PO Financing for Florin businesses
A south Sacramento community along the rail line where distributors, food processors and trucking firms ship to regional buyers and invoice them on standard commercial terms. National Invoice Factoring provides purchase order financing to Florin businesses, advancing up to 100% of supplier costs so payroll, materials and growth aren't gated by your customers' payment terms.
California's wider economy runs on the nation's largest economy, from LA ports and apparel to Silicon Valley tech and Central Valley agriculture, and Florin feeds into that supply chain. Approval here rests on your customers' credit rather than your own balance sheet, so younger companies across the Sacramento metro qualify alongside established ones.
Everything is handled online and by phone — there's no branch to visit in Florin, and no requirement to pledge real estate. Facilities run from $25,000 to $25 million and grow as your invoicing grows.
How it works in Florin
- 1.Win the order. You receive a purchase order from a creditworthy commercial or government customer.
- 2.We pay your supplier. We issue payment or a letter of credit directly to your supplier for up to 100% of the cost.
- 3.Goods are delivered. Your supplier ships to your customer, and you invoice upon delivery.
- 4.Settle and keep the margin. Your customer pays, we deduct our fees, and you keep the profit.
Why Florin companies choose National Invoice Factoring
- Accept orders far larger than your cash on hand
- Up to 100% of supplier costs covered
- Domestic and overseas suppliers, including letters of credit
- Pairs seamlessly with AR financing on delivery
- Approval based on the transaction, not your balance sheet
- No equity dilution
Who qualifies
- You resell finished goods (no heavy in-house manufacturing)
- Confirmed, non-cancellable PO from a creditworthy customer
- Gross margin of roughly 15% or more on the deal
- Reliable supplier with a delivery track record
What Florin businesses need to apply
Applying takes about ten minutes. Most Florin companies already have everything on this list, and nothing here affects your personal credit score.
- The confirmed, non-cancellable purchase order from your customer
- Your supplier's quote or pro-forma invoice
- A cost breakdown showing your gross margin on the deal
- Articles of incorporation and your EIN
- Supplier references or a delivery track record
