PivotFinancing

Solutions

Purchase Order Financing Invoice Factoring Export Factoring Import & Trade Finance Supply Chain Finance
Industries How It Works About Partners
Trade finance across the Americas

Big orders shouldn’t wait for your bank.

Purchase order financing, factoring and trade finance for companies that sell across the Americas. We fund the gap between the order and the payment, so you can say yes to growth.

Supplier paidWire or letter of credit
Invoice advancedUp to 90% of value
Term sheetWithin 48 hours
Miami HQ
  • Funding from $250K to $10M
  • Decisions in 48 hours
  • English & Spanish team
  • U.S. and Latin America
The problem we solve

Your customers pay in 60 to 120 days. Your suppliers want to be paid now.

Every growing company hits the same wall: the orders are there, but the cash is tied up. Banks look backward at your balance sheet. We look forward at your purchase orders, your invoices and the strength of your customers. That is how a company with a great order book but a thin balance sheet gets funded.

Banks look backwardYears of profits, collateral, perfect credit.
We look forwardYour purchase orders, your invoices, your customers’ strength.
The cash gap: Pivot funds it
  1. Day 0Order received
  2. Day 5Supplier wants payment
  3. Day 35Goods shipped
  4. Day 60Delivered & invoiced
  5. Day 120Customer pays
Real trade, real transactions

From the factory floor to your customer’s warehouse.

Factory floor
1 Factory floorWe pay your supplier
On the water
2 On the waterWe fund goods in transit
Your customer’s warehouse
3 Your customer’s warehouseWe advance on the invoice
How it works

Three steps. No long wait.

1

Tell us about the deal

Share the purchase order, invoices or trade transaction. A specialist replies within 1 business day.

2

Get a clear proposal

We review your customers, suppliers and the transaction, then send a term sheet with every cost in writing.

3

Get funded

We pay your supplier or advance against your invoices, and stay with you until the transaction closes.

Start with one transaction. No long-term commitment required.

Get Funding Options
Cash gap estimator

How much cash is waiting in your receivables?

Move the sliders. See how much working capital your customers’ payment terms are holding back, and what an advance could unlock.

Cash tied up in receivables —
Potential advance (up to 90%) —
Days you wait without funding:
Unlock this capital

Illustrative only. Not an offer of credit. Advance rates and every fee are set in your written term sheet.

Why Pivot Financing

Built for companies that trade, not for bank checklists.

About

We fund the transaction, not just the balance sheet

Young companies, fast-growing companies and companies coming out of a tough year qualify when the deal is solid.

Cross-border by design

We understand Incoterms, customs, letters of credit, foreign buyers and currency. Most factors stop at the border. We start there.

One partner from order to payment

PO financing rolls into factoring automatically. No refinancing, no second lender, no gap.

Straight answers, in writing

Every fee is disclosed in your term sheet before you sign. No surprises at closing.

Bilingual, on your time zone

Our team works in English and Spanish, across the U.S. and Latin America.

What you can expect

1 business day Answer to every request
48 hours Term sheet after documents
7–10 days To your first funding
100% in writing Every fee, before you sign

Have an order on the table? Let’s fund it.

Tell us about the transaction. You will hear from a specialist within one business day.