
Cookie Manufacturer Lowers Costs with Early Pay Discounts
A leading cookie manufacturer with $250 million in revenue, distributing to major retailers like Costco and Whole Foods, leverages innovative supply chain finance to reduce costs and boost liquidity.
Deal Structure & Key Details
A supplier credit transaction providing $10 million of 100% unsecured liquidity, enabling early supplier payments and extended payment terms.
Facility
$10,000,000
Security
Unsecured
Company Revenue
$250,000,000
Supplier fee
0% (Net to Client)
The Challenge
Strained by 60-day payment cycles and high supplier costs
The manufacturer faced a cash flow crunch that limited its ability to negotiate favorable terms. Seasonal demand and high supplier prices necessitated a solution that could accelerate payments and unlock working capital without disrupting existing relationships.
- Restricted Liquidity
- Higher COGS
- Missed Discounts
- Rigid Payment Terms

Solution
Finance as a Service
The manufacturer selects key invoices for early payment via Zenith’s funding portal. Zenith pays suppliers upon shipment, granting extended payment terms without direct supplier interaction. A streamlined "Finance as a Service" approach that provides rapid onboarding and allows the manufacturer to take full advantage of early payment discounts.
- Extended DPO
- Lower COGS
- Unsecured Liquidity
- Asset-Friendly Funding

results
Quantifiable Impact
3 Weeks
Swift Onboarding
Onboarded and delivering results in just 3 weeks.
Improved DPO
Extend payment terms from 39 to 120 days.
Supplier Discounts
The company streamlined supplier payments, unlocking 50% more discounts through early payment.
-10%
Cost of Goods Sold
Lowered cost of good sold by 10% through Zenith early payment model.
The company has materially improved key financial metrics to achieve greater financial stability and flexibility, while giving their suppliers around the world a way to achieve the same outcomes.

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