Martinez Products is a fresh-produce supplier that sells on terms to wholesale buyers and runs its operations on Silo, the agriculture-vertical ERP. It has been a Silo customer since 2023, and an early adopter of Silo's funding tools.
The business is built on physical shipment: produce ships to buyers, invoices are stamped at shipment and signed on pickup, and orders are marked fulfilled inside the Silo platform. Like most suppliers in fresh produce, Martinez sells to buyers who expect generous terms, which is exactly where the working-capital pressure builds.
Martinez sells to wholesale buyers on a variety of financing terms, and recently landed a key account that needed net-60 terms fast. On net-60, product ships and costs are incurred immediately, but cash can sit locked in receivables for up to two months before the buyer pays. For a perishable-goods supplier that has to keep buying and shipping to grow, waiting 60 days on every invoice is a hard constraint on how fast the business can move.
The supplier needed a durable way to turn net-60 invoices into working capital, ideally without adding friction for its buyers or changing the way orders already flowed through Silo.
There was a growth angle too: Martinez wanted to extend credit lines and offer more capital without straining cash, and pricing mattered, the cost of funding had to make sense on produce margins.
The introduction came through Silo, the ERP Martinez already runs on. As Silo relaunched its funding solution to be powered by Resolve, it needed a proven merchant to lead with, and Martinez, a long-tenured customer was the natural first candidate. Silo's team referred Martinez into Resolve and stayed close throughout onboarding.
It is a clean example of embedded finance at work: a category specific software partner spotting a working capital need inside its own customer base and routing it to Resolve, so the merchant gets funding without leaving the platform it already uses every day.
Resolve stood up a net terms funding program built around how Martinez already sells:
Martinez is live and funded, the first merchant to draw on Silo Capital powered by Resolve. The before and after tells the story:
| Before | After | |
|---|---|---|
| Funding source | Legacy Silo Capital / Instantpay | Funding powered by Resolve |
| Speed to cash | Up to 60 days waiting on invoices | Funded in 1-2 days |
| Available credit | Capped by cash on hand | $100K line, opportunity to grow with active repayment history |
| Buyer experience | Standard terms | Funding is invisible to buyer |
For a produce supplier, the value is not a flashier checkout, it is liquidity and reach: cash freed from receivables, a funding cost that fits produce margins, and the ability to say yes to more buyers, all without disrupting how orders already move. With the first invoices funded and repayments now coming in, Martinez is already looking to raise their credit line and add another buyer.
Martinez Products shows how embedded finance turns a working capital constraint into a growth lever. Silo recognized the fit inside its own book, Resolve built funding around the merchant's real workflow, and Martinez traded a 60-day cash cycle for capital it can put back to work, becoming the first win of the Silo and Resolve partnership.
As Resolve scales across Silo's merchant base, Martinez is positioned to grow its line alongside its buyer roster, the proof point that opens the channel for the merchants who follow.
What is Silo Capital powered by Resolve?
It's the funding program Silo, the agriculture-vertical ERP, relaunched on Resolve's infrastructure. Silo identifies working capital needs inside its own merchant base and routes them to Resolve, so merchants get funded without leaving the platform they already run on.
How quickly did Martinez get paid on its invoices?
In 1 to 2 days, against invoices that previously took up to 60 days to collect.
What were the terms of the funding?
A $100K credit line at an 80% advance rate on net-terms invoices.
Does anything change for the buyer?
No. Silo calls it "invisible factoring": buyers keep paying the way they always have, on the same terms, with no new portal or process on their side.
What triggers an advance?
Proof of shipment. Martinez already produces a signed bill of lading on every order, and that document is what each advance is tied to. Status flows through the Silo platform the team already uses.
Can the credit line grow over time?
Yes. The line starts at $100K with room to grow as repayment history builds. Martinez is already looking to raise its line and add another buyer.
Who is this a fit for?
B2B suppliers that ship physical goods and sell on net terms, where cash is locked in receivables while costs are incurred at shipment. Martinez is fresh produce, but the constraint is the same in any terms-based supply business.