Who qualifies for PO financing?

PO financing qualification is based on the strength of the purchase order and the creditworthiness of the end customer, not the business owner's personal credit. You need a confirmed, non-cancelable purchase order from a creditworthy buyer, a reliable supplier, and a minimum gross margin of 20-30% on the order to cover financing costs. PO financing is most common in wholesale, distribution, import/export, manufacturing, and resale businesses.

How is pricing determined for PO financing?

Pricing is quoted per deal after underwriting — we do not publish rate sheets. Terms depend on the buyer, the supplier, order size, and how the structure is used.

When is PO financing NOT a good fit?

PO financing does not work for service-based businesses because there are no physical goods or suppliers to pay. It is also unsuitable for orders with gross margins below 20%, since the financing fees would consume most or all of the profit. PO financing requires confirmed, non-cancelable purchase orders — speculative orders, contracts with cancellation clauses, or consignment arrangements typically do not qualify. If you sell directly to consumers (B2C), PO financing is generally not available.

Funding Solution

PO Financing

Q: What is PO financing?

Purchase order (PO) financing provides capital specifically to fulfill confirmed customer purchase orders. Instead of advancing cash to the business, the PO financing company pays your supplier directly for the goods needed to complete the order. This allows businesses to accept and fulfill large orders even when they lack the upfront capital to pay suppliers. Financing can cover up to 100% of the purchase order value, with funding typically available within 3-5 days.

Fund large orders upfront so you can say yes to bigger opportunities.

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Typical speed: 2-3 days for verification, 5-7 days to fund
Deal range: $50K–$25.0M
Terms: Duration of order fulfillment (typically 30-120 days)

01 — Overview

What is PO Financing?

Funding specifically for fulfilling confirmed purchase orders. The lender pays your supplier directly so you can deliver on large orders you could not otherwise afford to fill.

Funding Range: Up to 100% of PO value
Typical Close: 3-5 days
Monthly Revenue: $21K+

02 — Process

How it works.

One senior team from first conversation through funding — no call-center handoffs.

01
Tell us the deal
Share the basics through SmartMatch — about 30 seconds. No credit pull at intake.
02
We structure options
An advisor reviews and matches across our network. Decisions typically within 2-3 days for verification, 5-7 days to fund.
03
Fund & stay connected
2-3 days for verification, 5-7 days to fund supplier. The same team stays with you after the wire.

03 — Details

About PO Financing

Deal size, speed, and fit — terms are set in underwriting, not on a public rate sheet.

Purchase order financing is a specialized form of working capital designed specifically for businesses that need to fund inventory purchases before they can generate revenue. Imagine you have a customer who wants to purchase $50,000 worth of goods from you, and they'll pay upon delivery. But you don't have $50,000 to purchase the inventory from your supplier. Your supplier demands payment before shipment. Without PO financing, you lose the order and miss the opportunity. With PO financing, you unlock growth by funding the full supply chain.

PO financing works by having us pay your supplier directly for the goods specified in a customer's purchase order. Once you deliver the goods to your customer and receive payment, you repay the PO financing amount. We essentially serve as a bridge between your supplier and your customer, enabling you to fulfill large orders even when your working capital is constrained. This is fundamentally different from a traditional loan where you borrow money and then decide how to use it. With PO financing, the financing is tied directly to confirmed customer orders.

04 — Capabilities

What this structure delivers.

Supplier Direct Payment

We pay your supplier directly for goods, eliminating your cash outlay.

Order-Backed Funding

Financing is tied to confirmed customer purchase orders, reducing our risk.

Quick Turnaround

After PO verification (2-3 days), funding available within 5-7 days.

Growth Enabler

Scale your business by fulfilling large orders without capital constraints.

05 — Why Nautix

Why choose PO Financing with us.

Independent by design — we sit on your side of the table, not the lender’s.

01
Say Yes to Big Orders
Don't turn away profitable opportunities due to working capital constraints.
02
Cash Flow Positive Growth
Receive payment from customers before repaying the PO financing.
03
Predictable Funding
Financing is tied to specific orders, making costs and timelines predictable.
04
Supplier Relationships
We work with suppliers professionally, protecting and strengthening those relationships.

“We were scaling fast and needed working capital without delays. I gave Nautix what they needed and within hours we had a path forward. The offer made sense, the terms were clear, and the funding was in before the end of the day. I've worked with big institutions before — this was cleaner, faster, and more aligned.”

Mark Moshtaghi · Verified Client

See if PO Financing fits your deal.

No application, no credit pull at intake. An advisor reaches out within one business day.

Start Your SmartMatch

06 — Fit

Eligibility at a glance.

Starting points for a conversation — every deal is underwritten on its own facts.

$21K+

Monthly revenue

2+ yr

Time in business

600+

Credit score

Best for

Distributors fulfilling large customer purchase orders
Manufacturers with customer orders requiring upfront supplier payments
Importers and resellers scaling through customer demand
Wholesalers managing inventory for confirmed large orders
Growing businesses limited by working capital rather than market demand

07 — Industries

Who uses PO Financing.

Sector guides with the same product, tailored to how the business actually runs.

Transportation & Logistics

Trucking companies, freight brokers, last-mile delivery, warehousing, and supply chain services.

Construction & Contracting

General contractors, subcontractors, specialty trades, and construction service providers.

Manufacturing & Wholesale

Manufacturing facilities, wholesale distributors, and bulk product suppliers.

Home Services

HVAC contractors, plumbing services, electrical work, roofing, landscaping, and cleaning services.

08 — Compare

Stack it against alternatives.

Working Capital Loans vs PO Financing

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Choose invoice factoring if you're stuck waiting for clients to pay invoices already issue…

PO Financing vs Equipment Financing

Choose PO financing to fulfill customer orders. Choose equipment financing to buy equipmen…

PO Financing vs SBA Loans

Choose PO financing if you're losing sales because you can't fund specific customer orders…

PO Financing vs Commercial Real Estate

Choose PO financing to fulfill customer orders. Choose CRE financing if you're acquiring p…

PO Financing vs REI Loans

Choose PO financing to grow your operational business through fulfilling customer orders. …

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09 — Coverage

Available nationwide.

Select your state for local po financing context.

10 — FAQ

Common questions.

01How much of the PO can you finance?+

We typically finance 70-100% of the purchase order amount, depending on the supplier relationship, customer creditworthiness, and order terms.

02What if my supplier won't work with you?+

Some suppliers are unfamiliar with factoring arrangements. We can often educate them or structure the arrangement differently. In some cases, you can request your supplier accept payment from our firm directly.

03What if the customer delays payment?+

If your customer delays payment on the PO, the repayment timeline extends accordingly. We work with you to manage any payment delays and maintain the relationship.

04Can I use PO financing for multiple orders simultaneously?+

Absolutely. Many businesses use PO financing for several orders at once. Your available financing scales with your order flow.

Next Step

Ready for PO Financing?

Apply in minutes. Decision in 2-3 days for verification, 5-7 days to fund. Funding up to $25.0M.

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