Supply chain finance for American suppliers.
Turn an unpaid invoice into working capital in days, priced off SOFR and settled on domestic rails.
Why this market
American Tier 2 and Tier 3 suppliers carry 60 to 90 day payment terms against buyers with far stronger credit than their own. Zenia prices the receivable off the buyer's ability to pay rather than the supplier's balance sheet, so a small shop can access financing that reflects who owes the money.
The reference rate
Financing in United States is priced from Secured Overnight Financing Rate, administered by Federal Reserve Bank of New York. This is the published market rate, updated continuously.
- Currency
- USD ($)
- Convention
- Simple
- Effective
- 2026-07-28
Regulation and legal basis
What governs supply chain finance in United States, and what makes an assignment of receivables enforceable there.
- Federal Reserve
- Consumer Financial Protection Bureau (ECOA / Regulation B)
- Office of Foreign Assets Control (OFAC)
- State lending regulators
Receivables assignment is perfected by a UCC-1 financing statement filed in the debtor's state of organisation. Notice of assignment is served on the buyer.
What onboarding requires
Verification and documentation for suppliers in United States.
You will be asked for your EIN (Employer Identification Number).
- EDI 820 — Remittance advice
- EDI 830 — Planning schedule
- EDI 850 — Purchase order
- ASN / Bill of lading
Domestic USD settlement via Stripe Connect and partner bank rails.
Regional programmes
Where Zenia is concentrated within United States.
Michigan Automotive Supply Chain Pilot
A 90-day pilot with Tier 2 and Tier 3 stamping, tooling and plastics suppliers in the Ford, GM and Stellantis supply chain.
Read more →Be first when United States opens.
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