Purchase Order & Inventory Funding: You Won the Order, We Fund the Stock

A big contract or bulk order just landed — but paying the supplier upfront would drain you. Get $10K–$5M to buy the inventory, approved on your deposits, not your credit score. Soft credit pull to check, funded in as little as 24 hours.

You won the order. Now you have to pay for it before you get paid.

A big buyer sends a PO. A distributor doubles the reorder. A retailer commits to a season's worth of stock. It's the order you've been chasing — and it can wreck your cash flow, because the supplier wants their money now and your customer pays you in 30, 60, sometimes 90 days.

So you're stuck. Turn the order down and watch it go to a competitor, or take it and float tens of thousands in inventory you can't cover. Most business owners in this spot don't have a cash problem — they have a timing problem. The margin is real. The buyer is real. The money just lands on the wrong side of the calendar.

That's exactly what this is for. You bring the order, we fund the inventory so you can fill it, and you repay as the revenue from that order comes in. You don't lose the deal, and you don't gut your account to chase it.

How it works — 3 steps

• 1. Apply in minutes. Fill out the online application and send your last few months of business bank statements. Tell us the order you're funding — the supplier cost, the order size, and when you expect to get paid. We do a soft credit pull to check, which does not ding your score. FICO 500+ is fine; we approve on your bank deposits, not your credit.
• 2. Get an offer sized to the order. We look at your real deposits and the deal in front of you. Funding scales with the order — $10K to buy a bulk lot, or up to $5M for a large contract. No collateral required for working capital.
• 3. Pay your supplier and fill the order. Sign, get the funds, buy the inventory, and ship. Repayment is set to match the way the money comes back in, so it works with the order's cash flow instead of against it.

Straight answers

Do I need the purchase order or contract in hand?

It helps a lot. The whole point is that you've already won the business — that order is the reason the funding makes sense. Have the PO, contract, or supplier quote ready so we can size the offer to the actual deal.

Will checking hurt my credit?

No. We use a soft credit pull to check your options. It does not affect your score. A hard pull only happens later if you accept and move forward.

My credit isn't great. Does that kill it?

No. FICO 500+ is workable. We approve on your business bank deposits, because a strong order and steady revenue tell us more about whether you can repay than a credit number does.

Can I get more than the standard amount for a really big contract?

Yes. Working capital runs up to $5M. If you're looking at a large ticket, see our $500K business funding and $1M+ funding pages — the same soft-pull, deposit-based approval applies at those sizes.

What can I actually use the money for?

Paying your supplier or manufacturer, buying bulk inventory or raw materials, covering a container or production run — whatever it takes to fulfill the order you landed.

How fast can I get it?

In as little as 24 hours. If your statements are in and you sign before early afternoon ET on a weekday, same-day funding is on the table. The clock starts when we have your documents.

Don't lose the order over cash timing

You did the hard part — you won the business. Getting the inventory funded is the easy part. Apply now, send your statements, and let's get the stock paid for so you can fill the order and keep the customer. Soft credit pull to check, and it costs you nothing to see your number.