Purchase Order Financing
Accept bigger orders, grow faster. We fund your purchase orders so you can fulfill contracts without straining your cash flow.
How It Works
Don't let capital constraints limit your growth
Purchase order financing bridges the gap between receiving a customer order and paying your suppliers. When you receive a large order but don't have the cash on hand to fulfill it, Perennial steps in to pay your suppliers directly—so you never have to turn down business.
Unlike traditional bank loans, our PO financing is based on the strength of your orders, not your balance sheet. This means growing businesses, startups, and companies with limited credit history can still access the capital they need.
Why choose Perennial for PO financing?
We've streamlined the process to get you funded fast—with terms that work for your business.
Fast Approval
Receive a financing decision within 48 hours. No month-long bank processes or excessive paperwork.
Up to $100K per Order
Finance individual purchase orders from $2K to $100K. Scale your facility as your order volume grows.
No Long-Term Debt
PO financing is transaction-based, not a traditional loan. Each deal stands on its own with clear, simple terms.
Transparent Pricing
No hidden fees or surprise charges. Our rate structure is communicated upfront so you can price your deals with confidence.
The process is simple
Submit Your Purchase Order
Share your PO, supplier details, and customer information. Our team reviews the transaction and assesses creditworthiness of your buyer.
We Pay Your Supplier
Once approved, Perennial pays your supplier directly—either via wire, letter of credit, or other agreed-upon payment method.
You Deliver & Get Paid
You fulfill the order and deliver to your customer. When your customer pays, the transaction is settled. Simple, clean, done.
Is PO financing right for your business?
PO financing is ideal for businesses that fulfill orders from creditworthy buyers but need capital to pay suppliers upfront.
You receive large orders from established buyers
Your suppliers require upfront payment or deposits
You're growing faster than your cash flow allows
You need capital to fulfill seasonal or one-time orders
Traditional bank financing is too slow or inflexible
You want financing without giving up equity or control
Ready to get started?
Speak with a member of our team to learn how Perennial can support your business with fast, flexible, and transparent financing.