Case studies
Examples of common funding situations and how each program solves them.
These are illustrative examples based on typical client situations, not specific named clients.
Challenge: A regional carrier was floating fuel and driver pay for six weeks on every load.
Solution: Freight factoring with fuel advances at pickup and same-day pay on delivery.
Outcome: Cash in hand the same day; added four trucks within a year.
See the program →
Challenge: A new client with net-60 terms doubled payroll overnight.
Solution: Payroll funding against weekly invoices, with credit checks on new clients.
Outcome: Took on the contract without missing a payroll.
See the program →
Challenge: A national retailer issued a PO far larger than the distributor's cash on hand.
Solution: PO financing paid the supplier; AR financing bridged the retailer's 60-day terms.
Outcome: Order delivered on time and the account became recurring.
See the program →
Challenge: A services award required cleared staff on site within 30 days.
Solution: Government receivables financing with Assignment of Claims.
Outcome: Mobilized on schedule and funded payroll through the agency's 45-day cycle.
See the program →
Challenge: A new OEM customer paid on net-75 terms while metal had to be bought upfront.
Solution: AR financing on shipped orders released cash for the next production run.
Outcome: Kept production steady without a bank loan.
See the program →
Challenge: Progress billing and pay-when-paid clauses tied up months of labor costs.
Solution: Construction factoring on approved progress billings.
Outcome: Grew bonding capacity and bid larger commercial projects.
See the program →
Challenge: An operator stretched payment on approved field tickets to nearly 90 days while crews and equipment rentals were due weekly.
Solution: Oilfield factoring advanced against approved field tickets as soon as they were signed.
Outcome: Crews stayed deployed through the stretch and the company took on a second pad.
See the program →
Challenge: An overseas mill required a deposit before cutting, months before the retailer's net-90 invoice would pay.
Solution: PO financing issued a letter of credit to the mill, then converted to factoring on shipment.
Outcome: The season shipped complete and the brand kept its retail slot.
See the program →
Challenge: Hospital and clinic customers paid in 60 to 90 days while suppliers wanted payment in 30.
Solution: Healthcare receivables financing advanced on facility invoices.
Outcome: Reordered on time and added two hospital systems.
See the program →
Challenge: Overseas suppliers required payment before shipment, and transit added weeks before invoicing.
Solution: Trade PO financing wired suppliers directly, then rolled into AR financing on delivery.
Outcome: Container volume doubled without new equity.
See the program →
Challenge: A prime contractor's 90-day terms collided with the cost of certified materials and machinist payroll.
Solution: Supplier receivables financing on approved invoices to the prime.
Outcome: Accepted the program award and kept AS9100 production on schedule.
See the program →
Challenge: Enterprise clients imposed net-60 while engineers were paid every two weeks.
Solution: AR financing advanced against approved enterprise invoices.
Outcome: Hired four engineers and took on a larger managed-services contract.
See the program →
Challenge: Grocery chains paid in 30 to 45 days while protein and produce had to be bought upfront.
Solution: Food factoring on grocery invoices, with PO financing for the seasonal buy.
Outcome: Filled the seasonal program and protected margin on cold-chain logistics.
See the program →Challenge: Guards were paid weekly while the property manager paid in 45 days.
Solution: Security guard factoring advanced on weekly invoices.
Outcome: Staffed every post from day one and added two more buildings.
See the program →Challenge: A multi-site district account required crews and supplies months before the first payment.
Solution: Janitorial factoring on completed-service invoices.
Outcome: Covered crew payroll through the ramp-up and retained the account.
See the program →Challenge: An enterprise VMS paid in 75 days while W-2 consultants expected regular pay.
Solution: IT staffing funding advanced against approved timesheets.
Outcome: Grew headcount on the program without slowing placements.
See the program →Challenge: Travel nurses expected weekly pay and housing stipends while hospitals paid in 60 days.
Solution: Medical staffing funding advanced on facility invoices.
Outcome: Filled every shift on a new facility MSA and added a second health system.
See the program →Challenge: A contract manufacturer required a deposit while the retailer's terms ran net-90.
Solution: PO financing paid the manufacturer, then AR financing bridged the retailer's terms.
Outcome: Launched on shelf date and reordered the following quarter.
See the program →
Challenge: A marketplace vendor-central order required inventory months before payment.
Solution: PO financing funded the inventory buy; receivables financing bridged wholesale terms.
Outcome: Delivered the order in full and opened a recurring wholesale channel.
See the program →Challenge: An agency PO required paying the manufacturer well before the agency's 45-day cycle.
Solution: Government PO financing paid the supplier, then receivables financing bridged to payment.
Outcome: Delivered on contract and grew capacity on the GSA schedule.
See the program →Challenge: A prime contractor took 75 days to process completion certificates while crews and equipment ran daily.
Solution: Telecom factoring advanced on approved invoices and completion certificates.
Outcome: Kept crews deployed across the build and bid a larger regional phase.
See the program →Talk to a funding advisor today. Decisions in as little as 24 hours.
