Stronger suppliers. Better terms. Same balance sheet.
Supply chain finance lets your suppliers get paid early at a cost based on your credit, while you keep or extend your payment terms.
For retail chains, brands and large buyers
Your suppliers are the backbone of your shelves. When they are short of cash, you see it in late deliveries, stock-outs and price increases.
A supply chain finance program (also called reverse factoring) lets suppliers sell their approved invoices to Pivot Financing and get paid within days, at a rate based on your credit strength, not theirs.
Benefits for the buyer
- Extend payment terms without hurting suppliers
- Improve working capital and cash conversion cycle
- Reduce supply disruption and supplier failure risk
- Support small and diverse suppliers, a visible ESG commitment
- Simple onboarding; no cost to the buyer in standard programs
Benefits for suppliers
- Get paid in days instead of 60 to 120
- Lower cost than traditional factoring or bank credit
- Optional: use it only when you need it
- Online platform in English and Spanish
How it works
- 01
The buyer approves supplier invoices as usual.
- 02
Approved invoices appear on the Pivot Financing platform.
- 03
Suppliers choose which invoices to be paid early.
- 04
Pivot Financing pays the supplier, minus a small discount.
- 05
The buyer pays Pivot Financing the full amount on the original due date.
Coming soon — join the pilot list
Let’s design a program for your supplier base.