Fund it yourself
Material, tooling and machine hours come out of your own reserves, and the cash stays locked up until the invoice matures. Every additional order you win makes the squeeze worse — growth becomes the thing that starves you.
For tier 2 suppliers and beyond
You won the order. You shouldn't have to fund it yourself.
You buy the material, run the hours, deliver the parts — then wait 60 to 120 days to be paid, covering the gap from your own pocket or on a rate your bank set by looking at your size. Upload the invoice and the purchase order behind it. If the chain checks out, a funder finances that transaction on terms shaped by the credit of the anchor and tier 1 above you.
Funding application
Illustrative
Invoice INV #88-206 → tier 1
EUR 184,500 · 90 day terms
Matched to PO #T1-9032
Tier 1 purchase order, quantities agree
Linked to anchor PO #A-4471
Programme demand confirmed via ERP
Delivery acknowledged by tier 1
Goods receipt matched to invoice lines
Story complete. The funder now prices a real, corroborated transaction — not a
standalone credit file.
Illustrative example. Amounts, terms and approval are determined by the funder in each case.
Where you are today
Two bad options and no third one
The order in your hand is backed by an OEM's build programme. The financing available to you is priced as if it isn't.
Borrow commercially
An overdraft or invoice-discounting line priced against your own balance sheet, often with personal guarantees or collateral attached, and a limit that has nothing to do with the quality of the order you're fulfilling.
What neither option recognises
The money behind your invoice ultimately comes from an investment-grade company two steps up the chain. That should count for something in your cost of capital. Until now, there was no way to prove the link.
- Your rating, not the chain's, sets your rate.
- Collateral and guarantees demanded for demand-backed work.
- Limits that cap your growth rather than track your order book.
- Weeks of underwriting when the material has to be bought now.
What you get
Financing attached to the transaction, not to your balance sheet
Cash at delivery
Get paid on the invoice when you raise it, instead of carrying a 60 to 120 day gap on your own working capital.
Better terms than your high street bank
Because the funder can see the anchor and tier 1 credit standing behind the invoice, the pricing reflects the chain — not your size alone.
No programme to join
Apply transaction by transaction. Nothing to negotiate with the anchor, no facility agreement, no minimum volume commitment.
Take the next order
Capacity to accept work you'd otherwise decline, because fulfilling it no longer depends on cash you don't have yet.
No personal guarantees on the chain
The transaction and its documented demand carry the underwriting weight, in place of the collateral a commercial lender would ask you to post.
A decision that keeps pace with production
Verification runs on documents already in the ERP systems around you, so approval doesn't wait on a fresh credit file being built from scratch.
What you'll need
Your side of the application
Everything we ask for is a document you already have because the trade actually happened.
You
Register and identify your company
Standard company identification and bank details for disbursement. One time, not per invoice.
You
Upload the transaction documents
The invoice you've raised on your tier 1 customer, plus the purchase order it was raised against and your proof of delivery.
Invoice to tier 1
Tier 1 purchase order
Delivery note / goods receipt
Us
We verify the story upward
We match your invoice to the tier 1 purchase order, and that purchase order to the anchor demand behind it, using permissioned ERP data from the parties above you. You don't have to chase anyone for it.
Funder
Offer, acceptance, funds
The funder reviews the verified transaction and issues terms. You accept, and the funds are disbursed against that invoice. Your customer pays the invoice on its original due date.
Next step
Start with one invoice
Bring a single invoice you've raised on a tier 1 customer, with the purchase order behind it. We'll tell you whether the chain can be verified and what a funder could offer against it.