Solving Cash Flow Tension Between Manufacturer and Resin Supplier

Precision-Poly Molded Plastics (Sample Company), a mid-sized injection molding manufacturer, operates on standard net-30 terms with its vendors. One of its critical raw material providers, Polymer Resin Supply (Sample Company), delivers high-grade resin used in production molds but struggles with cash flow and cannot afford to wait 30 days for payment. Polymer Resin Supply often requires upfront or immediate payment to maintain its own purchasing commitments further upstream.

Precision-Poly Molded Plastics needed to keep production flowing and maintain its 30-day terms for internal cash flow planning. Polymer Resin Supply, on the other hand, needed immediate liquidity to fulfill orders and meet demand. Without a solution, Polymer Resin Supply risked delaying resin shipments—jeopardizing Precision's production schedule, delivery timelines, and customer commitments.

Vendor Pay Express stepped in with an interest-free, unsecured credit line for Precision-Poly Molded Plastics, exclusively for vendor payments. Precision drew from this line to pay Polymer Resin Supply immediately upon invoicing, allowing Polymer Resin Supply to receive early payment in exchange for a small discount.

• Polymer Resin Supply submitted a $50,000 invoice for a scheduled resin shipment.

• Precision approved the invoice and submitted it through the Vendor Pay Express platform.

• Vendor Pay Express disbursed funds directly to Polymer Resin Supply within 24 hours after approval from Precision-Poly Molded Plastics.

• Polymer Resin Supply accepted a 3% early payment discount to receive payment from Vendor Pay Express.

• Precision retained its internal net-30 cycle, using the credit line to delay cash outflow without affecting its working capital.

• Polymer Resin Supply stabilized its cash position and continued uninterrupted delivery of raw materials.

• Precision-Poly Molded Plastics maintained uninterrupted production, retained its preferred terms, and strengthened its supplier relationship.

• Both companies improved cash visibility and predictability—without borrowing costs to the buyer.

This example of real-world scenario highlights how Vendor Pay Express bridges the financial gap between buyers and vendors—without compromise. It’s a scalable, interest-free solution that empowers buyers like Precision Molded Plastics to uphold terms while enabling suppliers to operate with speed and confidence.