Is purchase order financing a good fit for toys, games & juvenile products?

Yes — purchase order financing is one of the programs we most commonly place for toys, games & juvenile products shops. Manufacturers who have a confirmed purchase order from a creditworthy buyer but need capital to buy materials or pay suppliers.

How fast can a toys, games & juvenile products 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 toys, games & juvenile products 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 toy company get financing before CPSC testing is complete?

Yes. PO financing typically funds production and testing costs together since both are required before goods can legally ship. Lenders that work this sector expect CPSIA and ASTM F963 lab fees as a normal line item in the funding request.

How do toy and juvenile product companies handle retailer chargebacks in financing?

Factoring and ABL facilities net anticipated chargebacks — late shipment fees, markdown allowances, co-op ad deductions — against the advance rate or reserve. Lenders familiar with mass retail toy programs build these deductions into underwriting rather than treating them as surprises.

Is PO financing more expensive than a bank line?

It typically costs more than a traditional bank line, but it's often the difference between accepting a large order or turning it down. The profit on the order usually more than covers the cost.

Toy production line packaging boxed products for holiday retail shipment

Purchase Order Financing · Toys, Games & Juvenile Products

Purchase Order Financing for Toys, Games & Juvenile Products shops

Say yes to the big PO. We match toys, games & juvenile products manufacturers with the purchase order financing 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 toys, games & juvenile products shops choose purchase order financing

You're placing tooling orders in February for a toy that has to be on a Target or Walmart shelf by September, testing it to CPSIA and ASTM F963 standards along the way, and hoping the buyer's forecast holds. By the time the PO turns into cash, half the year is gone and the next year's line is already in development.

Then the retailer takes their cut on the back end — chargebacks for late ship windows, damaged freight, markdown allowances, co-op advertising fees — and what hits your bank account is meaningfully less than the invoice said. Meanwhile your factory in Vietnam, Mexico, or right here in the US wants deposits before they'll cut a single mold.

Purchase Order Financing is one of the most direct ways to close that gap. Get the capital to fulfill large customer orders without straining cash flow.

What toys, games & juvenile products shops get

Take on orders that would otherwise be out of reach
Doesn't require giving up equity
Often pairs with invoice factoring for continuous cash flow

How it works

1You receive a purchase order from a creditworthy customer.
2The PO financing partner pays your suppliers (directly or via letter of credit) so you can produce the order.
3You produce and deliver the goods.
4The customer pays on the invoice; the financing is repaid and you keep the profit.

Cash-flow realities we see in toys, games & juvenile products

Extreme seasonality with 60–80% of annual revenue shipping in a three- to four-month Q4 window
CPSIA, ASTM F963, and CPSC third-party lab testing costs due before a single unit sells
Big-box and mass retailer chargebacks for late shipping windows, packaging non-compliance, and markdown allowances
Tooling and mold deposits owed to overseas or domestic factories 6–9 months before sell-through
Retailer terms of net-60 to net-90 that land well after the holiday selling season closes

Get placed into purchase order financing

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 toys, games & juvenile products shops only

Quick app for toys, games & juvenile products

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

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Other programs that fit toys, games & juvenile products

Invoice Factoring for Toys, Games & Juvenile Products

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

Explore Invoice Factoring for Toys, Games & Juvenile Products

Asset-Based Lending (ABL) for Toys, Games & Juvenile Products

Revolving lines secured by receivables, inventory, and equipment.

Explore Asset-Based Lending (ABL) for Toys, Games & Juvenile Products

Purchase Order Financing for other manufacturing niches

Purchase Order Financing for Food & Beverage Manufacturing Purchase Order Financing for Medical Device Manufacturing Purchase Order Financing for Metal Fabrication Purchase Order Financing for Plastics & Injection Molding

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.

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