PO funding evaluates your client's creditworthiness, not yours — making same-day capital available to contractors with imperfect credit who hold quality purchase orders.
How PO Funding Works for Contractors
Purchase order financing advances capital against a confirmed client purchase order. The funder pays your supplier directly — or releases capital for materials — so you can fulfill the contract without using your own cash.
When your client pays the invoice, the funder recoups the advance plus a fee (typically 2–5% of the PO value). The remaining balance goes to you.
The key distinction: PO funders underwrite your client's ability to pay, not your credit history. A PO from a Twin Falls school district or an Idaho state agency is near-bankable collateral regardless of who holds the contract.
PO Funding vs. Invoice Factoring
The two instruments are sequential — PO funding covers the pre-delivery phase, factoring covers the post-delivery receivable phase.
| Stage | Instrument | Timing |
|---|---|---|
| Pre-Delivery (materials, labor) | PO Funding | Before work starts |
| Post-Delivery (invoice issued) | Invoice Factoring | After work completes |
| Ongoing Operations | Revenue-Based Financing | Any time |
Qualifying Your PO for Same-Day Funding
Not all purchase orders qualify for same-day processing. These factors accelerate approval and maximize advance rates.
- Client is a government entity, public institution, or rated corporation
- PO is signed and includes delivery address and payment terms
- PO value exceeds $10,000 (most funders have minimum thresholds)
- You have an existing relationship with the funder — first-draw applications take longer
For Magic Valley contractors, POs from Amalgamated Sugar, Lamb Weston, or Twin Falls County are among the highest-quality collateral available in the region.
Submit your PO alongside your business bank statements and a one-page application. Same-day approval is achievable before noon on most business days for pre-qualified operators.
Quick Check
See what you qualify for in under 3 minutes.
No personal guarantee required. No hard credit pull. Revenue history is what qualifies you.
Check Capital Eligibility →Frequently Asked Questions
PO funding is not primarily credit-score dependent. Funders evaluate the creditworthiness of your client — the entity that issued the purchase order.
A PO from a Fortune 500 company or a government agency can qualify even if your personal score is below 550.
PO funders typically advance 70–90% of the PO face value. The remainder, minus fees, is released when your client pays.
For POs under $50,000 from creditworthy clients, same-day funding is often achievable.
Traditional PO funding covers supplier and material costs. For labor, revenue-based financing or an MCA is more appropriate.
Many contractors stack PO funding with an RBF draw to cover both categories simultaneously.
External Resource
SAM.gov Federal Contract Registry — SAM.gov — Federal Contract Registry
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Rev Boost Funding connects operators with independent financing partners. Not a lender.
Affiliate partnerships present.
Check Capital Eligibility →Project Finance Intelligence
The Construction Mobilization Capital Gap
Where the cash gap lives — and where RBF deploys.
Timeline represents typical municipal and commercial construction payment cycles. Actual timelines vary by contract structure.
Revenue Financing Estimator
How Much Capital Can You Access?
Adjust the inputs to estimate your funding range. Illustrative only — no credit pull.
Illustrative estimate only. Not a lending commitment. Actual terms depend on lender underwriting and business profile. Results vary.
Verify Actual Eligibility →