Industry

Artificial Intelligence, Data Engineering, and Cloud Infrastructure Consulting

Structure

$2MM Recourse Factoring Facility
90% Advance Rate

Time to Fund

Approved within 24 hours
Funded in 3 business days

The Challenge

A next-generation systems integrator specializing in large-scale data and AI transformation was entering a period of extraordinary growth. The company’s proprietary frameworks had quickly attracted enterprise clients seeking to modernize their data environments and implement advanced analytics at scale. With each new project came greater technical demand and an expanding roster of engineers and data scientists. Yet, despite the steady rise in signed contracts, cash flow did not always align with the company’s operational needs.

The firm’s payment cycles were typical of enterprise consulting: long, structured, and often unpredictable. As invoices aged, cash flow tightened. The company began facing payroll strain, delaying onboarding of critical technical staff. New opportunities had to be deferred because liquidity was tied up in receivables. 

Traditional banks, constrained by leverage ratios and balance-sheet requirements, were unwilling to extend additional credit. The firm’s leadership team recognized that without immediate working capital, their growth trajectory would slow, and their competitive edge in the rapidly evolving AI sector could erode.

Rather than seeking equity investment that would dilute ownership, they needed a financing partner capable of moving quickly, understanding their industry, and providing a reliable structure to bridge invoice payments into immediate liquidity. Porter Capital became that partner.

The Porter Solution

Porter Capital delivered a customized $2 million recourse factoring facility with a 90 percent advance rate on eligible receivables. From the first conversation to approval, the process took less than 24 hours. Funding followed three business days later once the required information was verified. The result was a seamless transition from constraint to cash flow confidence.

Porter’s underwriting team took time to understand the company’s specific revenue model and operational rhythms. They evaluated not only the receivables themselves but also the quality of the firm’s end customers and the nature of their contractual commitments. This collaborative approach gave leadership immediate clarity on how the facility would perform and the comfort that their financing structure would expand alongside their growth.

Once funded, the firm gained the liquidity to stabilize payroll, accelerate technical hiring, and support a surge of new enterprise projects. The factoring facility effectively transformed unpaid invoices into dependable working capital, removing the uncertainty that had hindered planning and execution. By partnering with Porter, the company preserved full ownership while accessing the capital necessary to continue scaling its delivery capacity.

The Results

Within months of receiving the facility, the company recorded a 40 percent increase in project delivery capacity. Expanded liquidity enabled the rapid onboarding of new engineering teams and the pursuit of larger, more complex enterprise engagements. Monthly recurring revenue doubled in six months as the company executed projects that had previously been delayed by working capital limitations. The leadership team also earned recognition through several industry awards highlighting innovation and growth momentum, evidence that the firm’s operational potential had been fully unlocked by financial flexibility.

Porter Capital’s involvement not only filled the cash flow gap, it restored predictability to a business built on performance and delivery. The team could now meet payroll without hesitation, fund expansion plans, and approach new opportunities with confidence. The revolving nature of the facility meant that as receivables grew, so did access to capital, creating a sustainable rhythm between operations and funding.

“Porter Capital gave us the financial runway to scale without compromise. Their team understood our business, moved fast, and helped us stay focused on delivering innovation. They’ve been a true partner in our growth.” — Company CEO

Why Porter

The company chose Porter Capital because of its unique ability to combine speed with understanding. Other financing options required personal guarantees, equity concessions, or extended underwriting cycles that risked slowing operations. Porter offered an alternative that delivered capital quickly while maintaining flexibility and control. The relationship was characterized by direct communication, rapid execution, and a shared understanding of how timing and trust impact growing businesses.

Porter’s experience across a range of industries, including technology services, gave the client confidence that they were working with a team familiar with both the challenges of scaling and the pressures of unpredictable payment schedules. That familiarity, paired with transparent terms and a straightforward onboarding process, distinguished Porter from traditional lenders and positioned them as a true partner rather than a transactional provider.

About Porter Capital

When traditional banks say “not yet,” Porter Capital says “now.” Porter funds receivables so growing businesses can keep moving fast. With quick decisions, next-day advances after onboarding, and a relationship-driven team that knows your industry, Porter converts approved invoices into reliable working capital that scales with sales.

Family-owned, practical, and committed to partnership, Porter Capital delivers what modern operators need most: speed, transparency, and the confidence to grow on their terms.