Bridge finances up to 100% of eligible COGS and gets repaid only when Walmart or Sam's Club pays you. No equity given up. No daily debits. Up to 100% of COGS. Repaid when Walmart pays. Terms in 48 hours.
Different stages of growth require different capital. Bridge aligns the right structure to your business, retailer, cash flow, and order timeline, then manages the process through funding.
Most lenders only show up after you've already fronted the cash. Bridge starts at T+0, the moment Walmart or Sam's Club issues your order, so production never waits on a bank.
From the moment you receive the PO through delivery. Bridge pays your supplier so production never stops while you wait for Walmart's settlement cycle.
Invoice factoring, AR loans, and SCF programs all start after the goods ship. By then you've already covered COGS out of your own bank account.
Only PO financing covers the gap from PO received through paying your supplier, before Walmart pays you back.
A facility opened once. Then draw against it every time a new PO drops. Funds release same-day, and you repay only when Walmart pays.
One intake with basic financials and your Walmart program. Most complete submissions receive terms in under 48 hours.
When you're expecting an order, share the cost detail with Bridge and we'll finance the costs you need to fulfill it. Funds release against your facility, typically same-day on repeat draws.
Once Walmart settles the invoice, you repay Bridge from the remit. The facility resets and is ready for your next PO.
Factoring starts after you've shipped. Lines of credit weren't sized for production. MCAs debit you daily, regardless of when Walmart pays. PO financing fronts the cash the moment the order is issued, and is repaid only when Walmart pays you.
| MCA | Bank LOC | Factoring | Legacy PO Lender | Bridge | |
|---|---|---|---|---|---|
| Time to funding | 1 to 5 days | 5 to 16 weeks | 2 to 6 weeks | 3 to 8 weeks | Under 2 weeks |
| Effective APR | 40 to 100%+ | 6 to 12% | 10 to 30% | 18 to 48%+ | Competitive, transparent |
| When it funds | Anytime | Post-shipment | Post-shipment | Pre-shipment | Pre-shipment (T+0) |
| Repayment | Daily ACH debits | Monthly principal & interest | On invoice collection | On invoice collection | When Walmart pays you |
| Commitment | Daily debits until paid off | 1st lien on all assets | 12-month contract, all customers | 1st lien on AR & financed inventory | Per draw, can pair with other debt |
| Built for Walmart POs | No | No | Partial | Generic | Purpose-built |
Get approved for a facility once. Draw against it each time you have a new PO or expected PO from Walmart or Sam's Club. Funds release the same day. When Walmart pays the invoice, you repay and the line resets.
Adjust the PO size, days outstanding, and your gross margin. We'll show your estimated financing cost with a Bridge PO facility and let you compare versus typical costs for other structures.
Our risk model is built around the actual fundamentals of each Walmart category, including lead times, return rates, OTIF dynamics, and reorder cadence. That means more accurate pricing and faster decisions for your specific product.
No upfront fees. No prepayment penalty. No daily debits. Indicative terms below are what most clean-file Walmart suppliers see. Final pricing depends on your supplier history, order size, category, and overall financial profile.
If your current financing has any of these, ask why. They're how most MCAs and factors quietly inflate the all-in cost.
I couldn't have handled this process without Bridge or gotten this many options on my own. They made sure we met our delivery date.
Experienced bankers, advisors, founders in our NYC office and across the country, passionate about helping business owners access the right capital to grow.
Bridge secured over $500M in financing in 2025, and partners directly with some of the biggest distributors in the US to simplify financing your growth.
Most lenders ask suppliers to explain MABD, OTIF, SupplierOne and Retail Link from scratch. We underwrite to that language natively. Nothing gets lost in translation.