Who this is built for
Product/distribution businesses with a large confirmed PO but not enough cash to buy the goods.
A transaction of this shape
Illustrative example, not a past transaction. A wholesale distributor landed a $600k purchase order from a national retailer but only had $150k on hand to pay the overseas supplier. We funded the supplier directly against the confirmed PO. They shipped on time, the retailer paid in 45 days, and the distributor cleared roughly $90k of margin on an order they would otherwise have had to turn down.
Qualification considerations
What the capital sources behind this structure look at. These are their published parameters, not an offer of credit, and a file that misses one is not automatically declined — it is a conversation about which source fits.
- A confirmed purchase order from a creditworthy customer
- A supplier invoice or quote showing the cost of goods
- Owners of 20% or more available to sign and produce a PFS
- Signed operating agreement or corporate bylaws on hand
What usually rules a file out
- No confirmed PO — only a forecast or a verbal
- Unsigned operating agreement or bylaws
- Cannot produce business and personal tax returns
- Owner of 20%+ unwilling to provide a personal financial statement
What the numbers look like
We do not publish rates, and we would not trust a site that did — pricing on a structure like this is set by the file, not by the page. What we publish instead is the model. Run your own figures through the same deterministic calculator the desk runs on a live file, free, with no sign-in and nothing to submit.
Run a PO financing estimate →What to have ready
You do not need all of this to start a conversation — submit first, and we will tell you what the specific file needs. This is what a transaction of this kind normally opens with.
- The confirmed purchase order from your customer
- The supplier invoice or quote showing the cost of goods
- Recent business bank statements
- The two most recent business tax returns, where the business has filed them
- A current profit & loss and balance sheet
- An accounts receivable and accounts payable aging
- An entity document for the borrowing entity, and a personal financial statement
How the process runs
Submit
You tell us about the transaction. Six questions, about sixty seconds.
Underwrite
We size it against the capital sources' documented parameters and tell you where it stands.
Execute
We manage the process through term sheet, diligence, and closing.
Close
You get results, and we stay involved for the next transaction.
Worth reading beside this
Have a transaction that looks like this?
Tell us what you are working on — six questions, about sixty seconds. We review it and come back with next steps, and if this is not the right structure for it, we will say which one is.
Submit an Opportunity →Business-purpose financing only. Canady Investments is not a bank and does not lend its own funds. This page describes a financing structure and the criteria the capital sources behind it publish; it is not an offer of credit, a commitment to lend, or a guarantee of financing, and nothing here is a quoted rate or term. All terms are subject to underwriting, documentation, and third-party capital source approval.