Working Capital · Food & Beverage Manufacturing
Working Capital for Food & Beverage Manufacturing shops
Cover the gap between orders and cash. We match food & beverage manufacturing manufacturers with the working capital structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.
Why food & beverage manufacturing shops choose working capital
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.
Working Capital is one of the most direct ways to close that gap. Short-term capital to bridge payroll, materials, and growth spikes.
What food & beverage manufacturing shops get
- Fast decisions with minimal paperwork
- Uses vary: payroll, materials, repairs, marketing, buyouts
- No equity given up
How it works
- 1Submit a quick app so we can identify the right program.
- 2Provide bank statements and basic financials.
- 3Receive offers with terms and pricing—choose what fits.
- 4Funds land in your operating account.
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 referred for working capital
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
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 ManufacturingPurchase 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 ManufacturingEquipment Financing for Food & Beverage Manufacturing
Finance new or used machinery, CNC, robotics, and production lines.
Explore Equipment Financing for Food & Beverage ManufacturingFrequently Asked Questions
Yes — working capital is one of the programs we most commonly place for food & beverage manufacturing shops. Manufacturers who need fast, flexible short-term capital to smooth cash flow or fund a specific opportunity. Full mechanics: the Working Capital program page. Sector overview: Food & Beverage Manufacturing.
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.
No. We are an independent business financing referral service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
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.
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.
Amounts depend on revenue, time in business, and cash flow. Many manufacturers qualify for lines that scale with their monthly deposits.
- Facilities typically range from $25K to $5M.
- Approval leans on monthly revenue and bank activity more than collateral.
- Lines often scale with your average monthly deposits.
- Most programs want at least 6 months in business.
- If you invoice other businesses on terms, compare against invoice factoring.
- Score your readiness to see what size line your revenue supports.
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.
Apply. Fund. Deliver. No obligation.
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