How fast can a private-label & consumer brands business get funded?

Most applicants are approved within 2–3 business days. Once the account is live, invoices are funded 5–10 business days for first deal.

Typically 1.5%–6% per 30 days, with up to 100% of supplier costs advanced. Your rate depends on monthly volume, your customers' credit and how quickly they pay — not on your industry alone.

Can new private-label & consumer brands companies qualify?

Yes. You resell finished goods (no heavy in-house manufacturing) Time in business matters far less than the strength of the customers you invoice, so startups and newly formed entities are regularly approved.

What do private label companies use the funding for?

Most commonly manufacturer deposits, packaging, retail launches. It is working capital, so there is no restriction on how you deploy it.

Do I have to finance every invoice?

No. You can finance a single invoice, a single customer, or your whole ledger. Full-ledger programs carry a lower rate in exchange for a term and a monthly minimum; both options are quoted side by side.

Industry program

Private-Label & Consumer Brands Financing

PO financing pays your manufacturer for confirmed retail orders; AR financing advances on retailer invoices after delivery.

Manufacturer deposits
Packaging
Retail launches
Seasonal inventory

Advance: Up to 100% of supplier costs
Customer terms: 30–90 days from retailers
Funding: 5–10 business days for first deal

The cash-flow challenge in private label

Contract manufacturers want deposits before production while big-box and grocery retailers pay months later.

Customers in this sector typically pay in 30–90 days from retailers. That gap is not a sign of a badly run business — it is simply how the sector trades, and it is why so many private label companies hit a ceiling that has nothing to do with demand.

How purchase order financing solves it

PO financing pays your manufacturer for confirmed retail orders; AR financing advances on retailer invoices after delivery.

PO financing is built for product businesses — distributors, wholesalers, importers and government resellers — that win orders larger than their working capital. It lets you say yes to growth instead of turning down the biggest contract of the year.

Because approval rests on your customers' creditworthiness rather than your own balance sheet, newer private label companies and those rebuilding credit qualify on the same basis as established firms. Facilities run from $25,000 to $25 million and grow as your invoicing grows.

What private label clients use funding for

Manufacturer deposits
Packaging
Retail launches
Seasonal inventory

Who qualifies

You resell finished goods (no heavy in-house manufacturing)
Confirmed, non-cancellable PO from a creditworthy customer
Gross margin of roughly 15% or more on the deal
Reliable supplier with a delivery track record

What Private Label businesses need to apply

Applying takes about ten minutes. Most Private Label companies already have everything on this list, and nothing here affects your personal credit score.

The confirmed, non-cancellable purchase order from your customer
Your supplier's quote or pro-forma invoice
A cost breakdown showing your gross margin on the deal
Articles of incorporation and your EIN
Supplier references or a delivery track record

Why it pays to move now

The cost of waiting is rarely just interest. It is the contract you could not staff, the order you could not fill and the supplier discount you could not take. Purchase Order Financing converts work you have already delivered into cash you can deploy this week.

At a glance

Recommended	Purchase Order Financing
Typical customer terms	30–90 days from retailers
Advance	Up to 100% of supplier costs
Cost	1.5%–6% per 30 days
Funding	5–10 business days for first deal
Coverage	All 50 states

Talk to a funding advisor

Find out what you qualify for

A short conversation is enough to size a facility. No obligation, and no impact on your credit.

(929) 658-8087

Mon–Fri 8am–7pm ET

Worked example

What private label financing actually costs

A $200,000 customer order with $150,000 in supplier cost, financed at 3% per 30 days and completed in 60 days.

Illustrative figures. Your advance rate and fee are confirmed in a written term sheet before you sign anything.

Customer order	$200,000
Supplier cost funded	$150,000
Your gross margin	$50,000
Financing cost over 60 days	$9,000
Net margin to you	$41,000

You keep $41,000 on an order you could not otherwise have accepted.

Private Label scenario

Consumer brand launches into a national retailer

Challenge: A contract manufacturer required a deposit while the retailer's terms ran net-90.
Solution: PO financing paid the manufacturer, then AR financing bridged the retailer's terms.
Outcome: Launched on shelf date and reordered the following quarter.

Illustrative example based on a typical client situation, not a specific named client.

See the program

Compare your options

PO Financing or AR Financing for private label?

Both turn future customer payments into cash today. They differ in when they apply, what they fund and what they cost.

	PO Financing	AR Financing
Advance	Up to 100% of supplier costs	80%–95% of invoice value
Typical cost	1.5%–6% per 30 days	0.75%–3% per 30 days
Funding speed	5–10 business days for first deal	24–48 hours after approval
Best for	Distributors, wholesalers, importers and resellers with confirmed POs	B2B companies with creditworthy customers on 30–90 day terms

Read the full comparison

How it works

From application to funding in three steps

Apply in 10 minutes

Share basic company info and a recent AR aging or purchase order.

Approval in 24–72 hours

We verify your customers and send a clear term sheet — every fee disclosed.

Funded by wire or ACH

Receive your advance, typically within 24 hours of submitting invoices.

Free calculator

PO Financing Profit Calculator

See whether a purchase order is still profitable after PO financing costs.

Open the calculator

Private Label guide

Private Label Factoring Rates: What You'll Pay

Typical factoring and AR financing rates for private-label & consumer brands companies, the factors that move your price and a worked cost example.

Read the guide

Private-Label & Consumer Brands financing FAQs

Most private-label & consumer brands businesses get the best fit from purchase order financing, because customers typically pay in 30–90 days from retailers. Purchase Order Financing advances up to 100% of supplier costs, so the money arrives when the work is done rather than when the customer gets round to paying.

Funding programs

How private label companies get funded

Purchase Order Financing is the usual fit for this sector, but all four programs are open to private label businesses.

Accounts Receivable Financing

Turn unpaid invoices into working capital in as little as 24 hours.

Advance: 80%–95% of invoice value
Cost: 0.75%–3% per 30 days
Funding: 24–48 hours after approval

Explore AR Financing

Purchase Order Financing

Fund your suppliers and fulfill large orders without draining cash.

Advance: Up to 100% of supplier costs
Cost: 1.5%–6% per 30 days
Funding: 5–10 business days for first deal

Explore PO Financing

Invoice Factoring

Sell your invoices, get paid today, and let us handle collections.

Advance: Up to 95% upfront
Cost: 1%–3.5% per 30 days
Funding: Same day to 24 hours

Explore Invoice Factoring

Freight Factoring

Get paid for every delivered load today — not in 30 to 60 days.

Advance: Up to 97% of the load
Cost: 1.5%–4% flat per load
Funding: Same day after delivery

Explore Freight Factoring

Other sectors we fund with PO financing

Apparel & Textiles Wholesale & Distribution Import & Export E-commerce & Wholesale Sellers Government Resellers & GSA Vendors

Ready to unlock your working capital?

Talk to a funding advisor today. Decisions in as little as 24 hours.