Step By Step Capitals P.O Financing:

• Targeted funding for small and medium-sized businesses to fulfill large customer orders without depleting working capital.

• Covers upfront costs for materials, production, or shipping when cash reserves are insufficient.

• Ideal for manufacturing, wholesale, and e-commerce sectors, especially startups or seasonal businesses with demand spikes.
  
  

  Key Features:

  • Advances 70–100% of the purchase order’s cost, based on verified POs from creditworthy clients.

  • Competitive rates: 2–6% of invoice value, depending on buyer’s credit quality and order size.

  • Often non-recourse: Step By Step Capital assumes risk of non-payment from the end customer.

  • Funds disbursed within 24–72 hours of approval.
    
    

  Purpose:

  • Bridges the gap between receiving a purchase order and fulfilling it.

  • Enables businesses to scale operations and meet large orders without financial strain.

  • Preserves cash reserves for other operational needs.
    
    

  Eligibility:

  • Based primarily on the creditworthiness of the customer issuing the PO, not the borrower’s personal credit history.

  • Minimum order value: $10,000; supports deals up to multimillion dollars.

  • Requires verifiable POs without return clauses and reliable, capable suppliers.

  • Ideal profit margins on orders: 15–20% or higher.
    
    

  Application Process:

  • Starts with online submission of the PO, supplier quotes, and basic business details.

  • Pre-qualification assesses PO feasibility and profit margins.

  • Upon approval, funds are disbursed directly to approved suppliers via wire or ACH.

  • Includes real-time portal access for tracking production and shipment milestones.

  • Transitions to invoice factoring post-delivery, with remaining balance (minus fees) paid after customer settles (within 30–90 days).
    
    

  Benefits:

  • Converts potential orders into revenue streams without equity dilution or high-interest debt.

  • Enhances supplier and customer relationships through reliable order fulfillment.

  • Transparent fees and no long-term commitments for cost predictability.

  • Flexible scaling for recurring orders, supporting sustained growth.

  • Often yields higher profit margins compared to declining orders or using costly credit.
    
    

  Strategic Advantages:

  • Enables businesses to seize large opportunities without cash flow constraints.

  • Hands-off coordination by Step By Step Capital minimizes administrative burdens.

  • Acts as a catalyst for growth, transforming POs into competitive advantages in fast-paced markets.