We pay your vendors so you preserve cash and keep orders moving. You repay us in up to 90 days.
Vendor Financing is a short-term working capital solution: Drip Capital pays your suppliers upfront, and you repay on terms of up to 90 days. It frees up the cash that would otherwise sit trapped between paying vendors and getting paid by your customers. Importers, wholesalers, distributors, and manufacturers use it to keep ordering without draining their cash.
Once you're approved and set up on the Drip Capital portal, here's how it works.
You purchase anything from a vendor, they send you an invoice.
You upload that invoice on Drip Capital's portal.
Within 24 hours, your vendor is paid.
You then repay Drip Capital in 90 days.
Unlike traditional bank financing, Vendor Financing does not require you to pledge any assets. Your trade history is enough.
Your credit decision takes just 48 hours. After that, every invoice you submit is funded within 24 hours.
Extended repayment terms mean your cash stays in your business longer. Make a one-time payment when you actually receive payment from your customers.
Pay your vendors in any country, any currency. Pay them pre-shipment or on-shipment, pre-service or on-service.
You need additional cash to manage your vendor payments.
You need to pay a vendor before your customer has paid you.
You want to buy extra inventory ahead of your peak season.
Your vendor offers a discount for paying early.
Purpose-built for businesses that need to pay vendors fast.
| Feature | Drip Capital | Traditional Bank | MCA / Alt Lender |
|---|---|---|---|
| Credit Decision | 48 Hours | 4–8 Weeks | 1–3 Days |
| Vendor Payment Speed | Same day | 3–7 days | N/A |
| Collateral Required | None | Yes (Assets) | Sometimes |
| Repayment Terms | Up to 90 days | Fixed monthly | Daily/weekly |
| Global Vendor Payments | Yes, any currency | Limited | No |
| Dedicated Account Manager | Yes | Sometimes | Rarely |
Vendor Financing is a short-term working capital solution. Drip Capital pays your vendors upfront, and you repay on terms of up to 90 days. It frees up the cash that would otherwise sit trapped between paying suppliers and getting paid by your customers.
You buy from a vendor and upload their invoice on the Drip Capital portal. We pay the vendor within 24 hours, and you repay us in up to 90 days. After a one-time credit decision, every invoice you submit is funded the same way.
Not quite. Trade credit is terms your vendor extends to you directly. Vendor Financing brings in a third party, Drip Capital, to pay the vendor now, so you get more time to repay without leaning on the vendor's own terms.
They overlap. Supply chain finance is a broad term for financing payments across a supply chain. Vendor Financing is the part that pays your suppliers on your behalf so you can hold onto cash longer.
No. Drip Capital underwrites your trade history and your buyers, not your assets, so you do not have to pledge collateral.
Once you are set up, vendors are typically paid within 24 hours of you submitting the invoice. The initial credit decision takes about 48 hours.
Join thousands of businesses that use Vendor Financing to preserve cash and scale their supply chain.