Purchase Order Financing

SBA Loans

Purchase Order Financing

Access funds to cover supplier costs and accept those new orders

Features & Benefits

Get new clients

When cash flow problems strike, businesses have to put a halt on bringing in new clients because they don’t have the money to pay their suppliers. Purchase order financing allows you to grow your customer base and takes away the worry of not being able to fulfill orders without taking on new debt.

Cover Supplier Costs

If your gross margin for an order is over 25%, you may be able to cover up to 100% of all supplier costs. If your order doesn’t meet this criteria, your contribution is typically minimal. This allows you to move forward with orders while staying in good standing with your suppliers.

Maintain Full Ownership

With purchase order financing you will not have to resort to selling off a portion of your company to fulfill a large order. Since this type of financing can cover up to 100% of supplier costs you won’t be forced to seek out new investors to capitalize on growth opportunities.

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Line of Credit

Similar to a personal credit card, a business line of credit provides you with a line of credit that is accessible for you to use at any time. You only pay interest on the portion of the line that you use, and once paid, funds become available for you to use again. This is a great option for businesses who want to stabilize their cash flow or those who are in need of short-term working capital.

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Business Loan

Available for both short- and long-term needs. Our business loans provide you with an agreed upon sum of money that you will pay back over a specified amount of time, with interest. The amount of interest paid and the total overall cost will be depend on whether you opt for a short-time loan, which typically has a higher interest rate but a lower overall cost or a long-term loan, which tends to have a lower interest rate but a higher overall cost.

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Invoice Factoring

If your cash flow is hurting because you are waiting on invoices to be fulfilled from customers, then this is a great financing option for you. With Invoice Factoring you can receive a lump sum of cash that will keep your business running while you wait on payment of these invoices. With invoice factoring there is no APR or compounded interest, instead you are typically charged a one-time set up fee and transaction fee which is a percentage of the amount provided to you.

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Apply now to be considered for all options

Success on Every Corner

“This is how business funding should work. [My account managers] handled our application for funding seamlessly from start to finish. [They] provided direction, advice and counsel where needed while still allowing us the autonomy to determine what and how we could successfully achieve our funding goals. I have worked with several finance companies in the past two years and I would put [my account manger and Kapitus] at the top of the list.”

-Steve K.
Owner, Razor Company

Success on Every Corner

"We’ve renewed our contract with [Kapitus] several times now. Through their financing, we have grown the infrastructure of our sign language interpreting business, including increasing human capital, building a center in Portland, Oregon and paying down debt. [Kapitus] custom-tailored our financing program and we are able to control our payments, with the option to adjust the amount and interest rate. It was simple and there were no hoops to jump through. Our partnership with Strategic has allowed our business to grow."

-Julian I.
Owner, ASL Interpreting Services

Success on Every Corner

"It was a rough time. After being turned down for a bank loan, I started looking at other options. I knew I wanted to work with a company based in New York and one that I felt I could trust. [Kapitus] came to meet me at my store, I felt confident about it. I would recommend them to anyone."

-Claudia R.
Owner of Women’s Clothing Boutique

Ready to Apply?

If purchase order financing seems like the right fit for you, let’s get you ready to apply. To begin the application, you will need to be able to provide a minimum of 3 months bank statements, last year’s tax return and your final purchase order. Also, be sure to check the credit of your commercial clients, as their creditworthiness is a key deciding factor for an approval. Additional documentation will likely be required as you move through the underwriting process. If you’re still not sure that purchase order financing is right for you, you can use our financing matching tool or give us a call at (800) 780-7133 to speak with one of our financing specialists.