Quick Summary

Facility: $1,000,000 receivables-based credit line.
Structure: 90% advance rate with recourse factoring.
Speed: Onboarding completed within weeks despite cross-border complexity.
Stability: Payroll and supplier obligations supported during U.S. expansion.
Growth: Enabled strategic U.S. partnerships and market penetration.

The Challenge

A global consumer products company specializing in premium beverage concentrates was scaling its presence in the United States through a newly formed U.S. subsidiary. The company produces high-end beverage concentrates using natural ingredients and proprietary cold-brewing technology, with a product line that includes fruit syrups, coffee syrups, and gourmet beverage additives.

Its products are positioned squarely in the premium and specialty beverage market, serving specialty coffee shops, cafés, and foodservice businesses worldwide. The company emphasizes non-GMO inputs, real fruit flavors, and clean-label formulations, which resonate strongly with quality-driven operators but also require disciplined production planning and reliable supplier relationships.

As U.S. demand increased, the company faced growing pressure on cash flow. Payroll, supplier payments, and operating expenses in the United States came due faster than customer payments were collected. Capital became tied up in receivables at a critical stage of market expansion, creating strain on day-to-day operations.

The situation was compounded by cross-border complexity. With a New Zealand–based parent company and U.S. subsidiary operations, traditional lenders were slow to respond and hesitant to extend flexible credit. The business needed a financing partner that could navigate international documentation requirements while still moving quickly.

The Porter Solution

Porter Capital structured a $1,000,000 receivables-based factoring facility tailored specifically to the company’s U.S. operations. The facility provided a 90 percent advance rate under a recourse factoring structure, allowing the company to unlock liquidity directly from its invoiced sales activity.

Despite the international ownership structure and documentation requirements, initial onboarding was completed within weeks. Porter worked through the necessary approvals, verifications, and coordination to ensure the facility aligned with the company’s operational needs.

Once the Notice of Assignment was executed and invoices were verified, first funding occurred shortly thereafter. This enabled same-week liquidity, providing immediate relief and restoring predictability to cash flow at a pivotal moment in the company’s U.S. growth trajectory.

The Results

With funding in place, cash flow for U.S. operations stabilized. The company was able to meet payroll and supplier obligations consistently, reducing operational stress and allowing leadership to focus on execution rather than cash timing.

The availability of dependable working capital supported expansion into new strategic partnerships across the United States. As receivables grew, liquidity scaled alongside sales, giving the business confidence to continue investing in distribution, production, and market development without interruption.

Post-financing, the company expanded its U.S. footprint through additional partnerships, strengthening its position in the premium beverage and specialty foodservice market.

Why They Chose Porter

The company selected Porter Capital for its ability to deliver fast, flexible funding without the delays and rigidity common with traditional financing. Porter’s experience working through international structures and its willingness to move quickly through onboarding and funding were decisive factors.

Speed mattered. Flexibility mattered. Most importantly, the facility was structured around real operating needs rather than forcing the business into a one-size-fits-all lending model.

As the company’s CFO shared: 

“Porter Capital’s speed and flexibility allowed us to support our U.S. growth without slowing down operations.”

About Porter Capital

When traditional lenders say not yet, Porter Capital says now. Porter funds receivables so growing businesses can maintain momentum. With quick decisions, next-day advances after onboarding, and a relationship-driven team that understands complex operating structures, Porter converts approved invoices into dependable working capital that scales with sales. 

Family-owned and practical, Porter Capital delivers the certainty operators need when timing matters most.