Purchase order & contract finance.

Explore finance for the materials, supplier payments and fulfilment costs behind a confirmed customer order.

COMMERCIAL FINANCE LOANS ✳

Planning a $1M+ commercial funding requirement?

Consider how this product fits your wider business plan, cash flow and other genuine finance needs. Product limits and approval criteria vary; the $250M upper range is for qualifying major transactions, not all products.

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EXPLAINED IN PLAIN ENGLISH

How this finance could work.

A growing business may win a valuable purchase order but need money to fulfil it before the customer pays. Certain trade, purchase-order or contract-linked facilities may provide the funds to buy supplies or manufacture goods, subject to lender and buyer assessment.

Win the order. Fund the delivery.

Imagine a wholesaler receives a $500,000 order from an established customer but needs to pay an overseas supplier before delivery. An eligible facility may help bridge that timing gap. The lender will look at the buyer, the order, supplier terms and expected payment.

Purchase order versus invoice finance

Purchase-order finance is generally considered before goods are delivered or invoices are issued. Invoice finance generally uses eligible invoices for goods or services already supplied. The right stage and supporting evidence matter.

A confirmed contract matters

Lenders may request a signed or verifiable purchase order, customer and supplier details, costing, margins, expected delivery dates and payment arrangements. A hoped-for tender win is different from a firm order.

Approval and release

Timing varies with due diligence, buyer verification, trade documents and lender terms. Funds may go toward supplier payments rather than being advanced as unrestricted cash.

PUT THE FUNDS TO WORK

What could your business do next?

Fund materials for confirmed customer orders
Pay suppliers to fulfil a large contract
Support import and wholesale inventory
Fund goods required before delivery
Manage the gap between supplier and customer payments
Build capacity to accept larger orders

QUESTIONS ANSWERED

Before you enquire.

Practical answers about purchase order & contract finance.

Can I finance a contract I have just won?

Potentially, if the contract, buyer and fulfilment arrangements meet a lender’s criteria. The lender may require a confirmed order and supporting documents.

Can I finance a tender before it has been awarded?

A pending tender is not the same as a confirmed order. Some businesses may seek separate working-capital finance, but purchase-order funding is often tied to an awarded contract.

Will the lender pay my supplier or pay me?

It depends on the structure. Some facilities pay approved suppliers or provide staged releases, rather than deposit unrestricted funds into your account.

Can I combine this with invoice finance?

Some businesses use different facilities before and after delivery. Lenders must assess any overlap, security and receivables arrangements.

How long does approval take?

A straightforward request with verified buyers and documents may progress faster than a complex cross-border transaction. No particular timeframe is guaranteed.

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