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PURCHASE ORDER FINANCING

We help you build trust and grow

Gain negotiating power to get a good deal with your suppliers. Get your supplies so you grow without using up your working capital.

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BUILD
TRUST

NEGOTIATING
POWER

WORKING 
CAPITAL

GrowKap is ideal for…

Fast-growing B2B companies

You are growing fast but you have difficulties in accepting large orders for financial reasons.

Companies in the value chain

Companies we typically help are product manufacturers, box movers and value-added resellers.

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What does GrowKap do?

Growing your business requires cash. We get that.
When you get an order, we pay your supplier.

Big buyers TRUST you’ll deliver.

Your suppliers TRUST they’ll get paid.

You increase your NEGOTIATING POWER with your suppliers.

You conserve your WORKING CAPITAL and get your supplies and grow.

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What we do

GrowKap helps your growing company do business because we:

Enable you to get supplies when you get a big order from a big buyer.

Fill your working capital gap by financing your upcoming supplier purchase orders.

Enhance your strength when negotiating with your suppliers (e.g. to get a discount).

Give you added credibility so your suppliers trust you.

What we don’t do

And some activities we simply don’t do:

Deal with your pre-existing invoices or accounts receivable (AR) in any way.

Buy your past invoices / AR – we aren’t a factoring company.

Chase late payments that you are already waiting for.

Loan your company money directly.

How does GrowKap work?

A new order comes in

Your customer places an order.

1

2

But you can’t pay your supplier

Your customer won’t pay before getting the goods and you don’t have enough cash to pay your supplier.
You choose: get financing to pay your supplier or refuse the order.

Choose GrowKap

We just need your customer order and your supplier order. Then the magic happens.

3

4

GrowKap pays your supplier

That’s the magic! Now you can deliver to your customer. This is called ‘purchase order financing’.

And you get paid

You deliver your goods to your customer, who pays GrowKap. That same day, we deduct our cost and fee and send you your margin.

5

1

A new order comes in

Your customer places an order.

2

But you can’t pay your supplier

Your customer won’t pay before getting the goods and you don’t have enough cash to pay your supplier.
You choose: get financing to pay your supplier or refuse the order.

3

Choose GrowKap

We just need your customer order and your supplier order. Then the magic happens.

4

GrowKap pays your supplier

That’s the magic! Now you can deliver to your customer. This is called ‘purchase order financing’.

5

And you get paid

You deliver your goods to your customer, who pays GrowKap. That same day, we deduct our cost and fee and send you your margin.

Benefits of PO financing

Immediate working capital

GrowKap pays your supplier directly, so your growth-phase company doesn’t need to use its cash reserves. This allows you to focus resources on other growth activities.

Retain equity

GrowKap’s purchase order financing doesn’t require giving up ownership in exchange for working capital. Unlike venture capital or equity financing — where investors provide funds in return for a stake in the company — our PO financing is based on the value of your customer’s order and the amount needed to pay your supplier.

Collateral-free credit

Since purchase order financing typically doesn’t add debt to a company’s balance sheet, your company preserves its borrowing capacity for other needs.

Accept large purchase orders

Even if your company lacks upfront capital, GrowKap’s PO financing makes it possible to take on large orders that would otherwise be too capital-intensive.

Cheaper supplier conditions

Paying suppliers directly strengthens relationships by ensuring they’re paid on time, which may result in better prices or priority treatment in the future.

No contract with suppliers and customers

GrowCap’s contract is with your growth-phase company, not with your customers or suppliers.

Sales growth

Purchase order financing allows your company to scale quickly by accepting more significant contracts without waiting to accumulate enough capital.

Increase profits

Fulfilling large orders on time allows your company to capture potential profits that you might otherwise miss out on due to capital constraints.

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Why choose GrowKap?

GrowKap’s mission is to provide financing for when growing companies really need it – when they need supplies to fill customer orders.

By financing the supplies and taking the risk burden, GrowKap enables the growing company to focus on fulfilling orders that would otherwise be too financially challenging or even impossible to take.

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100% financing for purchase orders

GrowKap finances 100% of your supplier order. We don’t factor your previous accounts receivables at a discount. We are forward-looking and fund the whole order.

48-hour approval 
to start

GrowKap only need up to 2 days to approve your first supplier financing with us. We go fast, and it might even be only 24 hours.

Dedicated support & service

GrowKap provides personalised support and service from our very first call, through your application, into your first supply order financing, and onto the next ones.

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Unleash your working capital for…

Meeting seasonal demand surges

A temporary lack of working capital should not be the reason to not capitalise on the peak season!

Launching a new product line

Higher working capital enables you to invest more in impactful marketing campaigns to launch new product lines.

Entering new markets

Increase your working capital and invest in effective sales efforts to enter new markets.

Supporting rapid business growth

Don’t forget about your current customers! Higher working capital lets you continue to invest in customer satisfaction and maintain your growth trajectory.

100%

we pay your supplier invoice

48h

time needed to get our GO

0€

your cash needed to satisfy your customer’s order

Learn about
PO financing

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Purchase Order Financing (PO financing) is a funding solution that provides capital to businesses to pay suppliers for goods related to specific purchase orders. This allows businesses to fulfil large orders without straining their cash flow.

A business receives a purchase order from a customer but lacks the funds to fulfil it. What can they do? One option is to approach a PO financing company, who pays the supplier directly, which allows the business to deliver the order to the customer. Once the customer pays the financer for the order, the business gets its margin minus fees and/or interest.

Businesses that benefit most from PO financing are typically those that:

  • Have received large orders they cannot fulfil due to limited capital.
  • Are experiencing rapid growth and need to meet increasing demand.
  • Operate in industries with long payment terms.
  • Are in a growth phase and need to invest in their assets.

PO financing provides advantages such as:

  • Enabling businesses without sufficient cash flow to accept large orders.
  • Helping maintain positive relationships with suppliers by ensuring timely payments.
  • Obtaining potential discounts from suppliers thanks to reducing payment terms.
  • Supporting business growth without taking on additional debt.
  • Providing fast access to funds compared to traditional loans.

PO financing disadvantages include:

  • It can be more expensive than other financing.
  • Not all businesses or purchase orders qualify for financing.
  • Dependency on the creditworthiness of your customers.

No upfront cash from you! GrowKap will cover it all – 100%. You’ll see money coming in at the end of the deal without seeing money going out at the start.

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Hi, I’m Wouter!

I’d love to discuss how we can help your operation with our working capital solutions. I’m looking forward to meeting you and answering all of your questions about AREA42.

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