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Órdenes de Compra

Purchase order financing (PO financing) is a way for resellers that lack cash flow to pay their suppliers to fulfill a large order. The PO financing company pays the supplier to deliver the goods to the end customer. The end customer then pays the PO company directly. The PO financing company deducts its fees and sends the rest to the reseller.
  • Resellers typically pay the PO financing fees
  • It is best to start PO financing process as soon as possible
  • PO financing is typically used to fund the purchase of finished goods, not manufacturing

¿Qué es la financiación de la orden de compra?

Orden de compra (correos) la financiación es una manera para que los revendedores que carecen del flujo de caja para comprar el inventario para completar pedidos de los clientes. La empresa financiera PO pagará al proveedor para entregar la mercancía al cliente. El cliente paga la empresa de financiación PO directamente. La empresa financiera PO entonces deducir su propia comisión y envía el resto al distribuidor.

¿Cuál es la factorización?

financiación PO puede ser utilizado para financiar una orden próximo. Después de una orden se ha cumplido, the business can sell the invoices for the fulfilled order at a discount to a factoring company or a bank. con el factoring, a business can obtain working capital in as little as 24 a 48 horas. To learn more about factoring, please visit our pages for Pequeños Negocios Factoring o factorización de facturas.

Most factors buy your invoices on a recourse basis. This is similar to a short-term loan, because if your customer does not pay, the invoice is charged back to you. En comparación, Business Factors buys your invoices outright—through a process known as factoring sin recurso—so that you are not charged if the invoice is not collected. A business can factor all or just one of its invoices through something known as factorización de punto.

This process is called simply “factoring.” “Purchase order factoring” is an inaccurate term that conflates purchase order financing with factoring.

Para ser elegible para la financiación PO, las transacciones deben ser recurrentes, ser por un mínimo de $50,000 y ser no cancelable con un margen de al menos 20%. financiación PO es generalmente sólo están disponibles para cubrir las transacciones de reventa rectas, No la fabricación de bienes.

El que las transacciones son elegibles?

Los criterios varían entre las empresas PO, pero en general los proveedores de financiación van a buscar para que la transacción cumple con los siguientes criterios:

  • Una transacción recurrentes de al menos $50,000. empresas PO minimizar los riesgos si la suscripción de transacciones por primera vez. transacciones más pequeñas requieren tanta diligencia como los más grandes, PO lo que las empresas establecen una cantidad umbral.
  • Non-cancelable with a minimum margin of 20%. The margin requirement ensures that after paying the PO company’s fees—and possibly a factoring company’s fees as well—the reseller still makes a profit. No financing company wants to be responsible for putting another company in the red.
  • Not a guaranteed or consignment sale. Goods purchased under these arrangements can be returned, which can eat into reseller’s—and PO financing company’s—margins.
  • A purchase of finished goods, not goods that have yet to be manufactured. Muchas empresas PO sólo financiar reventas rectas, sin modificaciones, para reducir los riesgos.
  • Doméstico, a menos que la compañía acepta las transacciones internacionales. Algunas empresas sólo suscribir acuerdos nacionales, mientras que otros estarán abiertos a trabajar con empresas en el extranjero. Póngase en contacto con uno de nuestros ejecutivos de hoy para ver cuál es la mejor alternativa para financiar su negocio es.

How does PO financing work?

PO financing can be structured in many different ways.

PO financing can be structured in many different ways, depending on (una) the financing companies involved, (segundo) the industry and the location of the buyers, resellers and suppliers and (c) the timing of the transaction, entre otros factores. The basic premise of any PO transaction is that a reseller does not have the funds to fulfill an order from a customer.

A sample PO financing transaction could work in six steps:

  1. A reseller gets a purchase order from a customer.
  2. A PO financing company verifies the order and agrees to cover all or a part of the reseller’s costs.
  3. The PO financing company issues a letter of credit (L/C) to the reseller’s supplier or pays for the order directly.
  4. The supplier ships the goods to the end customer.
  5. El cliente paga el financiero PO en el marco de tiempo asignado (como 60 dias).
  6. La empresa financiera PO sustrae sus honorarios y envía el distribuidor el resto del pago menos sus honorarios.

Alternativamente, una empresa de factoring puede ser utilizado en #5 para reducir o eliminar el tiempo que el distribuidor tiene que esperar a que la factura a pagar. El conseguir pagado más rápido permite que el distribuidor de reinvertir el dinero en su negocio o financiar otro orden grande.

En una transacción PO, a PO financing company pays a reseller’s supplier directly to ship the goods to the end customer. The end customer then pays the PO financing company. The PO financing company deducts its fees and sends the remainder of the money to the reseller

Let’s take a look at an example of a US-based chemicals reseller who just received a $500,000 order from an international oil company.

Both the reseller and the supplier are located in Canada but have not done business together before. The reseller was promised additional business if it fulfills the order within a specified deadline, but it lacks the financial capacity to do so.

  • Orden de compra (correos) amount: $500,000
  • Cost of supplies: $350,000
  • PO fee: 10% of the PO amount
  • Payment terms: Red 90 dias

The PO financing company issues a letter of credit (L/C) for $500,000 to the supplier’s bank to guarantee payment.

Once the goods are shipped, the supplier provides proof to its bank. The supplier’s bank then forwards the proof to the bank that issued the L/C to obtain payment. L/Cs are legally binding and are often used in the cross-border transactions or when the parties have not done business together before.

Once the order has been fulfilled, the customer pays $500,000 to the PO financing company.

The PO financing company pays the supplier $350,000. From the remaining $150,000, it subtracts its 10% fee ($50,000) and forwards what’s left ($100,000) to the reseller as its profit.

Alternativamente, instead of waiting for 90 dias, the reseller may choose to factor the invoice. En ese caso, the factoring company pays the PO company $350,000, holds a percentage of the invoice as reserve and advances the reseller the rest. Una vez pagada la factura, the reserve—minus the factoring company’s fee—is returned to the reseller.

What does a PO financing company evaluate in a PO transaction?

As part of the qualification process, the PO financing company typically reviews the credit profile and track record of other parties involved in the transaction:

  • The end customer. The credit profile of the final client is important since it is the party paying for the transaction. empresas de financiación PO son propensos a realizar una verificación de crédito en el cliente final.
  • El proveedor. El financiero evaluará el perfil de crédito de los proveedores. Sirve de ayuda si están bien establecidas las empresas con un registro de pago buena pista, no hay quiebras recientes y sin antecedentes de litigios graves. Algunas compañías de financiación PO no van a financiar una transacción si el proveedor está experimentando problemas financieros o necesita un avance para financiar la producción.
  • el distribuidor. The reseller’s ’s financial situation is important to ensure that it has the ability to fulfill the order if the supplier funding is extended. The PO financing company will review public records to ensure that the reseller does not have serious tax or legal problems. The reseller’s individual credit score is less important, since the financing mostly relies on the creditworthiness of the end customer. Los propietarios de los distribuidores que tienen un historial de transacciones similares podrían ser obligados a firmar una garantía personal y pueden haber verificado su crédito.

El proceso de financiación PO debe comenzar tan pronto como sea posible, especialmente para las transacciones internacionales complejas.

Cuando un distribuidor debe iniciar el proceso de financiación PO?

Si un distribuidor cree que él o ella podría necesitar financiación PO, lo mejor es iniciar el proceso tan pronto como sea posible. De hecho, a running joke in the financing industry is that a business should look for PO financing before it needs it.

This is because in many cases PO financing is done for complexoften cross-border transactions—and due diligence and structuring for such deals can take some time. Contact Business Factors & Finance today to get started.

Conclusión

PO financing is typically extended to a reseller’s suppliers to cover the cost of inventory for a large order. It is not usually used to cover production costs or cover supplier’s cost of manufacturing the goods. Once the goods are shipped, the end customer pays the PO financing company directly, and the PO financing company deducts its fees before sending the rest to the reseller. End customers’ credit profiles and suppliers’ and resellers’ financial situations are factors taken into consideration by a PO financing company. Para ser elegible para la financiación PO, las transacciones deben ser recurrentes, a minimum of $50,000 and non-cancelable, with a margin of at least 20%. PO financing can be combined with factoring— sale of invoices to a factoring company—to eliminate or reduce the wait for the end customer to pay the receivable. A reseller should start the PO financing process as soon as possible, especially in the case of a complex, international transaction. Contact one of Business Factors’ executives today to understand more about how the process works and to get a quote.

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