Purchase Order (PO) Financing
Fund the order before you're paid.
Purchase-order financing pays your supplier so you can fill a large order you couldn't otherwise afford. When your customer pays, the financing is settled and you keep the margin.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Who it fits and how it works
Purchase order financing fits distributors, wholesalers, importers, and manufacturers with a confirmed order for physical goods and a cash gap to fill it. The financing partner pays your supplier, and when your customer pays, the financing is settled and you keep the margin. We match your purchase orders, supplier quotes, and margin breakdown to PO financing programs in our lender network.
Why PO Financing
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Distributors, wholesalers, importers, and manufacturers selling physical goods to creditworthy customers.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical facilities | About $100,000 to $15 million |
|---|---|
| Revenue | Roughly $75,000+ a month |
| Time in business | As little as 1 month |
| Orders | Physical goods (not service-only), confirmed POs from creditworthy buyers |
| Paperwork | Purchase orders, supplier quotes, margin breakdown |
| How fast | Usually one to three weeks for the first order; repeat orders move faster. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for purchase order financing — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Accounts receivable aging reportar
- 05Sample invoicesar
- 06Customer list / concentrationar
- 07Articles of organization & EINentity
- 08Purchase orders & supplier quotesar
Industries we often advise on for Purchase Order Financing
Where purchase order financing is one of the best-fit options for how the business earns.
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More on Purchase Order Financing
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