You’ve got a deal on the table—but you're stuck in the middle. Your supplier wants payment up front, and your customer won’t pay until delivery. So what now? Do you fund production with purchase order financing, or wait for delivery and use invoice financing to keep things moving?
They solve different problems. And if you choose the wrong one, you’ll burn time, strain cash flow, and stall deals that should’ve been closed. Here’s how to pick the right tool—and how Financely makes both accessible through our structured credit platform.
Purchase order financing is for companies with confirmed orders that need to pay their suppliers to fulfill them. Instead of burning cash reserves or turning down growth opportunities, PO financing lets you use your customer’s purchase order to unlock working capital today.
Financely steps in, underwrites the PO, and pays your supplier directly—either via bank transfer, LC, or SBLC. You get the goods produced and shipped, deliver to your customer, and repay the facility once you’re paid.
Invoice financing lets you pull forward the cash tied up in outstanding invoices. If your customer has 30, 60, or 90-day payment terms, invoice finance gives you immediate liquidity—usually 70–90% upfront—based on your open receivables.
You’ve done your part. Now you get paid faster, while the lender waits for the customer payment. It’s a clean way to smooth cash flow and avoid taking on long-term debt.
| Feature | Purchase Order Financing | Invoice Financing |
|---|---|---|
| Funding Trigger | Confirmed customer purchase order | Issued invoice after delivery |
| Capital Use | Pays your supplier to fulfill the order | Cash advance for your own use |
| Best For | Importers, manufacturers, large PO contracts | B2B companies, recurring sales, long terms |
| Repayment Source | Customer invoice proceeds | Customer payment on invoice |
| Risk Focus | Supplier performance and delivery risk | Customer credit and payment reliability |
Financely isn’t a broker. We’re a structured finance partner with forward flow agreements already in place with banks and private credit funds. That means faster approvals, better pricing, and fewer dead ends. You send the PO or invoice—we package the facility, underwrite the risk, and get it funded.
We work with real companies: traders handling $2M+ contracts, manufacturers scaling to fulfill $500K orders, and exporters navigating 45-day payment cycles. We know the mechanics—and we know how to get deals across the line.
Need to fund an order or unlock capital tied up in invoices? Financely can structure both purchase order and invoice financing through a single, credible facility. You focus on fulfillment—we handle the funding.
Request a ProposalSubmit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestAccess non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestSecure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFinancely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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