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§III · Perishable agricultural commodities

Capital advanced on produce invoices while buyers pay on 60-day terms.

Produce factoring advances funds against invoices from creditworthy buyers of fresh and frozen fruits, vegetables and other perishable agricultural commodities. Funding clears once the invoice is approved. The facility is structured around PACA requirements, so the trust and the lien work in the operator's favor.

→Produce Factoring
§What it is
  • I.iAdvance against receivables owed by commercial buyers of perishable agricultural commodities.
  • I.iiA substantial advance against invoice value is wired once the invoice is approved.
  • I.iiiThe facility operates within the PACA trust framework, preserving the seller's statutory protections on the receivable.
§How it works

Capital advanced on produce invoices while buyers pay on 60-day terms.

  1. 01

    Apply

    Submit a short application, your AR aging, and a sample of recent invoices from produce buyers. No hard credit pull on you.

  2. 02

    Underwrite the buyer

    We assess the credit quality of the buyer on the invoice. The decision hangs on them, not on you.

  3. 03

    Advance

    Funds wire against approved invoices once cleared, including weekends during peak season when product moves regardless of the calendar.

  4. 04

    Settle

    The buyer pays on their normal terms. You receive the reserve, less our fee. The cycle resets with the next shipment.

§Fit
Best for
  • 01Growers, shippers, wholesalers and brokers selling to creditworthy commercial buyers
  • 02Operators handling perishable product where payment cycles outlast shelf life
  • 03Seasonal businesses that need steady capital through harvest and peak shipping windows
  • 04Companies scaling volume faster than their bank line can accommodate
Not for
  • 01Direct-to-consumer sales without a commercial invoice
  • 02Product with no established buyer or no purchase order at shipment
  • 03Operators whose buyer base lacks verifiable commercial credit
At a glance
Funding speed
Once approved
Advance
Substantial against face value
PACA compliance
Facility structured within PACA trust
Availability
7 days, including peak season
Buyer credit
Underwritten per invoice
Collections
Monitored by the desk. Client retains collection responsibility.
V · Start the conversation

Send a few invoices from your buyers and we'll respond with indicative terms.

Call 323-434-5353 →Apply now →
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