Producers pay for ingredients, packaging and equipment, then wait on retailers and distributors to pay. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →A small food or beverage producer starts in a kitchen, a rented commissary or a small plant and tries to move onto shelves. Sauces, tortillas, baked goods, jerky, candy, coffee, craft beer, spirits and cold-pressed drinks follow the same arc: a product that sells at a market stall and then needs to be made in larger batches for a retailer or a distributor.
Texas has no shortage of this kind of business, and the Hill Country in particular is known as the center of the state's wine industry. Whatever the product, the jump from small-batch to wholesale is a cash-intensive step.
Mixers, kettles, ovens, fillers, labelers, tanks and refrigeration cost far more than their home versions. A piece of equipment can double capacity, but it is a single large purchase.
Bottles, cans, jars, boxes, labels and shipping cartons usually have minimum order sizes. A producer pays for a large run before filling any of it.
Larger batches mean larger ingredient bills, often with seasonal pricing and short supplier terms.
Selling to a retailer or distributor is where timing gets hard. The buyer may take the product on delivery and pay thirty, forty-five or sixty days later. The producer has paid for ingredients, packaging, labor and freight long before. A growing producer that lands a large account feels the squeeze most, because the order is larger than any the business has funded before.
For illustration only, with no relation to our terms: a producer lands an order worth $60,000 at wholesale. To fill it, the producer has to buy ingredients, packaging and extra labor worth perhaps $35,000 up front, and will not be paid until the buyer's terms run out. Without working capital, the producer might split the order or decline it.
| Producer | Typical funding need |
|---|---|
| Small-batch food maker moving to retail | First production run, packaging minimums |
| Craft beverage maker | Tanks or fillers, raw materials, packaging |
| Bakery or tortilleria supplying stores | Ovens, delivery vehicles, ingredient buys |
| Seasonal producer | Ingredient buys at harvest, storage |
Product-specific permits and licensing stay your responsibility. The application focuses on the business and how you would use the funds. Sole proprietors can apply. It takes about five minutes and uses a soft credit pull. Funding runs from $25,000 to $5,000,000, and can arrive in as little as 24 hours.
Yes. Paying for ingredients, packaging and labor before the buyer pays is a standard use. Funding can arrive in as little as 24 hours.
Equipment is one of the most common uses. Describe the purchase on the application.
The application covers the business as a whole. State your product and plan when you apply.
Producers working out of commissary space can apply. Sole proprietors are welcome.
Funding ranges from $25,000 to $5,000,000.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
