Food & Beverage Manufacturing · Sub-niche
Co-Packing & Private Label Financing
Co-packers and private-label producers front all the ingredient, packaging, and labor cost and get paid weeks after the brand owner does. Factoring against brand-owner receivables and PO financing on new SKUs bridge the gap without diluting your equity.
You're running someone else's brand on your line. You buy the ingredients, buy the labels, buy the corrugate, pay the operators, ship the pallets — then wait 30, 45, or 60 days for the brand owner to pay while you're already running the next SKU for the next customer.
Underwriters get this model. Your invoices are to brand owners, and if those brand owners are legitimate businesses, the receivables factor cleanly. PO financing handles the ingredient and packaging spend on a new production run so you're not funding growth out of your operating account.
We work with lenders who understand contract-manufacturing terms, tolling arrangements, warehouse-and-distribution add-ons, and the reality that one brand owner can be 30–50% of your volume for a while.
Want a written answer specific to your co-packing & private label operation? Email a specialist — no pressure, no obligation, no fees to you.
What underwriters will actually ask for
Co-Packing & Private Label files have a specific documentation pattern. Bringing these up front usually cuts weeks off the timeline.
Executed co-packing / MSA agreements with each brand owner
Underwriters need to confirm you're an independent contractor, not a subsidiary, and that the brand owner is the obligated payor on invoices — not a passthrough.
Aged AR by brand owner
Concentration matters. A single brand owner over ~50% of receivables usually caps advance rate rather than kills the deal.
Ingredient and packaging supplier list (for PO financing)
For PO financing on a new SKU, expect to submit the supplier POs, quantities, delivery windows, and payment terms. Suppliers must accept payment by wire or ACH from the PO finance company.
Trailing 12-month financials and production reports
Interim P&L, balance sheet, and a production summary by brand owner. Tolling vs full turnkey production is broken out because margins are structurally different.
Facility certifications (SQF, BRC, organic, kosher, etc.)
Not required for approval, but relevant certifications and audit history reduce diligence friction and open doors to lenders with grocery/retail experience.
Backup manufacturing agreement or business continuity plan
For larger lines, lenders sometimes ask what happens if a brand owner walks. A short continuity note about capacity redeployment is usually enough.
Programs co-packing & private label operators actually use
Ranked by how often they're the right fit for this sub-niche. Your specific match depends on buyers, margins, and the working capital problem you're solving.
Program
Invoice Factoring
Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
See how it works →
Program
Purchase Order Financing
Get the capital to fulfill large customer orders without straining cash flow.
See how it works →
Program
Equipment Financing
Finance new or used machinery, CNC, robotics, and production lines.
See how it works →
Important disclosures for co-packing & private label
Sub-niche pages are informational. Manufactor Finance is a US-based business consulting and referral service — not a bank, lender, direct funder, private equity firm, or investor. We are not counsel to your contract-manufacturing agreements, tolling arrangements, or brand-owner contracts. Advance rates, program eligibility, and terms are set solely by the funding partner and vary by brand-owner credit, concentration, and state of operation.
Not all funding programs are available in every state, to every manufacturer, or at every stage of business. Program availability, eligibility, advance rates, pricing, and terms are set solely by the funding partner and vary by state, industry, revenue, time-in-business, ownership, credit profile, use of funds, and buyer concentration. Anything shown on this site is illustrative and is not a commitment to lend, an offer of credit, or a rate quote.
A location page on this site indicates that Manufactor Finance is taking consulting clients in that market — it does not represent a physical office, storefront, or licensed presence in that city or state. All services are delivered remotely by our US-based specialists. Manufactor Finance is a US-based business consulting and referral service, not a bank, lender, direct funder, private equity firm, or investor.
Co-Packing & Private Label financing by city
Local pages for every metro we serve, with the buyer mix and payment terms that shape the file.
Co-Packing & Private Label financing — FAQs
Other food & beverage manufacturing sub-niches
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Funding for craft brewers, distillers, non-alcoholic beverage brands, contract bottlers, and canning-line operators.
Specialty, Organic & Better-For-You
Funding for organic, non-GMO, gluten-free, plant-based, allergen-free, and specialty diet brands scaling into natural grocery and mass.
Dairy & Cheese Processing
Working capital, equipment loans, and PO financing for dairy processors, cheese makers, and fluid-milk bottlers selling to grocery and foodservice.
Bakery & Snack Production
Equipment loans, factoring, and working capital for commercial bakeries and snack manufacturers supplying grocery, club, and foodservice channels.
Ready to keep production moving?
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