Featured Capital: We regularly highlight capital partners across our network delivering debt and equity solutions for real estate and business. Payables financing, supply chain finance, working capital for B2B businesses
The math is straightforward and the problem is common. Vendors operate on net 30 terms. Customers pay in 90 to 120 days. Every new contract award widens the working capital gap. The opportunity is there, but the cash flow timing makes it difficult to execute without straining the balance sheet.
Recent Example
A growing Service-Disabled Veteran-Owned Small Business had secured several large government and healthcare contracts. Vendors needed to be paid immediately while contract payments arrived months later. The gap widened with each new award.
We structured a $3,000,000 revolving payables facility tied directly to supplier invoices. Vendors were paid immediately, which allowed the company to negotiate early-payment discounts that offset a meaningful portion of the financing cost.
Instead of stretching vendors or passing on larger contracts, the company executed cleanly and preserved relationships on both sides of the transaction.
How It Works
This capital does not lend against receivables or hard assets. It funds real trade flow. When a supplier invoice is submitted, the facility pays the vendor upfront. The business repays the advance within an agreed window, often up to 120 days, aligning repayment with customer collections.
There is no personal guarantee, no UCC filing, and no customer notification. It operates quietly in the background, extending effective payment terms without interfering with existing bank lines.
For operators whose growth is constrained by timing rather than demand, this is one of the most practical working capital tools available.
| Structure | Revolving payables facility tied to approved supplier invoices; payment terms up to 120 days; no UCC filing, no personal guarantee |
|---|---|
| Best Fit Borrower | Growing B2B businesses with repeat trade flow; government contractors or enterprise suppliers with extended payment terms; operators seeking to preserve bank availability |
| What Makes This Capital Different | Funds supplier invoices, not receivables; often enables early-payment discounts that offset financing cost; operates without customer involvement; unsecured and non-dilutive |
| Common Use Cases | Government or large commercial contracts with long payment cycles; large enterprise customers with 90+ day terms; inventory or service procurement ahead of billing |
If this sounds like a fit for your situation, submit a request with some additional context. We will review it and determine whether this capital partner aligns with your situation.