Compare your options

Five financing types One actually starts when you need cash

Only PO financing pays your supplier before Walmart pays you back.

Timeline chart comparing Bridge PO financing, invoice factoring, SCF, and asset-based lending across the Walmart order cycle from T+0 PO expected through T+130 Bridge repaid. Bridge is the only option active from T+0.

T+0

You need cash now

Supplier payment is due when the PO lands. Bridge funds production from day one.

T+60

Factoring starts here

Invoice factoring and most bank lines only activate after you ship.

T+70

SCF starts here

SCF and dynamic discounting wait for Walmart to approve the invoice.

At a glance

What each option actually covers

Every alternative leaves a gap before delivery. Bridge covers it.

Pre-shipment

Bridge PO financing

100% of production funded when the order lands. Repaid when your retailer pays. No equity, no daily debits.

Active from T+0 through remit
Sized to the PO, not historical AR
Repaid on Walmart remit

Post-shipment

Invoice factoring

Advances against invoices after delivery. You still fund materials and production out of pocket for the first 60 days.

Post-shipment

SCF / dynamic discounting

Walmart-controlled early pay on approved invoices. Useful after T+70, not when you need to order materials.

Post-shipment

Asset-based / bank LOC

Sized on historical inventory and AR, not the PO in front of you. Partial advance on finished goods at best.

Any time

Merchant cash advance

Daily ACH debits regardless of when Walmart pays. Not aligned to your retail cash cycle.

Official Financing partner

Sell to Walmart or Sam's Club?

You qualify for exclusive pricing built for their suppliers. Approvals from buyer emails, no official PO required.

Apply now

Weighing cash or equity instead? See the dilution math. Why not cash or equity

Ready when your next order is

Fund production before you ship, not after

Get a facility approved before your next PO lands. Terms in 48 hours, subject to underwriting.

Request financing

Underwritten, approved, funded, and serviced by Bridge.

All financing is subject to application, credit review, and underwriting, and the terms, advance rates, fees, and availability described may change and vary by borrower, transaction, and state.
Figures in any calculator or example are illustrative, are not an offer of credit, and do not reflect your actual terms. Nothing here is legal, tax, or financial advice; consult your own advisors.