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

37.4% activation rate

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

ICP personas (CPG) · illustrative

Marcus Webb

VP Treasury, Apex Consumer Brands

Supplier enrollment drive, DPO optimization reporting

Supplier Enrollment

David Osei

VP Finance, Summit Foods Group

AOP working capital assumptions

Cash Flow Impact

Sarah Okonkwo

CFO, Crest Naturals

SCF concentration risk review

Program Overview