As Raistone navigates workforce reductions and portfolio concentration challenges, production timelines continue—and working capital requirements remain constant. Zenith Group Advisors delivers uninterrupted trade payable financing backed by robust capitalization, diversified risk controls, and fully staffed teams across the U.S. and Canada.
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Delivering insurance-backed financing that unlocks liquidity and fuels growth
1000+
More than 1,000 successful transactions completed.
$500M+
Over $500 million in supplier invoices accelerated and invested.
$50M-$1.5B
Typical client revenue ranging from $50 million to $1.5 billion.
Recent workforce reductions at Raistone have raised concerns about concentration risk in mid-market supply chain finance (SCF) portfolios. When an SCF provider reduces or halts operations, manufacturers typically face:
Early-payment features may pause pending exposure reviews.
Buyer/supplier portals and payment flows often experience downtime during transition.
Contracts require novation to new funders; KYC and lien verifications must be refreshed.
Replacement funding may bring revised spreads, advance rates, or updated covenants.
Lack of early-payment options increases cash-flow pressure, risking fulfillment delays.
Teams manage communications and payment adjustments to maintain continuity.
Proven Value Beyond the Competition
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.
Zenith Group Advisors has implemented expedited underwriting protocols for mid-market manufacturers affected by recent provider disruptions, enabling qualified clients to secure funding commitments within 14 days of initial contact.
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1-7
Term sheet delivery following receipt of complete diligence package (KYC, AR aging, buyer concentration data).
Days
8 - 10
Documentation execution and novation coordination with templated legal framework.
Days
11-14
Full facility activation with instant liquidity bridge to eliminate funding gaps.
Days
15 onwards
Named relationship manager and backup contact with documented response protocols
Approved invoice draws continue without pause throughout the transition period. Zenith's parallel processing framework ensures zero operational disruption to production schedules or supplier payments.
Approved invoice draws continue without pause throughout the transition period. Zenith's parallel processing framework ensures zero operational disruption to production schedules or supplier payments.
| CRITERIA |  Zenith Group |  LSQ |  PrimeRevenue | |
|---|---|---|---|---|
| Primary model | Direct lender with substantial committed capital and undrawn capacity | SCF platform + funding capacity | SCF platform; multi-funder network | |
| Mid-market focus (not SMB) | Yes; minimum $2M, typical $5M–$20M | Varies by program | Varies by program | |
| Funding continuity through disruption | Stability-focused, uninterrupted support approach | Platform-dependent; funder availability varies | Network-dependent; funder availability varies | |
| Client concentration policy | ≤4% single-client exposure (portfolio-level) | Not publicly standardized (varies by program) | Not publicly standardized (varies by program) | |
| Geography | U.S. + Canada | U.S.-centric; additional coverage as available | Global network; applicability varies by program | |
| Underwriting transparency | Plain-English covenants; clear fee disclosure | Varies by program structure | Varies by program structure | |
| Servicing continuity | Named team + backup; no layoffs or disruptions noted | Varies by program | Varies by program |
Zenith operates as a direct lender with committed capital and institutional risk controls. LSQ and PrimeRevenue operate primarily as platforms coordinating multiple funders—which can introduce variability in pricing, approval speed, and servicing consistency depending on which funder backs your specific program. For mid-market manufacturers seeking stability and predictability during provider transitions, Zenith's direct model eliminates multi-party coordination risk.
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Year-over-year origination
growth (2025)
Active client
relationships
Single-client concentration
across entire portfolio
New committed
facilities
No client exceeds 4% of total exposure:
Institutional-grade concentration limits protect against single-point failures.
Continuous portfolio monitoring:
Disciplined covenant management with clear escalation protocols .
Insurance-backed financing:
Insurance-backed supply chain finance where Zenith pays suppliers directly and buyers repay on extended terms.
Robust capitalization with institutional funding partners:
Substantial undrawn capacity maintained for client growth .
Capacity to scale qualified lines without re-papering:
Approved clients can expand commitments as volumes increase.
Fully staffed underwriting and servicing teams:
No layoffs, no turnover disruption.
U.S. and Canada geographic coverage:
With deep manufacturing sector expertise .
Phase1
Clients submit KYC documentation, AR/AP files, and buyer concentration analysis. Standard approval timeline: 2–3 weeks from complete submission.
Phase2
Plain-English term sheets detail covenant structures, pricing parameters, and advance rates with full transparency—no hidden material adverse change triggers.
Phase3
Zenith deploys templated novation and assignment documents to expedite legal execution. Buyer and supplier notifications are coordinated to minimize relationship friction.
Accelerated implementations achieve funding within 7–10 days of initial contact (post-approval). Standard implementations accommodate internal schedules across 2–4 weeks.
Phase 5
Weekly operational reviews during the initial 60-day period ensure seamless adoption and immediate resolution of implementation issues.
From diligence to full liquidity activation — Zenith delivers a seamless onboarding experience.
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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.
If you're experiencing provider disruption—or evaluating your current structure—Zenith's team is prepared to assist.
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