Grower & Supplier Payments
Support qualifying working capital needs associated with purchasing and preparing produce for sale.
Fresh Produce
Working Capital Financing for Fresh Produce
Financing for Fast-Moving Agricultural Supply Chains.
Fresh produce businesses operate within short product lifecycles while managing grower payments, processing, packaging, transportation, and customer collections.
We provide working capital financing solutions designed around qualifying produce distribution operations and commercial receivables.
Common Financing Needs
- Grower & Supplier Payments
- Packaging & Distribution
- Buyer Receivables
Industry Overview
Financing That Supports the Produce Cycle
Fresh produce businesses often pay growers, packing facilities, transportation providers, and other suppliers before receiving payment from buyers.
Although products move quickly through the supply chain, customer payment terms can extend beyond the physical delivery cycle, creating additional working capital requirements.
Product quality, temperature control, delivery documentation, and customer adjustments may also influence the value of outstanding receivables.
We evaluate financing opportunities based on the company's commercial sales, operating performance, collection cycle, and supporting transaction documentation.
Common Financing Needs
Supporting Fresh Produce Operations
Packaging & Distribution
Finance operating requirements across packing, storage, transportation, and commercial delivery.
Buyer Receivables
Access capital against eligible commercial invoices while awaiting customer collections.
Relevant Financing Solutions
Financing Options for Produce Businesses
Receivables Financing
Receivables FinancingWorking capital supported by eligible invoices following delivery and customer acceptance.Explore Receivables FinancingCash Flow Loans
Cash Flow LoansFinancing for established businesses with qualifying operating performance and identifiable repayment capacity.Explore Cash Flow Loans
Our Approach
Understanding Perishable Products & Collections
Fresh produce financing requires attention to product condition, delivery records, customer adjustments, and payment arrangements.
Transactions involving qualifying produce may also be affected by rights under the Perishable Agricultural Commodities Act (PACA), making the underlying legal and commercial structure particularly important.
We consider these factors when evaluating appropriate financing arrangements.
Next Step
Keep Your Produce Business Moving.
Explore financing solutions designed around your operating cycle and commercial sales.