> For the complete documentation index, see [llms.txt](https://triple-plus-global.gitbook.io/tpt-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://triple-plus-global.gitbook.io/tpt-whitepaper/products/supply-chain-finance.md).

# Supply Chain Finance

**Status: 🗓️ Planned (Q4 2026)**

Expanding into purchase order financing for suppliers.

***

## What It Does

Suppliers to large corporations receive immediate payment on verified purchase orders, rather than waiting 60-90 days for delivery and invoice processing.

***

## Difference from Invoice Factoring

{% @mermaid/diagram content="flowchart LR
subgraph Timeline\["Payment Timeline"]
direction LR
PO\["Purchase Order<br/>Issued"] --> DEL\["Goods<br/>Delivered"] --> INV\["Invoice<br/>Submitted"] --> PAY\["Payment<br/>Received"]
end

```
subgraph Products["TPT Products"]
    SCF["Supply Chain Finance<br/>← Finances here"] -.-> PO
    IF["Invoice Factoring<br/>← Finances here"] -.-> INV
end" %}
```

| Product                  | Finances Against         | Timing          |
| ------------------------ | ------------------------ | --------------- |
| **Invoice Factoring**    | Submitted invoice        | After delivery  |
| **Supply Chain Finance** | Confirmed purchase order | Before delivery |

***

## Why Earlier Financing Matters

Suppliers often need capital to:

* Purchase raw materials
* Pay for manufacturing
* Cover shipping costs
* Bridge the gap until payment

Waiting until after delivery means missing the window when capital is most needed.

***

## Target Market

| Segment                 | Description                                                 |
| ----------------------- | ----------------------------------------------------------- |
| **SMB Suppliers**       | Small and medium businesses supplying to large corporations |
| **Manufacturers**       | Companies with long production cycles                       |
| **Seasonal Businesses** | Companies with working capital gaps                         |
| **Growth Companies**    | Businesses scaling faster than cash flow                    |

***

## Enterprise Integration

Supply Chain Finance requires integration with:

| System                    | Purpose                    |
| ------------------------- | -------------------------- |
| **Corporate Procurement** | SAP, Oracle, Coupa, etc.   |
| **PO Verification APIs**  | Confirm order authenticity |
| **Delivery Confirmation** | Track fulfillment status   |

This product will launch with anchor enterprise partners who provide:

* Verified purchase order data
* Confirmed payment commitments
* Integration cooperation

***

## How It Will Work

{% stepper %}
{% step %}

### Buyer issues PO

Buyer issues a purchase order to the supplier via an integrated system.
{% endstep %}

{% step %}

### PO verified

The purchase order is verified on the TPT platform automatically.
{% endstep %}

{% step %}

### Supplier requests financing

Supplier requests financing against the verified purchase order.
{% endstep %}

{% step %}

### Investor funds

An investor funds the supplier immediately.
{% endstep %}

{% step %}

### Supplier delivers

Supplier delivers goods per the purchase order terms.
{% endstep %}

{% step %}

### Buyer pays

Buyer pays at the original agreed terms.
{% endstep %}

{% step %}

### Investor receives principal + yield

Investor receives principal plus yield after payment.
{% endstep %}
{% endstepper %}

***

## Key Differences from Invoice Factoring

| Aspect       | Invoice Factoring           | Supply Chain Finance     |
| ------------ | --------------------------- | ------------------------ |
| Asset        | Invoice                     | Purchase Order           |
| Timing       | Post-delivery               | Pre-delivery             |
| Risk         | Delivery already complete   | Delivery risk exists     |
| Verification | Invoice + proof of delivery | PO + buyer confirmation  |
| Integration  | Seller-side only            | Buyer and seller systems |

{% hint style="info" %}
Supply Chain Finance launches Q4 2026. [Learn More →](https://quick-badge-086985.framer.app/)
{% endhint %}