Is asset-based lending (abl) a good fit for food & beverage manufacturing?

Yes — asset-based lending (abl) is one of the programs we most commonly place for food & beverage manufacturing shops. Established manufacturers with meaningful receivables, inventory, and/or equipment who want a flexible revolving line.

How fast can a food & beverage manufacturing shop get funded?

It depends on the program. Factoring often funds within days of account setup; equipment and working capital usually run days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.

Do you charge food & beverage manufacturing manufacturers any fees?

No. We are a business consulting service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.

Do I have to give up equity?

No. Every program we place is non-dilutive. You keep 100% ownership of your shop.

Can a co-packer use invoice factoring?

Yes. Co-packers factor invoices to brand-owner customers all the time so they can fund the next production run without waiting on net-45 or net-60 payments. Underwriting focuses on the brand owner's credit, not just yours.

How do I fund a large first order from a national grocer?

Purchase order financing is built for this. It pays your ingredient and packaging suppliers so you can produce and ship, then factoring bridges the invoice until the retailer pays. Most operators pair the two on a first big-box PO.

How is ABL different from factoring?

ABL is a revolving line you draw against; factoring is the outright sale of specific invoices. ABL usually has lower cost of capital but stricter eligibility and monthly reporting requirements.

Beverage bottling line in a US food and beverage manufacturing plant

Asset-Based Lending (ABL) · Food & Beverage Manufacturing

Asset-Based Lending (ABL) for Food & Beverage Manufacturing shops

Borrow against what you already own. We match food & beverage manufacturing manufacturers with the asset-based lending (abl) structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.

Start a Quick App Call (844) 623-1234

Why food & beverage manufacturing shops choose asset-based lending (abl)

You're already juggling ingredient buys, cold storage, co-man commitments, and a retailer who thinks net-60 is generous. The money is real — it's just sitting in someone else's AP queue.

That gap between when you pay for sugar, flour, resin, or a run of glass, and when Kroger, Sysco, US Foods, Whole Foods, or your distributor cuts the check, is the entire game. Our job is to make sure that gap never stops you from taking the next order.

Asset-Based Lending (ABL) is one of the most direct ways to close that gap. Revolving lines secured by receivables, inventory, and equipment.

What food & beverage manufacturing shops get

Line scales with your business
Often more flexible than traditional bank debt
Rates typically lower than factoring for the right profile

How it works

1The lender evaluates the value of your eligible collateral (AR, inventory, equipment).
2A borrowing base formula determines your available line.
3You draw and repay as needed, with monthly reporting.

Cash-flow realities we see in food & beverage manufacturing

Grocery, distributor, and foodservice customers stretching to net-30, net-60, or net-90
Seasonal ingredient buys, cold storage costs, and packaging pre-buys
First-time POs from national grocers that dwarf your current cash position
FSMA, SQF, and audit-driven equipment and facility upgrades
Payroll and utility spikes during peak production windows

Get placed into asset-based lending (abl)

Tell us the basics. We'll confirm the fit and tell you exactly what this program requires before you fill anything long.

✓ No application, origination, or closing fees
✓ No equity given up
✓ US-based food & beverage manufacturing shops only

Quick app for food & beverage manufacturing

Takes about 30 seconds. We'll match you with the right funding partner — no obligation.

Your name

Company

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What are you looking to do?

How much do you need?

How soon?

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Consent & disclosures (required — click to review)

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Other programs that fit food & beverage manufacturing

Invoice Factoring for Food & Beverage Manufacturing

Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.

Explore Invoice Factoring for Food & Beverage Manufacturing

Purchase Order Financing for Food & Beverage Manufacturing

Get the capital to fulfill large customer orders without straining cash flow.

Explore Purchase Order Financing for Food & Beverage Manufacturing

Equipment Financing for Food & Beverage Manufacturing

Finance new or used machinery, CNC, robotics, and production lines.

Explore Equipment Financing for Food & Beverage Manufacturing

Asset-Based Lending (ABL) for other manufacturing niches

Asset-Based Lending (ABL) for Medical Device Manufacturing Asset-Based Lending (ABL) for Metal Fabrication Asset-Based Lending (ABL) for Plastics & Injection Molding Asset-Based Lending (ABL) for Aerospace & Defense Manufacturing

Frequently Asked Questions

Ready to keep production moving?

Start with a quick app or a phone call. We'll tell you exactly what the right program requires—at no charge.

Start the Conversation Call (844) 623-1234

Apply. Fund. Deliver. — No obligation.

AI-assistedDepending on live availability, calls may be answered by Mary, our AI Assistant, who takes a message and books a callback. Or email us instead.