Tailored supply chain finance
How eCapital helped a U.S.exporter strengthen cash flow and support suppliers.
Access to reliable, affordable working capital is critical for companies navigating today’s volatile global supply chains. When a major U.S.-based commodities exporter needed to strengthen cash flow and support its supplier base, a unique partnership was formed.
Together, the Export-Import Bank of the United States (EXIM), Huntington Bancshares Incorporated, and eCapital launched a supply chain finance (SCF) program to help keep production running, employees working, and shipments moving—for both the exporter and its suppliers.
THE CHALLENGE
The exporter was seeking ways to improve its working capital position while ensuring its network of various suppliers were paid promptly. In recent years, traditional bank-led SCF programs have become more difficult to access—particularly for commodity businesses.
This left the exporter’s facing longer payment cycles and limited flexibility, which strained supplier relationships and created downstream risk across the supply chain. Without consistent access to capital, both the exporter and its suppliers risked serious disruption.
eCapital, a leader in end-to-end working capital and payments solutions, combines innovative technology, on-demand financing, and a deep expertise in credit and risk. With options for accelerated or extended payment terms, visibility into AR/AP, and flexible credit decisioning, eCapital makes commercial finance more accessible.
THE SOLUTION
To address these challenges, EXIM, eCapital, and Huntington structured a $200 million SCF facility backed by EXIM’s Supply Chain Finance Guarantee Program. By providing up to a 95% advance rate on receivables, the guarantee reduced risk for lenders and made financing more accessible and affordable for the exporter.
Through the facility, eCapital and Huntington purchased the exporter’s receivables and provided early payments to a pool of suppliers. This ensured suppliers had access to faster, reliable liquidity, while allowing the exporter to preserve cash flow and extend its payment terms without disrupting production.
THE STORY
Since implementation, the SCF program has helped the exporter stabilize its supply chain, strengthen supplier relationships, and preserve operational continuity. The program has also supported more than 700 jobs across 17 states.
As conditions improved, the program was renewed with a 90% advance rate, demonstrating greater resilience for both the exporter and the broader industry.
With support from EXIM, eCapital, and Huntington, this initiative has become a scalable model for how public-private partnerships can enhance supply chain resilience, protect jobs, and support U.S. exports during times of uncertainty.
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