VendorPay Direct™ – the capital gap between suppliers and their customers. We bridged it.

VendorPay Direct™ is not a loan product. It is a capital orchestration tool designed to eliminate the payment timing gap between suppliers and their SMB customers, at zero cost to vendors. CCD built it. No other lender offers it in this form.

$10K–$10M
Funding range available

24 hours
Capital deployment speed

45 days
Additional payment float for customers

Three ways to deploy. One outcome: zero receivables friction.

01

Dedicated Line of Credit

Issue a dedicated credit facility to the SMB customer. They draw against it to pay outstanding supplier balances.

02

Direct Working Capital

Provide working capital directly to the customer, structured around their revenue cycle and repayment capacity.

03

Credit Card to ACH

Convert any credit card to ACH payment at zero fee to the vendor, even where card payments are not traditionally accepted. Use an existing card that you may rewards on or learn more about our cash back reward programs that can help offset the cost, break even, or potentially come out slightly ahead.

While every lender competes for the same SMB client, we approached their supplier.

Most capital providers fight for the same door, the business owner searching for a loan. VendorPay Direct™ approaches the SMB through their supplier: the company that already has the relationship, the leverage, and the daily touchpoint. The supplier removes receivables friction. The customer gets liquidity. CCD structures both sides.

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VendorPay Direct™ Frequently Asked Questions

Factoring purchases your receivables at a discount, you get cash but lose the full invoice value. VendorPay Direct™ eliminates the receivable entirely by giving the customer the liquidity to pay in full, on time. The vendor receives 100% of the invoice. No discount, no loss.

Zero. VendorPay Direct™ is structured at no cost to the vendor. CCD’s program is designed to benefit the supplier relationship, not charge for it.

Any industry where suppliers extend trade credit or payment terms to SMB customers. VendorPay Direct™ has been deployed across pharmacy distribution, construction, medical supply, agriculture, manufacturing, food service, and wholesale distribution. If your business has suppliers and those suppliers carry receivables, the program applies. CCD structures the solution around your specific industry’s payment cycle, not a generic template.

Your capital strategy, handled. At no cost to you.

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