National InvoiceFactoring
Purchase Order Financing in Union Square business financing

Commercial corridor · San Francisco, CA

Purchase Order Financing in Union Square

Fund your suppliers and fulfill large orders without draining cash.

  • Serving Union Square and all of San Francisco
  • Up to 100% of supplier costs advanced, 5–10 business days for first deal
  • Specialists in apparel receivables
  • Approval based on your customers' credit
Advance
Up to 100% of supplier costs
Cost
1.5%–6% per 30 days
Funding
5–10 business days for first deal

Get a free funding quote

No obligation. No impact on your credit.

PO Financing for Union Square businesses

Union Square sits inside one of San Francisco's working commercial districts. The city's principal retail district of department stores, apparel brands and hotels, where garment suppliers, staffing agencies and service contractors deliver before retail and hospitality accounts pay on commercial terms. We fund companies there with purchase order financing, typically 5–10 business days for first deal.

Apparel & Textiles is among the sectors most active here, and it is a textbook case for PO financing: customers pay in 60–90 days from retailers, while wages and suppliers do not wait. PO financing pays your mills and cut-and-sew partners; AR factoring advances on retailer invoices after shipment.

We work across San Francisco and the rest of California, so a facility set up for your Union Square operation covers additional locations without a new application.

How it works in Union Square

  1. 1.Win the order. You receive a purchase order from a creditworthy commercial or government customer.
  2. 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. 3.Goods are delivered. Your supplier ships to your customer, and you invoice upon delivery.
  4. 4.Settle and keep the margin. Your customer pays, we deduct our fees, and you keep the profit.

Why Union Square 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 Union Square businesses need to apply

Applying takes about ten minutes. Most Union Square 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

Union Square sectors

Industries we fund in Union Square

These are the sectors most active in this commercial corridor, and the ones whose customers pay on the longest terms.

Apparel & Textiles invoice financing

Apparel & Textiles

Paid in 60–90 days from retailers

Big-box retailers demand long terms and chargebacks while overseas mills want deposits before production.

PO financing pays your mills and cut-and-sew partners; AR factoring advances on retailer invoices after shipment.

  • Production deposits
  • Letters of credit
  • Seasonal inventory
Apparel financing
Staffing Agencies invoice financing

Staffing Agencies

Paid in 30–60 days from clients

You pay temporary workers weekly while client invoices sit for 30 to 60 days — the faster you grow, the bigger the gap.

Payroll funding advances against your weekly timesheets so placements never stall for lack of cash.

  • Weekly payroll
  • Payroll taxes
  • Workers' comp
Staffing financing
Wholesale & Distribution invoice financing

Wholesale & Distribution

Paid in 30–60 days from retailers and resellers

Distributors buy inventory upfront and extend credit to retailers, squeezing cash between both ends.

A combined PO + AR facility funds supplier purchases and then advances on the resulting invoices.

  • Inventory buys
  • Supplier deposits
  • Large retail orders
Distribution financing

Worked example

What PO financing costs in Union Square

A $200,000 customer order with $150,000 in supplier cost, financed at 3% per 30 days and completed in 60 days.

Illustrative figures. Your advance rate and fee are confirmed in a written term sheet before you sign anything.

Customer order$200,000
Supplier cost funded$150,000
Your gross margin$50,000
Financing cost over 60 days$9,000
Net margin to you$41,000

You keep $41,000 on an order you could not otherwise have accepted.

Compare your options

PO Financing or AR Financing for your Union Square business?

Both turn future customer payments into cash today. They differ in when they apply, what they fund and what they cost.

PO FinancingAR Financing
AdvanceUp to 100% of supplier costs80%–95% of invoice value
Typical cost1.5%–6% per 30 days0.75%–3% per 30 days
Funding speed5–10 business days for first deal24–48 hours after approval
Best forDistributors, wholesalers, importers and resellers with confirmed POsB2B companies with creditworthy customers on 30–90 day terms
Read the full comparison
Apparel brand funds a department-store program

Apparel scenario

Apparel brand funds a department-store 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.

Illustrative example based on a typical client situation, not a specific named client.

See the program

How it works

From application to funding in three steps

Apply in 10 minutes
01

Apply in 10 minutes

Share basic company info and a recent AR aging or purchase order.

Approval in 24–72 hours
02

Approval in 24–72 hours

We verify your customers and send a clear term sheet — every fee disclosed.

Funded by wire or ACH
03

Funded by wire or ACH

Receive your advance, typically within 24 hours of submitting invoices.

San Francisco districts

PO Financing in other San Francisco districts

We cover every commercial district in San Francisco. Pick the one closest to your operation.

Industrial district

Bayview-Hunters Point

The city's main remaining industrial area in the southeast, with contractor yards, recyclers, trucking and food production, where small firms finance payroll and materials ahead of commercial and public client payment.

Commercial corridor

Chinatown

A dense retail and wholesale district of grocers, importers and food suppliers, where small distributors carry imported inventory and extend terms to restaurant and shop customers who pay slowly.

Business district

Civic Center

The municipal, state and federal government district around City Hall, where agency vendors, security firms and janitorial contractors perform under public contracts that pay only after documented invoice approval.

Industrial district

Dogpatch

A central waterfront district with ship repair, fabrication shops and converted industrial buildings, where marine and specialty contractors complete work paid only after owner inspection and lengthy invoice review.

Business district

Financial District

The downtown high-rise core of banking, legal and professional firms, where janitorial crews, security providers and temporary staffing agencies pay workers weekly while corporate tenants settle on monthly or longer terms.

Commercial corridor

Fisherman's Wharf

A northern waterfront district of seafood processors, wholesale fish houses and hospitality operators, where suppliers deliver perishable product to restaurants and distributors that pay on delayed invoice terms.

Business district

Mission Bay

A redeveloped rail yard district of biotechnology labs, hospital buildings and offices, where laboratory suppliers, construction trades and clinical staffing agencies bill institutions that pay on grant and procurement schedules.

Neighborhood

Mission District

A dense San Francisco neighborhood along Mission and Valencia Streets where food producers, printers, construction trades, staffing agencies and small manufacturers supply restaurants, retailers and developers that routinely settle accounts on delayed terms.

Neighborhood

North Beach

A San Francisco neighborhood around Columbus Avenue and Washington Square where restaurant suppliers, hospitality staffing agencies, cleaning contractors and specialty importers serve a concentration of venues and hotels that pay their vendors on monthly cycles.

Neighborhood

Potrero Hill

A San Francisco hillside neighborhood whose lower flats hold production studios, specialty fabricators, contractors and technology offices between 16th Street and Interstate 280, serving corporate and institutional clients that settle invoices a month or more later.

Commercial corridor

Showplace Square

A design and showroom district near Potrero Hill serving interiors, furnishings and building products trades, where suppliers ship to designers and contractors that pay only after their own projects bill out.

Business district

South of Market

A converted warehouse and office district south of Market Street filled with software companies and agencies, where contract engineering and IT staffing firms invoice clients through procurement systems that delay payment.

Neighborhood

Sunset District

A broad residential San Francisco district whose commercial strips along Irving and Noriega Streets support grocery importers, food wholesalers, contractors and home-service firms that supply restaurants and property managers under invoices paid weeks after delivery.

Industrial district

Visitacion Valley

A southeastern San Francisco district along Bayshore Boulevard holding warehouses, distribution yards and trade shops near Executive Park and Candlestick Point, whose operators deliver to municipal and commercial customers that pay on net terms.

San Francisco metro

Towns and suburbs we fund around San Francisco

We serve the whole San Francisco metro, not just the city limits — including the towns below.

Suburb

Belmont

A hillside Peninsula suburb between larger neighbors where software firms, engineering consultancies and building-services contractors operate from small office parks near Ralston Avenue and bill institutional and corporate clients on invoices that clear over following months.

Suburb

Brisbane

A bayside industrial suburb just south of the county line where warehousing, light manufacturing and biotech support firms work out of Sierra Point and the Bayshore flats, billing corporate and institutional customers on net terms.

Suburb

Burlingame

A Peninsula suburb whose bayfront corridor along Bayshore Highway holds hotels, offices and light-industrial tenants, while staffing agencies, janitorial contractors and professional-services firms there invoice corporate clients on terms that stretch past the service month.

Suburb

Colma

A small suburb on the San Mateo County line built around cemeteries, auto dealerships and big-box retail along El Camino Real, where service contractors, haulers and suppliers invoice dealer groups and property managers on monthly terms.

Suburb

Corte Madera

A Marin retail and small-office suburb along the Redwood Highway where wholesale suppliers, delivery operators, maintenance contractors and marketing firms invoice shopping-center tenants and regional chains on terms set by corporate accounts payable.

Suburb

Foster City

A planned bayfront suburb of office campuses around Metro Center and East Hillsdale Boulevard, where technology vendors, IT contractors and facility-services firms support financial and life-science tenants under purchase orders paid on corporate terms.

Satellite town

Half Moon Bay

A coastal satellite town over the hill from the Peninsula where commercial fishing at Pillar Point Harbor, nursery growing and agricultural packing ship to wholesalers and grocery distributors that pay on seasonal net terms.

Suburb

Larkspur

A Marin suburb built around Larkspur Landing and the ferry terminal, where office tenants, medical practices, staffing agencies and facility contractors serve commuting professionals and regional institutions that pay invoices on corporate schedules.

Suburb

Mill Valley

A Marin suburb at the foot of Mount Tamalpais where design agencies, construction and remodeling contractors, and professional-services firms work from offices along Miller Avenue and bill clients across the North Bay on net terms.

Suburb

Millbrae

An airport-adjacent Peninsula suburb where hotel services, ground transportation, freight forwarding and facility maintenance firms cluster near the Millbrae Transit Center and bill airline, hospitality and corporate accounts weeks after the work is delivered.

Suburb

San Anselmo

A Ross Valley suburb in central Marin where building trades, specialty contractors, healthcare practices and professional consultancies operate from storefronts along Sir Francis Drake Boulevard and wait on insurer and client payment cycles.

Suburb

San Carlos

A Peninsula suburb with a long light-industrial spine along Industrial Road, where fabricators, lab-equipment suppliers, contractors and technical staffing firms serve biotech and corporate customers that settle invoices on standard net terms.

Suburb

Sausalito

A waterfront Marin suburb whose Marinship district still holds boatyards, marine trades, design studios and small fabricators along Bridgeway, serving commercial vessel owners and corporate clients that settle accounts weeks after work is completed.

Suburb

Tiburon

A Marin peninsula suburb on Richardson Bay where marine services, hospitality operators, design practices and professional consultancies work along Tiburon Boulevard and bill vessel owners, corporate clients and travel accounts on net terms.

Suburb

Woodside

A wooded Peninsula suburb west of the freeway where custom builders, landscape and tree-service contractors, equestrian suppliers and professional advisers serve large properties and estates, invoicing owners on terms that follow project milestones.

Free calculator

PO Financing Profit Calculator

See whether a purchase order is still profitable after PO financing costs.

Open the calculator

California guide

Factoring & AR Financing in San Francisco, CA

How San Francisco businesses use invoice factoring, AR financing and PO financing to get paid faster — local industries, costs and how to apply.

Read the guide

PO Financing in Union Square: FAQs

Yes. Union Square falls inside our San Francisco, CA service area, and we fund companies anywhere in California. The application, verification and funding all happen online and by phone.

Other programs

Other ways to fund an Union Square business

Every program below covers Union Square too — they differ in when they apply and what they fund.

Accounts Receivable Financing in Union Square

Turn unpaid invoices into working capital in as little as 24 hours.

Advance
80%–95% of invoice value
Cost
0.75%–3% per 30 days
Funding
24–48 hours after approval
Explore AR Financing

Invoice Factoring in Union Square

Sell your invoices, get paid today, and let us handle collections.

Advance
Up to 95% upfront
Cost
1%–3.5% per 30 days
Funding
Same day to 24 hours
Explore Invoice Factoring

Freight Factoring in Union Square

Get paid for every delivered load today — not in 30 to 60 days.

Advance
Up to 97% of the load
Cost
1.5%–4% flat per load
Funding
Same day after delivery
Explore Freight Factoring

PO Financing across California

PO Financing in San FranciscoPO Financing in CaliforniaRosemead, CAHighland, CANovato, CAColton, CACathedral City, CAYucaipa, CAWatsonville, CADelano, CAPlacentia, CADublin, CAGilroy, CAGlendora, CA

Get funded in Union Square this week

Talk to a funding advisor today. Decisions in as little as 24 hours.

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