# Working Capital Financing for Consumer Products

**Financing That Supports Your Products From Order to Sale.**

Consumer products companies often invest in manufacturing, inventory, transportation, and fulfillment well before receiving payment from retailers and distributors.

We provide working capital financing solutions designed to support supplier payments, growing order volumes, and the customer collection cycle.

## Capital for Growing Consumer Brands

As consumer brands expand into new retail channels, larger purchase orders and production commitments can create significant working capital requirements.

Manufacturers and suppliers may require payment before production or shipment, while major retailers often operate on extended payment terms. Freight, warehousing, promotional allowances, and customer deductions can further influence the timing of collections.

We structure financing solutions that can support different stages of this cycle, from confirmed purchase orders and supplier payments to eligible accounts receivable generated after delivery.

## Supporting Consumer Product Growth

- **Retail Purchase Orders.** Finance eligible supplier and production costs associated with confirmed orders from commercial customers.
- **Inventory & Fulfillment.** Support procurement, manufacturing, and inventory requirements as sales volumes increase.
- **Extended Retailer Payment Terms.** Access working capital against eligible invoices while awaiting customer collections.

## Financing Options for Consumer Products Companies

- [Purchase Order Financing](https://www.gobacapital.com/solutions/purchase-order-financing/): Support qualifying supplier expenses and production requirements tied to confirmed customer orders.
- [Receivables Financing](https://www.gobacapital.com/solutions/receivables-financing/): Access capital against eligible invoices following delivery and acceptance by retailers and distributors.
- [Supply Chain Financing](https://www.gobacapital.com/solutions/supply-chain-financing/): Structure eligible supplier payment arrangements around procurement and working capital requirements.

## Financing Across the Sales Cycle

Consumer products financing involves more than the value of an invoice or purchase order.

We consider supplier arrangements, production timelines, retailer requirements, product characteristics, and expected collections, including returns and promotional deductions, to develop financing structures aligned with the transaction.

## Support Your Brand's Next Opportunity.

Explore financing solutions for growing consumer products businesses.