Cahero Freight Cargo Factoring provides structured access to receivables generated by U.S.-based logistics operators, over-the-road carriers, freight brokers, and transportation management companies. This vertical focuses on monetizing completed delivery invoices—typically subject to 30–90 day payment terms—by acquiring them at a discount and structuring them into NAV-based investment products. Each receivable is supported by verified documentation, including bills of lading, delivery confirmation records, and transportation contracts. These assets are legally enforceable and insured against performance risk, providing investors with predictable exposure to one of the most high-volume, short-duration segments of the U.S. receivables market. The strategy allows freight operators to maintain cash flow without incurring debt, while delivering fixed-yield returns to investors in a sector that underpins the national supply chain.

Cahero Government Contract Financing focuses exclusively on receivables generated by approved contractors fulfilling federal, state, and municipal procurement agreements. These receivables, often delayed due to administrative cycles, are based on services or goods already delivered and confirmed by public sector entities. The SPV acquires such receivables at a discount—post-delivery, pre-payment—ensuring that contractors receive immediate liquidity while investors benefit from low-risk, legally binding payment obligations. Each receivable is supported by executed contracts, government-issued purchase orders, performance validation, and payout schedules. With default rates near zero and public sector funding backing every invoice, this vertical represents one of the most credit-secure strategies in the Cahero Factoring platform—offering consistent yield, policy-driven transparency, and regulatory clarity.

Cahero Healthcare & Medical Receivables Factoring targets receivables owed to clinics, diagnostic labs, and specialty providers by insurers, Medicare, and Medicaid. In the U.S. healthcare system, providers often experience payment delays ranging from 45 to 180 days after treatment is rendered and claims are submitted. This SPV offers liquidity by purchasing these reimbursement claims at a discount, backed by electronic health records, medical billing software, and payer confirmation. All receivables are HIPAA-compliant, legally enforceable, and fully auditable. Investors gain access to high-frequency receivables from one of the most recession-resistant sectors in the economy, supported by third-party administrators and billing intermediaries. The strategy delivers fixed-income potential from insured, medically validated payment streams—bridging patient care and capital flow with precision.

Cahero Supplier & Vendor Financing focuses on receivables generated by business-to-business suppliers, manufacturers, and distributors who deliver goods or services to enterprise clients under standard payment terms. These vendors are often required to wait 30 to 90 days for payment after delivering to customers across industrial, retail, and institutional sectors. The SPV intervenes by purchasing these receivables—backed by purchase orders, shipping confirmations, and client acceptance documentation—thereby providing suppliers with immediate working capital. Investors participate in receivables that are diversified across industries, legally documented, and insured, ensuring a steady flow of income based on real commercial exchange. This strategy delivers yield by monetizing the friction in payment cycles between enterprise buyers and their upstream vendors, underwritten with commercial transparency.

Cahero Merchant Cash Advance (MCA) Financing provides structured capital to small and mid-sized businesses based on their future credit card and point-of-sale (POS) sales. These businesses, including restaurants, salons, boutiques, and professional service firms, often lack access to traditional bank lending and instead opt for revenue-linked advances. The SPV acquires rights to a portion of the merchant’s receivables and collects repayment daily or weekly based on sales activity. Each MCA agreement is digitally monitored, repayment-enforced, and contractually secured. Investors access fixed-income opportunities through verified transaction flow, supported by processor dashboards and settlement analytics. The MCA vertical delivers short-term, high-frequency receivables exposure, offering a scalable yield profile across a highly fragmented, yet consistent segment of the retail and service economy.

Cahero E-Commerce Revenue-Based Financing acquires receivables generated by online sellers, direct-to-consumer brands, and multi-channel e-commerce operators. These receivables arise from fulfilled orders placed via platforms like Shopify, Amazon, Etsy, and proprietary web stores, and are backed by order confirmations, payment processor data, and shipping validation. The SPV funds a portion of future expected revenue at a discount, structured as short-term, revenue-based repayment obligations. Each receivable is validated in real-time through API connections to merchant platforms, ensuring investors are exposed only to settled, shipped, and verifiable transaction data. This vertical offers access to a fast-moving, data-rich receivables class with dynamic volume and seasonality, converting digital sales activity into NAV-audited yield backed by modern commerce infrastructure.

Cahero Industrial Equipment & Auto Parts Purchase Order (PO) Financing targets receivables generated by the production, shipment, and sale of industrial machinery, components, and automotive parts. Vendors in this space often fulfill large POs under 30–120 day terms, requiring significant capital outlay prior to payment. This SPV acquires receivables based on fulfilled POs—supported by shipping logs, commercial contracts, and delivery records—allowing vendors to unlock working capital while enabling investors to access long-dated, secured receivables. These transactions are typically higher value, lower frequency, and carry detailed contractual documentation, offering institutional investors access to precision-verified capital tied to the production layer of the U.S. industrial economy.

Cahero Subscription Revenue Financing focuses on recurring receivables from software-as-a-service (SaaS) companies, digital content platforms, and consumer membership programs. These receivables are based on long-term user agreements and monthly or annual billing cycles—creating a predictable, contract-driven revenue stream. The SPV purchases a forward-looking tranche of these receivables at a discount, backed by payment history, retention rates, and billing data. All assets are digitally monitored, churn-adjusted, and contractually enforceable. Investors access NAV-based participation in recurring revenue without direct exposure to platform risk, benefiting from the increasing scale and customer lifetime value inherent in subscription-based models.

Cahero Legal Settlement & Litigation Finance acquires receivables tied to post-settlement payouts, structured legal fee collections, and court-ordered disbursements. These receivables are generated after a case has reached a final judgment or settlement and are supported by legal documentation, client agreements, and payment schedules. The SPV only purchases receivables that are legally finalized, reducing uncertainty and focusing on payment timing rather than outcome risk. All receivables are insured against default and structured under attorney-client trust protocols or court escrow. This vertical provides exposure to one of the few receivables classes insulated from economic cycles, offering institutional yield from the monetization of resolved legal claims.

Cahero Agriculture & Food Supply Chain Financing monetizes receivables across the U.S. food production and distribution system, including farms, grain traders, processors, cold storage operators, and last-mile distributors. This SPV acquires receivables tied to fulfilled contracts for the delivery of agricultural goods—backed by shipping manifests, weigh station documentation, and signed delivery receipts. These receivables are often seasonal, volume-based, and payment-delayed, making them ideal for factoring. All transactions are supported by enforceable commercial agreements and diversified across crop types, geographies, and buyer classes. Investors benefit from fixed-yield participation in the capital lifecycle of a non-discretionary sector—structured to convert physical delivery into stable, certified cash flow.