Industries · Food & agriculture
Short shelf life. Long payment terms.
Growing, processing, packing and cold chain are all paid before the pallet leaves. Supermarkets, distributors and foodservice buyers pay 30 to 90 days later. We buy the invoice and close the distance.
The problem
Food supply runs on thin margins and long buyer terms.
A season's inputs are committed months in advance while the buyers with the most leverage set the longest terms. The gap between the two is funded by the producer.
Season ahead
Inputs and production
Seed, feed, packaging, labour and cold storage are paid long before the product is sold.
Set by the buyer
Retail payment terms
Supermarkets and national distributors dictate terms, and suppliers accept them to hold the listing.
Perishable
No second chance on timing
Produce cannot wait for better cash flow. It ships when it is ready, funded or not.
Your use cases
Where food and agricultural suppliers run short.
Every case below is funded the same way, by buying the invoice outright. Nothing changes in how you sell or who you sell to.
01 · Liquidity
Funding delivered consignments
We buy the invoice raised on delivery to the retailer or distributor, so cash returns while the next run is still in production.
02 · Seasonality
Funding the next growing cycle
Inputs for the next season are committed before the last one is paid for. Funding the ledger bridges the two.
03 · Listings
Supplying a national chain
A supermarket listing means volume on long terms. Funding the invoices makes the listing profitable rather than punishing.
04 · Cost
Buying inputs at better prices
Packaging, feed and raw ingredients price better when bought at volume and paid early.
How it works
Approved once, then it simply repeats.
Setup is a one-time review of your business and your customers. After that, funding an invoice is routine.
01 · Ledger
Submit the invoice
You send us the invoices you want funded, for goods or services you have already delivered.
02 · Diligence
We verify
We check the invoice and the credit standing of the customer behind it. Approval is a one-time setup, then it repeats.
03 · Purchase
We buy and pay
We purchase the receivable outright and pay you for it. It is a sale, not a loan, so nothing is added to your debt.
04 · Settlement
Your customer pays us
Your customer settles on their normal terms. You pay a fee on the invoices you sell and nothing on the ones you keep.
Structure
True sale
Speed
Days, not months
Pricing
Per invoice sold
Collateral
No personal guarantees
What it unlocks
What changes once the ledger is funded.
01
Cash on delivery of the load
Stop waiting out retail terms on perishable goods.
02
Fund the next cycle
Commit to inputs for the coming season without draining reserves.
03
Hold the big listings
Serve national buyers without their terms deciding your cash flow.
04
Lower input cost
Liquidity becomes buying power with your own suppliers.
Who qualifies
What we look for in a business like yours.
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