# Working Capital Financing for Apparel & Textiles

**Capital for Production, Inventory & Seasonal Demand.**

Apparel and textile companies often commit capital to materials, suppliers, and seasonal collections months before receiving payment from retailers or wholesale customers.

We provide financing solutions designed to support qualifying purchase orders, supplier payments, and commercial receivables.

## Financing That Supports the Fashion & Textile Cycle

Apparel businesses manage production calendars, overseas supplier arrangements, shipping schedules, and seasonal inventory requirements.

Manufacturing deposits and freight expenses may be due long before finished products reach customers, while retailer payment terms can extend the time between shipment and collection.

Changes in fashion trends, seasonal demand, markdowns, and product returns may also influence available working capital.

We structure financing solutions around qualifying confirmed orders, supplier obligations, and eligible receivables, helping businesses manage the different stages of production and distribution.

## Supporting Apparel & Textile Businesses

- **Seasonal Collections.** Finance eligible production and procurement costs associated with confirmed seasonal orders.
- **Overseas Supplier Payments.** Support qualifying manufacturing deposits and supplier obligations.
- **Wholesale & Retailer Receivables.** Access working capital against eligible invoices while awaiting payment from commercial customers.

## Financing Options for Apparel & Textiles

- [Purchase Order Financing](https://www.gobacapital.com/solutions/purchase-order-financing/): Finance eligible supplier and production costs associated with confirmed customer orders.
- [Receivables Financing](https://www.gobacapital.com/solutions/receivables-financing/): Access capital against qualifying invoices following delivery and acceptance.
- [Supply Chain Financing](https://www.gobacapital.com/solutions/supply-chain-financing/): Support eligible supplier payment programs aligned with production and procurement requirements.

## Structuring Around Seasonal Operations

We consider order terms, production schedules, delivery requirements, and the marketability of inventory when developing financing arrangements.

Returns, promotional allowances, and seasonal markdown exposure may influence collections and collateral values, making transaction structure and timing particularly important for apparel businesses.

## Support Your Next Collection or Customer Order.

Explore financing solutions for apparel and textile production and distribution.