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Purchase Order Financing

PO Financing — Never Turn Down a Big Order Again

Fund large purchase orders before you get paid. The lender pays your supplier, you fulfill the order, and keep the profit. No loan minimum or maximum.

No credit score impact

PO Financing Programs

Choose the program that matches your order volume and timeline.

Standard PO Financing

No loan minimum or maximum

Terms: Per order cycle

Rates: Varies by lender and profile

  • Fund large purchase orders you couldn't fill on your own
  • Lender pays your supplier directly — you fulfill the order and collect payment
  • Ideal for product-based businesses with confirmed orders
  • No long-term debt created — financing is tied to the specific order
  • Works with domestic and international suppliers

High-Volume PO Financing

No loan minimum or maximum

Terms: Revolving facility

Rates: Varies by lender and profile

  • Designed for businesses with recurring large orders
  • Revolving facility grows with your order volume
  • Volume discounts on financing costs
  • Dedicated account manager for streamlined processing
  • Priority processing for repeat orders

Fast-Track PO Financing

No loan minimum or maximum

Terms: Per order cycle

Rates: Varies by lender and profile

  • Lender review determines approval and funding timing
  • Minimal documentation — just the PO and supplier invoice
  • Perfect for time-sensitive orders with tight deadlines
  • No minimum credit score requirement
  • First-time borrowers welcome

Why Get PO Financing Through Pro Capital?

Never Miss a Big Order

Don't let cash flow prevent you from taking on profitable orders. We bridge the gap between your order and your customer's payment.

Your Customer's Credit Matters Most

Approval is based primarily on your customer's creditworthiness, not yours — making this accessible even with poor personal credit.

No Long-Term Debt

PO financing is tied to specific orders, not your balance sheet. Once the order is fulfilled and paid, the financing is complete.

PO Financing FAQs

Common questions about purchase order financing.

When you receive a purchase order you can't fill due to cash flow, a PO financing company pays your supplier directly. You fulfill the order and deliver to your customer. When your customer pays, the financing company deducts their fee and sends you the remaining profit.

PO financing works best for product-based businesses — manufacturers, wholesalers, distributors, and importers with confirmed purchase orders from creditworthy customers. Service-based businesses typically don't qualify.

PO financing funds orders before they're fulfilled — the lender pays your supplier so you can deliver. Invoice factoring advances cash on invoices after you've already delivered. Many businesses use both together to cover the full order-to-payment cycle.

Pricing varies by lender and profile. The total cost depends on how long it takes your customer to pay. Faster-paying customers mean lower total costs.

Your personal credit matters less with PO financing because the lender focuses on your customer's creditworthiness and the strength of the purchase order. Businesses with poor credit but strong customers often qualify.

No. Pro Capital uses a soft credit pull to evaluate your options — your credit score stays fully protected, and there is no hard pull.

Explore more financing options: Small Business Loans · Invoice Factoring · BTC-Backed Loans · SBA Loans

Ready to Fund Your Next Big Order?

It takes less than 60 seconds to apply. No obligation, and no impact to your credit score.