PayLTR

Supplier payment ahead of peak season

Sector: Wholesale
Employees: 8
Use case: Supplier payment ahead of peak season

  • The situation

    A wholesale distribution business in Rotterdam had secured a major contract to supply a regional retailer ahead of the spring season. Their supplier required 60% upfront payment — approximately €45,000 — before production would begin. The business had strong annual revenue (€1.2M) but their cash was tied up in outstanding invoices that would not be settled for another 45–60 days. A traditional bank loan would have taken 4–6 weeks to process. The window to secure the contract was 5 business days.

  • What they did

    The business owner completed the PayLTR application in under 8 minutes. After connecting his business bank account via Ponto, the pre-scan confirmed strong, consistent monthly cashflow. His application was approved and he received €45,000 in his business account the following morning

  • The outcome

    The supplier payment was made on time. The business secured the contract. During the 120-day payment break, the retailer invoices were settled — meaning by the time repayments began, the cash had already returned to the business. The owner chose to repay early after month 14.

The speed was the thing. I've applied for bank financing before — it took six weeks and they still said no. With PayLTR I had the money the next day. The payment break was exactly what I needed to close the gap between my cash going out and my invoices coming in.

Owner, Wholesale Distribution Business

Rotterdam (anonymous)

  • Amount financed

    €45,000

  • Application time

    8 minutes

  • Time to receive funds

    Next business day

  • Payment break used

    112 days

  • Early repayment

    Month 14 of 24

  • Result

    Contract secured, supplier paid on time