Florida purchase order financing
    Florida · FL

    Purchase Order Financing in Florida

    Fund supplier costs on confirmed customer orders for Florida businesses. PO financing pays suppliers directly so you can fulfill orders larger than your current cash position — then pairs with factoring or a receivables line on the back end.

    Quick answer

    Purchase Order Financing for Florida businesses is arranged through Tzortzis Capital's placement process. Eligibility and closing timing depend on verified financials, the transaction and independent lender review. A term sheet is not a funding commitment.

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    Working Capital and Equipment Capital in Florida

    Established Florida companies with $5M+ in revenue often need a revolving line for operations and a separate term facility for equipment. We place both with banks and private credit funds.

    How Florida operators use purchase order financing

    Fulfill oversized national retail or distribution orders
    Fund overseas supplier deposits and production runs
    Compare operating-history-based working capital for supplier payments
    Bridge the cash gap between supplier payment and customer collection

    Typical Structure

    Transaction size$100K – $15M
    Funding coverageUp to 100% of supplier cost
    Cost2% – 4% per 30 days
    Time to closeTransaction-dependent; lender review required

    Tzortzis Capital evaluates and arranges capital placements. Independent capital providers determine eligibility, pricing, documentation and closing timing. Published ranges are indicative, not approvals or commitments.

    What it takes to qualify in Florida

    OrderConfirmed PO from a creditworthy commercial or government buyer
    Gross marginTypically 20% or more
    GoodsFinished or drop-ship goods; marine and hospitality supply evaluated case by case
    SupplierEstablished supplier with verifiable performance
    TakeoutFactoring or receivables line

    Illustrative scenario: Tampa marine supply distributor — $650K transaction

    Illustrative planning example, not a verified client closing. Amounts, timing and outcomes are assumptions, not available terms.

    A marine and hospitality supply distributor received a $900K purchase order from a regional cruise and marina operator. The supplier required a deposit and the distributor's cash was tied in seasonal inventory.

    PO financing$650K to cover supplier cost
    Margin22% gross margin
    Cost3% per 30 days
    Close8 days from PO verification

    The distributor fulfilled the order ahead of the cruise season, retained the customer, and set up a combined PO financing and factoring program for future orders.

    Why Florida deals are structured this way

    Florida's tourism and marine economy creates predictable, large orders that arrive on a seasonal cycle. Suppliers often want payment before the season starts, while customers pay after delivery. PO financing aligns the cash cycle with the order cycle, which is exactly the problem that keeps distributors from taking larger accounts.

    Florida purchase order financing questions

    Can Florida marine suppliers use PO financing?

    Yes. Marine, hospitality, and construction supply distributors are common PO financing users in Florida. The key is a confirmed order from a creditworthy buyer and a supplier with a performance history.

    Does PO financing work for seasonal orders?

    Yes. Seasonal orders are a strong fit because the transaction is discrete, the margin is known, and the repayment timing is tied to the customer's payment.

    What if the supplier is overseas?

    Overseas suppliers are workable with a letter of credit and a clear shipping/inspection process. The goods must be identifiable finished products.

    Also serving in Florida

    We also provide purchase order financing to businesses in Tampa, Miami and surrounding Florida submarkets. Underwriting is remote, so location does not limit access to capital.

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