PURCHASE ORDER FINANCING

WE HELP YOU BUILD
TRUST AND GROW

We give you negotiating power to get a good deal with your suppliers. We fund your supplies so you grow – without using up your working capital.

Three businesswomen discussing how their company will grow with GrowKap
Heart icon symbolizing trust
BUILD TRUST
Speech icon symbolizing negotiating power
NEGOTIATING STRENGTH
Money icon symbolizing working capital
WORKING 
CAPITAL

Why Use
GrowKap?

Financing tools like factoring give you an advance on part of your receivables after your invoice. But how do you have cash to pay your suppliers first? That is what GrowKap brings: we finance 100% of your order to suppliers so fulfilling clients requests is never a nightmare. Using factoring is like riding a rusty bike while chasing money. But, with GrowKap, you are on board a fast plane, with only money coming in and never going out. By paying your supplier, we empower you to make those big important deals, and make cash with your own clients!

What does GrowKap do?

Growing your business requires cash. We get that.
When you get an order, we pay your supplier.

With

GrowKap logo - horizontal blue and gold

:

Heart icon symbolizing trust

Big buyers TRUST you'll deliver.

Heart icon symbolizing trust

Your suppliers TRUST they'll get paid.

Speech icon symbolizing negotiating power

You increase your NEGOTIATING POWER with your suppliers.

Money icon symbolizing working capital

You conserve your WORKING CAPITAL and get your supplies and grow.

Talk to our expert

What we do

GrowKap helps your growing company do business because we:

Checkmark meaning GrowKap does this

Give you added credibility so big buyers trust you can deliver and your suppliers trust they'll get paid quickly.

Checkmark meaning GrowKap does this

Enable you to get supplies when you get a big order from a big buyer.

Checkmark meaning GrowKap does this

Fill your working capital gap by financing your upcoming supplier purchase orders.

Checkmark meaning GrowKap does this

Enhance your strength when negotiating with your suppliers (e.g. to get a discount).

What we don’t do

And some activities we simply don’t do:

X meaning GrowKap does not do this

Deal with your pre-existing invoices or accounts receivable (AR) in any way.

X meaning GrowKap does not do this

Buy your past invoices / AR – we aren’t a factoring company.

X meaning GrowKap does not do this

Chase late payments that you're already waiting for.

X meaning GrowKap does not do this

Loan your company money directly.

How does GrowKap work?

Hand holding a cargo boat symbolizing a new order comes in

A new order comes in

Your customer places an order.

1

2

A broken piggy bank symbolizing that you can't pay your supplier

But you can't pay your supplier

Your customer won’t pay before getting the goods and you don’t have enough cash to pay your supplier.
You choose: get financing to pay your supplier or refuse the order.

GrowKap logo symbolizing you choose GrowKap

Choose GrowKap

We just need your customer order and your supplier order. Then the magic happens.

3

4

An hand making an A-Ok sign holding a coin symbolizing GrowKap pays your supplier

GrowKap pays your supplier

That’s the magic! Now you can deliver to your customer. This is called ‘purchase order financing’.

A rocket launching symbolizing you get paid

And you get paid

You deliver your goods to your customer, who pays GrowKap. That same day, we deduct our cost and fee and send you your margin.

5

How does GrowKap work?

1

Hand holding a cargo boat symbolizing a new order comes in

A new order comes in

Your customer places an order.

2

A broken piggy bank symbolizing that you can't pay your supplier

But you can't pay your supplier

Your customer won’t pay before getting the goods and you don’t have enough cash to pay your supplier.
You choose: get financing to pay your supplier or refuse the order.

3

GrowKap logo symbolizing you choose GrowKap

Choose GrowKap

We just need your customer order and your supplier order. Then the magic happens.

4

An hand making an A-Ok sign holding a coin symbolizing GrowKap pays your supplier

GrowKap pays your supplier

That’s the magic! Now you can deliver to your customer. This is called ‘purchase order financing’.

5

A rocket launching symbolizing you get paid

And you get paid

You deliver your goods to your customer, who pays GrowKap. That same day, we deduct our cost and fee and send you your margin.

100%
we pay your supplier invoice
48h
time needed to get our GO
0€
cash needed in advance

FAQs about PO financing

What is Purchase Order Financing?

Purchase Order Financing (PO financing) is a funding solution that provides capital to businesses to pay suppliers for goods related to specific purchase orders. This allows businesses to fulfil large orders without straining their cash flow.

How does Purchase Order Financing work?

A business receives a purchase order from a customer but lacks the funds to fulfil it. What can they do? One option is to approach a PO financing company, who pays the supplier directly, which allows the business to deliver the order to the customer. Once the customer pays the financer for the order, the business gets its margin minus fees and/or interest.

What types of businesses benefit from PO financing?

Businesses that benefit most from PO financing are typically those that:
• Have received large orders they cannot fulfil due to limited capital.
• Are experiencing rapid growth and need to meet increasing demand.
• Operate in industries with long payment terms.
• Are in a growth phase and need to invest in their assets.

What are the advantages of Purchase Order Financing?

PO financing provides advantages such as:
• Enabling businesses without sufficient cash flow to accept large orders.
• Helping maintain positive relationships with suppliers by ensuring timely payments.
• Obtaining potential discounts from suppliers thanks to reducing payment terms.
• Supporting business growth without taking on additional debt.
• Providing fast access to funds compared to traditional loans.

What are the disadvantages of Purchase Order Financing?

PO financing disadvantages include:
• It can be more expensive than other financing.
• Not all businesses or purchase orders qualify for financing.
• Dependency on the creditworthiness of your customers.

How much cash do I need to put upfront?

No upfront cash from you! GrowKap will cover it all – 100%. You’ll see money coming in at the end of the deal without seeing money going out at the start.
Want to find out more about PO financing?
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What do you need to apply for financing?

B2B  order
Origami plus sign
Supplier order
Apply now