Industries · Manufacturing & wholesale
You have already paid for everything the buyer has not.
Raw materials, labour and freight are funded up front. The buyer pays 30, 60 or 90 days after the goods arrive. We buy the invoice on dispatch so production never waits on collections.
The problem
Production cycles and payment cycles are not the same length.
The longer the production run and the larger the buyer, the more of your own capital is locked between the purchase order and the payment.
Before revenue
Input costs
Materials, components, energy and labour are all paid long before the finished goods leave the floor.
After delivery
Buyer settlement
Retail chains, distributors and OEM buyers set the terms, and those terms are rarely short.
The next order
Capacity you cannot use
With capital tied up in shipped goods, the next purchase order has to wait for the last one to be paid.
Your use cases
Where manufacturers and distributors lock up cash.
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 shipped orders
We buy the invoice raised on dispatch, so the capital tied up in delivered goods comes back into the business immediately.
02 · Scale
Accepting a large retail order
A national buyer places an order that consumes a quarter of your capacity and pays on 90 day terms. Funding the resulting invoices makes the order viable.
03 · Cost
Buying materials at volume pricing
Suppliers discount for larger orders and earlier payment. Releasing the cash in your ledger lets you take the discount instead of the surcharge.
04 · Seasonality
Building ahead of peak demand
Production for a seasonal peak happens months before the revenue. Funding the invoices from the last cycle pays for the next one.
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 dispatch
Shipped goods stop being a balance sheet entry and start being working capital.
02
Orders you can actually take
Large buyers with long terms become good business rather than a cash risk.
03
Better input pricing
Liquidity lets you negotiate on volume and early settlement with your own suppliers.
04
No new debt
A true sale keeps the facility off the debt line and outside your covenants.
Who qualifies
What we look for in a business like yours.
Other industries