Rosenthal Capital Group (RCG), a private commercial finance firm in the United States, completed two recent transactions totaling over $10 million, including the addition of a purchase order financing deal to complement an existing recourse factoring client and a new joint recourse factoring and purchase order financing deal.
A celebrity-backed lifestyle brand and product development company based in New York was landing larger orders through partnerships with major league and collegiate sports teams to produce personalized apparel featuring team logos. RCG funded a recourse factoring facility in 2025 to support an uptick in the company’s wholesale business. The successful shift to wholesale created the opportunity to introduce RCG’s purchase order financing team to structure a facility that would pay the client’s vendors via letter of credit or purchase guarantees. RCG stepped in to provide a $500,000 purchase order financing line with $1 million in volume committed to complement RCG’s existing $1.25 million recourse factoring facility.
A Texas-based home textiles company had historically been selling direct-to-consumer on Amazon but recently transitioned the business model to wholesale and was experiencing rapid growth. The company imports materials from overseas, purchases fibers and packaging domestically and then manufactures products at its own production facility in Texas. The company has a strong management team with decades of experience manufacturing and selling these products. The business had historically been self-funded, which was effective when it operated as an e-commerce retailer, but when the company shifted to wholesale and the payment cycle was extended, the business required a proper working capital facility. After landing several large orders from big box retailers, the business was looking for production financing alongside a recourse factoring facility. RCG stepped in to provide a $5 million recourse factoring facility and a $4 million purchase ordering facility and volume commitment. The purchase order financing facility will be paying multiple vendors as part of the production process, over a period of approximately 60 days. The overseas materials from China will be funded via cash against documents and RCG will also fund freight and duties on these shipments. Domestic suppliers for the fiber and packaging will be funded as they are shipped and RCG will also fund direct labor costs for the production of specific orders at the company’s facility.
“These two transactions highlight the power of pairing our purchase order financing solutions with factoring facilities, giving clients the flexibility they need to move quickly, capture new sales opportunities and take on larger orders,” Megan Slovak, senior vice president and underwriting manager for RCG’s purchase order financing division, said. “Our ability to fund production in this transaction was a game changer for this client because it allowed the company to pay their numerous vendors quickly so that the production process was uninterrupted and the retailer orders could be filled on time.”
Leigh Lones, head of recourse factoring at RCG, added, “RCG gained an edge against the competition on these transactions by combining purchase order financing and recourse factoring facilities into a customized and integrated offering. Our decades of experience working with retailers and our focus on finding solutions that address clients’ specific needs continue to set us apart.”
