimum—finance your 1st or 500th purchase order.

No Minimum Credit Score Required

No Minimum Credit Score You don’t need squeaky clean credit to qualify—we work with all credit profiles.

What Are The Benefits?

Convert Invoices to Cash

Sell unpaid purchase orders to a lender, get cash right away.

Access Competitive Rates

Receive competitive offers through our 75+ lender marketplace.

Take On More Customers

Take On More Customers

Get funding to purchase more inventory and/or take on more customers.

We’ve Secured Over $1 Billion in Funding Through Our Exclusive Marketplace

Fast Financing to Fill Your Next Order

Don’t let slow cash flow stop you from taking on new customers. Learn how you qualify for competitive rates and terms, even if your business is just getting started!

What You Can Get: Rates, Terms and Amounts

Months in Business

Financing Amount Up to 90% of the PO

Months in Business

Flexible Terms Ongoing

No Minimum Credit Score Required

Time to Fund 3-7 Days

How Can You Use Purchase Order Financing?

There are no restrictions—use your capital to pursue any opportunity or overcome any challenge! 

Business Growth

Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.

Business Expenses

Get extra working capital to manage payroll, bridge gaps in cash flow, or pay bills.

Business Opportunities

Expand or open a second location, take on more clients, or capitalize on bulk order discounts.

What is PO Financing?

Your customer’s invoice is overdue, and you’re still waiting on the payment. But, your supplier is waiting for payment, and you can’t risk paying late or ruining your relationship. Regardless, your packaging, shipping, product and labor costs must be met.

Does this situation sound familiar?

Purchase order financing allows you to get the cash you need to make these payments, without taking away from your working capital. This allows you to fulfill your commitment to your customer, while preserving your standing as a trusted business owner. 

In order to take advantage of purchase order funding (also called invoice factoring), you first need to present proof of the delivery and acceptance of the goods, while invoicing your financier for the goods at an agreed-upon discount. Then, the lender invoices your buyer for the full amount, collecting the payment according to your agreed upon terms. After receiving the payment, the balance is paid (less applicable administration fees and the cost of money used). The process for non-finished goods differs slightly, as it involves the seller taking possession of the goods in an unfinished state. 

Purchase order funding is the ideal funding option for businesses that require the cash flow to fill orders, while avoiding a tarnished reputation in the process. It’s also easier than bank financing, as it hinges on the creditworthiness and financial strength of the invoiced company, rather than your own. 

The Purchase Order Financing process has never been so fast, simple and easy! All you need to do is sell your customer’s purchase order in exchange for the capital you need.

Why National Business Capital?

  • Flexible Terms
  • Simple Process
  • 90% Approval Rate
  • No Real Estate Collateral Needed

10 Reasons Why National Business Capital Offers the Best Small Business Financing

  Bank Direct Lenders table-logo
Paperwork – 2-3 Years Tax Return
– 2-3 years Financials
– 3-6 Months Bank Statements
– 1 Year Tax Return
– 1 year Financials
– 3 Months Bank Statements
– No Tax Returns Required
Application – Lengthy
– Paper Intensive
Multi-page Paper
– One page – One Minute
– DocuSign®
Number of Lenders 1 1 +75
Service Level Processor Programmatic Personal Advisor
Approval Process Weeks/Months Days/Weeks Hours/Days
Speed to Funding Months Days/Weeks Hours/Days
Collateral Requirements Always Sometimes Required Not Necessary
Business Profitability Always Sometimes Required Not Necessary
Credit Score 680+FICO 600+FICO No Minimum FICO
Credit Check Hard Pull Hard Pull Soft Pull

Why Choose National Business Capital for Purchase Order Financing?

Better Terms. Faster Funding. Easier Process.

National Business Capital is the #1 FinTech marketplace offering small business loans and services. Harnessing the power of smart technology and even smarter people, we’ve streamlined the approval process to secure over $1 billion in financing for small business owners to date.

Our expert Business Financing Advisors work within our 75+ Lender Marketplace in real time to give you easy access to the best low-interest SBA loans, short and long-term loans and business lines of credit, as well as a full suite of revenue-driving business services.

We strengthen local communities one small business loan at a time. For every deal we fund, we donate 10 meals to Feeding America!