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Financing Dashboard
View current financing, amounts owed and learn more about additional financing via QuickPay.
Internal Produce Pay Notes: Static customer statements created and updated once per week. Principal, commissions, due date, by advance. Pre-Season and QuickPay.
Data pulled from Netsuite via API (or Snowflake)
Also allows Grower to see (and send?) cash control/AR letters. (Click on Buyer Communications below)
Quick Access:
View Customer Statements
How QuickPay Works: The Complete Flow
Instant Working Capital
QuickPay delivers instant working capital to growers by purchasing their fresh produce invoices at a discount and collecting directly from buyers. Programs launch rapidly—typically within 3-5 days—following streamlined underwriting focused on buyer creditworthiness and seller KYC compliance.
01
Invoice Submission
Grower submits fresh produce invoice for immediate liquidity, providing all required documentation and buyer information for rapid processing.
02
Rapid Underwriting
Light underwriting focused on buyer credit quality and seller KYC completed within 3-5 days to ensure fast program activation.
03
Immediate Advance
Funds advanced to grower at agreed discount rate, providing instant working capital to support ongoing operations and growth.
04
Direct Collection
Produce Pay collects payment directly from buyer into controlled account, ensuring secure transaction flow and risk management.
05
Rebate Return
Any remaining balance after collection is returned to the grower as a rebate, completing the transaction cycle efficiently.
Two Advance Modalities: Flexible Options for Every Shipment
QP at Acceptance
Funds are advanced when the buyer confirms acceptance of the product and shipment. This streamlined option provides immediate liquidity upon delivery confirmation.
  • Single advance upon buyer acceptance
  • Credit limits based solely on buyer credit quality
  • Ideal for domestic and short-transit shipments
  • Faster processing with fewer documentation requirements
QP at Departure & Acceptance
Designed specifically for marine transit scenarios, this two-stage advancement provides critical cash flow at both shipment and delivery.
  • First advance upon verified shipment against documents
  • Second advance when buyer confirms acceptance
  • Requires previous seller-buyer relationship
  • Credit limits based on both seller and buyer credit quality
Required Documentation: Ensuring Transaction Security
Deal terms typically range from 30 to 90 days, providing flexibility to match the natural payment cycles of fresh produce transactions.
Core Documents (All Transactions)
  • Purchase Order or Marketing Agreement
  • Commercial Invoice
  • Buyer confirmation of order veracity
Departure Funding Requirements
  • Seaway Bill (sea) / Airway Bill (air)
  • Shipment Manifest (sea only)
  • Certificate of Origin
  • Proof of Insurance (sea/air)
  • Phytosanitary certifications (if applicable)
Acceptance Funding Requirements
  • Proof of Delivery (BOL, Warehouse Receipt, ERP)
  • Crossing Documents (non-US only)
  • Bill of Sale (not required for QP at Departure)
  • Buyer confirmation: arrival, quality, final price

Important: All documentation must be submitted digitally through the Produce Pay platform for rapid processing and real-time tracking visibility.
Secured Buyer Framework & Cash Controls
1
Approved Buyers
Buyers must be located in approved countries and pass rigorous credit check requirements. This ensures all transactions maintain appropriate risk profiles.
2
Controlled Remittance
All buyer payments remit directly to Produce Pay-controlled accounts, providing complete transaction visibility and security throughout the payment cycle.
3
Legal Protections
AR Letters executed by both parties (mandatory in EU), UCC filings secure our interest, and related-party transactions are prohibited.
QuickPay is not allowed between related entities to ensure true risk arm's-length integrity and maintain the highest standards of financial compliance.
GMV & LTV Underwriting: Fixed-Price vs. Consignment
Fixed-Price Invoices
GMV Calculation: Fixed price minus known deductions confirmed by buyer
QP at Acceptance: LTV up to 96%, recommended cap at 80% for optimal risk management
QP at Departure: Maximum 80% total (30% first advance + 50% after acceptance confirmation)
Consignment Invoices
GMV Calculation: Gross price based on 5-year USDA average minus known deductions
QP at Acceptance: LTV up to 50% reflecting higher market price uncertainty
QP at Departure: 20% first advance + 30% at acceptance (50% total maximum)
All deductions must be confirmed by the buyer through formal agreements or term sheets. This verification process ensures accurate GMV calculations and appropriate risk-adjusted LTV ratios for each transaction type.
Pre-Season Integration & Self-Liquidation Rules
1
Automatic Self-Liquidation
For growers with active Pre-Season advances, each QuickPay transaction automatically self-liquidates the collection rate portion of the PS facility obligation.
2
LTV Caps Applied
When Pre-Season integration is active, LTV is capped at 80% maximum to maintain appropriate risk exposure across combined facilities.
Comprehensive Liquidity Solution for Fresh Produce
QuickPay represents a comprehensive liquidity solution designed specifically for the fresh produce industry, combining rapid funding, flexible structures, and robust risk controls to support grower success throughout the agricultural supply chain.
Rapid Funding
Programs launch within 3-5 days with streamlined underwriting focused on buyer creditworthiness, delivering instant working capital when growers need it most.
Flexible Structures
Two advance modalities accommodate different shipment types, from domestic deliveries to international marine transit, with terms ranging from 30 to 90 days.
Robust Risk Controls
Controlled remittance accounts, approved buyer frameworks, and comprehensive legal protections ensure transaction security and appropriate risk management.
Empowering growers with the financial tools they need to thrive in today's competitive fresh produce marketplace.