PO-backed. Shipped. Waiting 60 days.
Not anymore.
You ship against a purchase order, issue a commercial invoice with net-30 or net-60 terms, and wait while payroll and raw-material costs keep running. Quaystone closes the gap — buys the commercial invoice backed by the PO, advances same-business-day cash, and lets your customer pay when they pay.
- PO-backed invoices priced on buyer credit
- 30–60 day terms funded same-business-day
- Raw-material and payroll gap closed
- Non-recourse on PO-verified receivables
- Face value
- $312,000.00
- Debtor
- Tier-2 auto OEM
- PO reference
- PO-2024-8821
- Terms · funding
- Net-60 · same-day ACH
Model MFR-0217 · PO-verified · payment gap: 60d → 0d
Four steps. From shipment to funded same day.
The commercial invoice you send with every shipment is already an asset. We treat it that way — priced by the buyer's credit, the PO backing, and the shipping docs, not by a small-business credit score.
- 01
Submit your commercial invoice
Upload the invoice with its PO reference, packing slip, and bill of lading. We read buyer name, PO number, ship date, and net terms.
- 02
Underwriting priced on buyer credit, not your credit score
Our MFR-0xxx model prices the receivable on the end-customer's payment history and the PO backing, not a generic small-business grid.
- 03
Choose recourse or non-recourse
Non-recourse shifts buyer default risk off your balance sheet. Recourse cuts the rate. You pick. We write the contract the same day.
- 04
Cash before payroll or the next materials run
Same-business-day ACH once the invoice clears verification. The 60-day gap closes the day you ship.
Legacy factors price your credit score.
We price the PO.
Four documents. That's the full package.
Every manufacturing invoice submission needs the same four documents. Have them ready before you hit submit — we read them same day.
- Purchase Order (PO)Confirms buyer obligation — our underwriting anchor
- Packing SlipProves goods shipped; ties delivery to the invoice amount
- Commercial InvoiceThe receivable itself — face value, terms, buyer
- Bill of Lading (BOL)Third-party proof of shipment / transfer of title
Ohio job shop. Tier-2 auto OEM. 62-day wait → same-day cash.
A custom metal fabricator in Youngstown shipped a $312,000 order against a net-60 PO from a Tier-2 automotive OEM. Quaystone bought the commercial invoice backed by the PO and packing slip, advanced same-business-day ACH, and absorbed the 62-day wait on its own balance sheet. The shop started its next materials run the day the truck left.
OEM paid net-60; raw materials and payroll ran the week the truck shipped.Quaystone absorbed the 62-day wait and wired same-day.
Non-recourse · PO-verified · MFR-0217 model
Answers manufacturers ask in week one.
These are the four questions that come up on every manufacturing call. Everything else, send it over and we'll come back same-business-day.
Start an offerSend a manufacturing invoice. Get a price in hours.
No materials questionnaire, no ATS integration. Send the commercial invoice, the PO, and the packing slip — we read them the same day and come back with advance rate, fee, recourse option, and the wire date before your next payroll runs.