Purchase Order & Material Financing
Take the big job even when materials cost more than you have.
- Amount Range
- $25,000 – $10,000,000+
- Min. Time in Business
- No minimum
- Min. Credit Score
- No minimum
- Typical Funding Speed
- 24 – 48 hours
Overview
Turning down work because copper, lumber, or steel needs to be bought before you get paid is the most expensive mistake a growing contractor makes. PO and material financing pays your supplier on your behalf against a confirmed purchase order or signed contract. You perform the work, your customer pays, and the facility is settled out of the proceeds.
Best Used For
- Material-heavy electrical, mechanical, and roofing contracts
- Suppliers requiring deposit or COD terms
- Government and municipal contracts with long payment cycles
- Newer companies that landed a job bigger than their balance sheet
How It Works
- Step 1Confirmed order
Send the signed contract or purchase order and your supplier quote.
- Step 2Supplier paid direct
We issue payment or a letter of credit straight to the supplier.
- Step 3Settle at payment
When your customer pays, the facility is retired and the remainder is yours.
What You'll Need
- Confirmed purchase order or signed contract
- Creditworthy commercial or government customer
- Supplier quote or invoice
- Gross margin generally 15%+ on the job
Typically 2% – 4% per 30 days on the amount funded.
Apply for Purchase Order & Material Financing
Soft credit pull. No application fee. Answer in 24 hours on most files.
Other Programs
Ready to put capital to work?
Tell us what you run and what you need. A specialist who knows your trade calls you back within one business hour.