Hypothetical example: net-60 order cash calendar for a $48,000 wholesale order
| Day | Event | Cash | Note |
|---|---|---|---|
| Day 0 | Pay supplier | $36,000 out | Cash needed |
| Day 7 | Goods ship from supplier | None | Freight booked |
| Day 14 | Delivered and invoiced to customer | $900 freight out | Net 60 clock starts |
| Day 28 | Funding payment 4 of 12 (weekly) | $3,300 out | $13,200 repaid so far |
| Day 70 | Funding payment 10 of 12 | $3,300 out | $33,000 repaid so far |
| Day 74 | Customer pays invoice (Day 14 plus 60) | $48,000 in | Collection |
| Day 84 | Funding payment 12 of 12 | $3,300 out | $39,600 repaid in total |
| Result | Revenue minus supplier, freight and funding cost | $48,000 - $36,000 - $900 - $3,600 | $7,500 left |
All figures are hypothetical. The weekly repayment shown is an illustration only; replace it with the schedule and total repayment from your written offer.
When is the supplier due?
The supplier due date is day zero of your cash calendar: it is the day money leaves your account, and everything else is counted from it.
In the example, the supplier is paid $36,000 on day 0. Ask whether the supplier takes payment before shipping or on delivery, and whether a deposit and balance are split. Some suppliers offer their own terms for repeat buyers, and that may reduce what you need to fund.
Pull the date from the supplier's written invoice, not from memory. If the quote has an expiry, our guide to quotes that expire before a loan decision explains what to do.
What are the delivery and invoice dates?
Your invoice date is usually the delivery date or the date the customer accepts the goods, and the net 60 clock starts there, not on the order date.
In the calendar, goods ship on day 7 and are delivered and invoiced on day 14. Freight of $900 is paid then. Check your customer agreement for what starts the clock: shipment, delivery, acceptance or invoice receipt can differ by days.
Send the invoice promptly and to the right contact. A late or misrouted invoice delays the collection date by the same number of days, and your repayment schedule will not wait for it.
How long is the collection delay?
The collection delay is the number of days between paying your supplier and receiving the customer's payment: in the example, 74 days, which is 14 days to invoice plus 60 days of terms.
Customers do not always pay on day 60. Plan for a few days of float, and ask what the customer's usual payment pattern has been. In the calendar, 12 weekly payments run through day 84, so ten payments, $33,000, come due before the customer pays on day 74. That mismatch is exactly what to catch before you accept an offer.
If the structure does not fit the collection date, ask the funder whether another payment schedule or product is available. A working capital product for inventory deals and a revolving line can have different payment patterns. Details vary by product and business, and every offer is in writing.
What is the full cost through receipt?
The full cost through receipt is the supplier cost, freight and the dollar cost of funding, subtracted from the invoice amount you finally collect.
In the example, revenue is $48,000. Subtract the $36,000 supplier payment, $900 freight and the $3,600 hypothetical funding cost (total repayment of $39,600 minus $36,000 received), and $7,500 is left. Without any funding cost, the same order would leave $11,100.
Show cost in dollars, not as a rate, and compare it to the margin. If the remaining $7,500 does not justify the work and risk, the order may not be worth funding. Prime's guides say so when it is not.
What should you send to apply?
Send the customer's purchase order, the supplier invoice, your calendar and the usual bank and identity documents.
Business bank statements, government-issued ID and a voided business check are commonly requested, and larger requests may add tax returns or financial statements. Funders typically give a decision within 24 hours of a complete application, but funding time varies by product. When ready, start the online application. You can also review the wholesale distributors page and the working capital for inventory purchases page.
Frequently asked questions
What does net 60 mean?
Net 60 means the customer has 60 days from the invoice date, or another start date stated in the agreement, to pay. Check your customer's agreement, because the starting point and any early-pay discount can change your collection date.
Can I get funding if my customer is a large, reliable buyer?
A reliable customer helps the file, because it shows who will pay and when. The funder still reviews your business and sets its own terms, and rate, term and payment schedule vary by product and by your business.
What if my customer pays late?
Plan for it. Build a few days of float into the calendar and keep reserves, since repayments may continue on schedule. Ask the funder how the payment schedule works before you accept an offer.
Should I ask my supplier for terms instead?
It is worth asking, especially if you are a repeat buyer. Even partial terms can shrink the amount you need. If the supplier will not agree, funding the purchase may be the next option to review.
Is there any obligation when I apply?
No. There is no obligation to accept an offer, and checking your options does not affect your personal credit score.
Describe your purchase and deadline
Share the supplier due date and when your customer is due to pay.
Updated October 17, 2026 · Prime Funding Now Funding Team