Experience collateral-free liquidity with supply chain financing that brings institutional rates to the mid-market without traditional lender restrictions.
We pay your suppliers up front, you pay us later
More than 1,000 successful transactions completed.
Over $500 million in supplier invoices accelerated and invested.
Typical client revenue ranging from $50 million to $1.5 billion.
At Zenith, we deliver insurance-backed supply chain financing that empowers mid-market and PE-backed companies with the liquidity they need—without restrictive covenants or supplier buy-in.
Our approach complements your existing capital, enabling faster scaling, optimized cash flow, and stronger supplier relationships—all with a seamless, debt-free solution.
Retail moves fast, especially when it comes to seasonal inventory. Zenith’s solution lets us stock up ahead of key sales periods without tapping into our traditional credit lines. Their financing helped us optimize inventory flow while keeping our cash reserves strong.
In the food industry, timing and supply consistency are everything. Zenith’s insurance-backed financing allowed us to secure bulk raw materials when prices were favorable, without locking up our working capital. Their support gave us the agility we needed to meet growing demand and stay competitive.
Zenith team is awesome in terms of their responsiveness, ease of doing transactions and creates additional liquidity for our business.
Our projects require significant upfront investment in equipment and specialized materials. Zenith’s financing solution enabled us to cover these costs without straining our balance sheet. It’s a flexible, smart tool that’s aligned perfectly with the long lead times in our industry.
Experience a funding solution that extends your payment terms up to 180 days—boosting cash flow, strengthening supplier relationships, and fueling sustainable growth without collateral or added debt.
Unlock flexible working capital that empowers your business without compromising supplier ties.
Quickly implement our financing solution with minimal disruption, ensuring smooth operations and rapid access to capital.
Our 4-step process helps you access capital without added debt or collateral. Dive deeper into the process to see how we can fuel your growth and strengthen your supplier relationships.
Contact Our Sales TeamSubmit an application for credit review and initial assessment. Zenith’s team analyzes your supplier payment structure and identifies optimal working capital opportunities.
Zenith's underwriting team evaluates financial statements and supplier payment histories to assess credit profile and establish appropriate credit limits.
Upload invoices to Zenith's payable portal up to your approved credit limit. Zenith pays suppliers directly and gives you up to 180 days to repay.
Extended payment terms unlock liquidity while preserving trade payable classification, avoiding restrictive covenants and collateral requirements.
Fuel innovation with debt-free, insurance-backed, streamlined financing.
Ensure smooth supply chain operations with fast, scalable liquidity solutions.
Streamline supplier relationships and secure flexible funding to boost operational resilience.
Enhance liquidity for sectors like furniture and CPG without the burden of collateral.
Extended payment terms to stay competitive in dynamic markets.
Unlock working capital to drive operational efficiency and accelerate production growth.
Actionable insights to optimize your business's liquidity during challenging times.
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Most suppliers offer early payment discounts of 1-5% for paying within 10 days. With Zenith’s solution, you can capture these discounts while extending your payment terms up to 180 days. For many clients, these supplier discounts exceed our financing costs, creating net savings while improving working capital.
Our insurance-backed model allows us to offer competitive rates ranging from 0.5% to 1.25% per 30 days based on your risk profile and volume. This pricing sits well below mezzanine financing while offering flexibility conventional bank financing cannot match – without collateral requirements or restrictive covenants.
No. Unlike traditional supply chain finance programs, Zenith’s solution requires no supplier contact or onboarding. Zenith simply pays suppliers directly on your behalf. This maintains your existing supplier relationships while still optimizing your working capital.
Zenith’s unique financing structure is designed to be classified as a trade payable on your balance sheet, not as debt. This typically allows for off-balance sheet classification, which many of our clients maintain due to our specialized documentation and program structure. However, accounting approaches can vary based on specific implementation details and your organization’s policies. We recommend consulting with your accounting team or auditors to confirm the appropriate classification for your particular circumstances.
Most auditors classify Zenith’s financing as a trade payable due to our unique structure and documentation. This typically allows for off-balance sheet classification, preserving key financial ratios. However, final determination depends on your specific implementation and auditor policies. We can provide documentation that has supported this treatment for our existing clients to share with your audit team.
Zenith’s implementation process can be as quick as 7-10 days from first contact to funding. The typical timeline includes:
While this accelerated timeline is possible, most implementations naturally spread over 2-4 weeks to accommodate client schedules and internal processes. This is still significantly faster than traditional financing solutions that typically require months to implement.
To qualify for Zenith’s financing solution, your company should meet these key criteria:
We evaluate each application individually and can sometimes accommodate situations that don’t perfectly match these guidelines.
Fill out the form below with your details and select your industry. If you’d like to book a consultation, please give us a call directly.
Join our exclusive network and offer your clients innovative, insurance-backed supply chain finance. Fill out the form below to request more information and download our detailed Partnership Program PDF.
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