Supply Chain & Trade Finance · Accounts Payable

Accounts Payable Financing

Accounts payable financing lets buyers extend their payment terms — improving working capital — without straining supplier relationships. OAKRG arranges AP finance structures for buyers from $5M to $500M+ in annual payables.

Start the Conversation All Services
30–120 Days
DPO Extension
Supplier Neutral
No Impact on Relationships
$5M–$500M+
Annual Payables Volume
What We Offer

Capital Solutions Tailored to You

01
AP Financing Facilities
Revolving credit facilities enabling buyers to extend payment to suppliers while the financier pays suppliers on or before the original due date.
02
Structured Payables Finance
Bespoke AP structures for buyers with complex supply chains — multiple currencies, jurisdictions, and supplier credit profiles.
03
Trade Payables Securitisation
For larger programmes: securitisation of trade payables into a capital markets instrument, achieving lower financing costs than bank facilities.
04
Inventory Finance
Financing against goods in transit or in warehouse — extending the effective AP cycle without formal AP financing.
05
Cross-Border AP Finance
Multi-currency AP financing for buyers with international supplier networks — managing FX risk and jurisdictional complexity.
06
AP Programme Refinancing
Reviewing and refinancing existing AP facilities — improving pricing, extending tenor, or adding flexibility to existing structures.
AP Solutions
Payables Management
Who This Is For

Clients We Serve

Large Manufacturers
Buyers with $50M+ in annual supplier payables
Retailers
Large retail chains with diverse supplier bases
Infrastructure Companies
Construction and infrastructure businesses with large trade payable cycles
Healthcare Buyers
Hospital networks and healthcare groups with pharmaceutical and device payables
Private Equity Backed
PE-owned businesses optimising working capital
Corporate Treasury
Treasury teams managing group-level AP programmes
How We Work

The Process

01

Initial Consultation

We review your capital requirement, stage, and objectives to identify the right structure and investor type.

02

Documentation & Preparation

We assess your materials and identify gaps before investor introductions begin.

03

Targeted Introductions

We make direct introductions to investors with active mandates matching your profile — no mass distribution.

04

Term Negotiation & Close

We support term sheet review and work alongside your legal team through to execution and close.

FAQ

Frequently Asked Questions

Accounts payable financing is a working capital tool allowing buyers to extend the time they take to pay suppliers — improving their days payable outstanding (DPO) — while ensuring suppliers are still paid on time or early by a third-party financier. The buyer repays the financier on the extended due date.
By extending DPO — the number of days before paying suppliers — a company retains cash in its business for longer. AP financing does this without asking suppliers to accept later payment terms (which they may resist), because the financier pays suppliers on time while the buyer repays the financier later.
DPO (days payable outstanding) measures how long a company takes to pay its suppliers. A longer DPO means more working capital available at any given time. AP financing structures can extend DPO from 30 days to 60–120 days, representing significant working capital improvement for businesses with large payables.
AP financing is a buyer tool — it extends how long you take to pay your suppliers. AR financing (invoice factoring) is a supplier tool — it accelerates how quickly you receive payment from your customers. Both improve working capital but from opposite sides of the trade relationship.
Trade payables securitisation structures a portfolio of trade payables into a capital markets instrument — effectively borrowing against the entire AP ledger at capital markets rates rather than bank lending rates. It suits large programmes ($200M+) and achieves lower cost of funds than traditional bank AP facilities.
AP financing rates depend on the buyer's credit quality and the tenor of the extension. Investment-grade buyers typically pay 4–7% annualised on extended AP facilities. Sub-investment-grade buyers pay higher rates. Rates are significantly lower than the buyer's typical overdraft or revolving credit facility.
Yes. OAKRG structures and arranges AP financing facilities for buyers with $5M to $500M+ in annual payables, connecting them with bank-based SCF programmes, specialist AP lenders, and for larger programmes, capital markets structures.
Get Started

Optimise Your Accounts Payable

OAKRG arranges AP financing programmes that improve your working capital without straining supplier relationships. Tell us your annual payables volume and target DPO.

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