nodus:supply-chain-finance

Supply Chain Finance

Meridian Corp. · SCF Program · Mar 2026

ACTIVE

program roi

6.6x

Facility Capacity

$120.0M

2 banks

Current Utilization

$84.2M

70.2% of capacity

Enrolled Suppliers

142 / 380

approved for program

Interest Income YTD

$3.2M

net of facility fee

Banking Facilities

Northern Crown Bank$56.2M / $80.0M

70% utilized · SOFR + 0.55%

Pacific Trust Corp.$28.0M / $40.0M

70% utilized · SOFR + 0.62%

Mutual Benefit — Program Economics

Meridian Benefit

+$7.8M

DPO extended 45→62 days
additional working capital float

Supplier Benefit

4.82%

vs ~10% bank rate
early payment discount

Program status: ACTIVE · Launched Q1 2024 · Avg discount rate 4.82% wt avg · Facility fee 0.35%/yr ($420K)

Program Health Metrics

Discount Rate (wt avg)

4.82%

vs 8-12% supplier cost of capital

Supplier Take Rate

72.3%

this month (612/847 invoices)

Avg Days Early

34.2d

payment advance

Net Program ROI

6.6x

$3.2M income vs $420K fee

DPO Extended

+16.6d

44.8 → 61.4 days avg