Quick Summary

Facility: $825,000 receivables-based factoring facility
Structure: 90% advance rate under a recourse facility with a $2,000,000 available line
Speed: Approximately 1.5 weeks from start of process to initial funding
Purpose: Provide working capital to staff customer support teams and support rapid growth
Impact: Enabled the company to fund approved customer invoices immediately and scale operations for a major client

Company Overview: A Business Process Outsourcing Platform Combining Automation and Human Support

The client operates in the business process outsourcing (BPO) industry and provides customized support solutions for companies that need scalable operational assistance.

Its service model blends automation technology with human customer support teams. This hybrid approach allows the company to deliver efficient service while maintaining the flexibility required for complex customer interactions.

By combining automated workflows with trained support professionals, the business helps its clients handle large volumes of customer requests while maintaining consistent service quality. This approach has allowed the company to grow quickly as more organizations look for ways to streamline operations without sacrificing customer experience.

The Challenge: Operating Losses and Growth Demands Created a Working Capital Gap

While the company’s services were gaining traction, its financial position created challenges when seeking traditional financing.

The business had experienced net operating losses during the previous two years. Although revenue opportunities were expanding, those losses made it difficult to secure conventional credit facilities through banks or traditional lenders.

At the same time, the company was preparing to support a major client engagement that required staffing additional support teams. Hiring and training personnel required immediate capital, but the company’s customers paid on standard commercial terms, creating a delay between delivering services and receiving payment.

Without a reliable source of working capital tied to its receivables, the company risked slowing its expansion and delaying support for new clients.

Finding the Right Financing Partner (& Why They Chose Porter Capital)

To bridge the gap between service delivery and customer payment cycles, the company began exploring receivables-based financing.

What stood out during the evaluation process was Porter Capital’s ability to structure a facility that could grow alongside the business. Porter proposed a $2,000,000 line designed to scale with the company’s receivables while providing immediate liquidity against approved invoices.

This flexibility allowed the company to access working capital as revenue expanded rather than relying on a static loan amount.

Just as important, Porter Capital was able to move quickly through the approval and underwriting process. From initial engagement to funding, the entire process was completed in approximately 1.5 weeks, allowing the company to secure capital when it needed it most.

The Solution: A Receivables Facility Designed to Support Operational Expansion

Porter Capital structured a receivables-based factoring facility that allowed the company to convert approved customer invoices into immediate working capital.

By advancing funds against outstanding receivables, the business gained access to liquidity shortly after issuing invoices rather than waiting for customers to complete their payment cycles.

This structure aligned financing directly with revenue generation, giving the company a predictable way to fund growth as it expanded service capacity.

The Outcome: Immediate Liquidity to Support Client Growth

With the new factoring facility in place, the company was able to access funding against approved customer invoices as soon as they were generated.

This immediate access to working capital allowed the business to hire and staff support teams required to serve a large client engagement. Rather than delaying hiring until payments were received, the company could invest in personnel and operations immediately.

The facility also stabilized cash flow by aligning funding availability with invoicing activity. As the company continued to serve clients and generate receivables, it gained consistent access to the capital needed to support operations and growth.

Porter Capital’s Role: Turning Receivables Into Scalable Working Capital

By structuring a receivables-based facility tailored to the company’s operating model, Porter Capital helped transform outstanding invoices into predictable working capital.

The 90 percent advance rate provided immediate liquidity against approved receivables, while the $2,000,000 line created room for the company to expand as its client base grew.

Most importantly, the financing solution was delivered quickly. With funding completed in approximately 1.5 weeks, the company was able to move forward with staffing and operational expansion without interruption.

For companies experiencing similar challenges tied to growth, customer payment cycles, or difficulty obtaining traditional credit, receivables financing can provide a path to stable working capital.

Porter Capital works with businesses across a wide range of industries to convert receivables into immediate liquidity, allowing operators to focus on serving customers and scaling their operations. Contact us today if you’re looking for a partner that can move as fast as Porter Capital!