How fast can a food & beverage distribution business get funded?

Most applicants are approved within 2–3 business days. Once the account is live, invoices are funded same day to 24 hours.

Typically 1%–3.5% per 30 days, with up to 95% upfront advanced. Your rate depends on monthly volume, your customers' credit and how quickly they pay — not on your industry alone.

Can new food & beverage distribution companies qualify?

Yes. B2B or B2G invoices for completed work 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 food & bev companies use the funding for?

Most commonly produce & protein purchases, cold-chain logistics, grocery chain orders. 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

Food & Beverage Distribution Financing

Food factoring advances on grocery and foodservice invoices; PO financing can fund large seasonal buys.

Produce & protein purchases
Cold-chain logistics
Grocery chain orders
Seasonal inventory

Advance: Up to 95% upfront
Customer terms: 21–45 days from grocers and foodservice
Funding: Same day to 24 hours

The cash-flow challenge in food & bev

Perishable goods move fast but grocers and foodservice buyers still pay on terms, creating constant cash pressure.

Customers in this sector typically pay in 21–45 days from grocers and foodservice. That gap is not a sign of a badly run business — it is simply how the sector trades, and it is why so many food & bev companies hit a ceiling that has nothing to do with demand.

How invoice factoring solves it

Food factoring advances on grocery and foodservice invoices; PO financing can fund large seasonal buys.

Factoring is ideal when slow-paying customers squeeze payroll, fuel, materials or growth. There's no fixed loan payment — your cost is tied directly to the invoices you choose to factor.

Because approval rests on your customers' creditworthiness rather than your own balance sheet, newer food & bev 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 food & bev clients use funding for

Produce & protein purchases
Cold-chain logistics
Grocery chain orders
Seasonal inventory

Who qualifies

B2B or B2G invoices for completed work
Customers with acceptable payment history
Business registered in the United States
Invoices free of other liens or able to be subordinated

What Food & Bev businesses need to apply

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

An accounts receivable aging report
The invoices you want to factor, with proof of delivery or completion
A customer list with contact details for verification
Articles of incorporation and your EIN
A voided business check and photo ID for each owner

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. Invoice Factoring converts work you have already delivered into cash you can deploy this week.

At a glance

Recommended	Invoice Factoring
Typical customer terms	21–45 days from grocers and foodservice
Advance	Up to 95% upfront
Cost	1%–3.5% per 30 days
Funding	Same day to 24 hours
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 food & bev financing actually costs

A $50,000 invoice factored at a 90% advance and 2% per 30 days, paid by the customer on day 30.

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

Invoice amount	$50,000
Advance rate	90%
Paid to you upfront	$45,000
Factoring fee at 2%	$1,000
Reserve released on payment	$4,000

You receive $49,000 of the $50,000 invoice, at a total cost of $1,000.

Food & Bev scenario

Food distributor funds a seasonal grocery buy

Challenge: Grocery chains paid in 30 to 45 days while protein and produce had to be bought upfront.
Solution: Food factoring on grocery invoices, with PO financing for the seasonal buy.
Outcome: Filled the seasonal program and protected margin on cold-chain logistics.

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

See the program

Compare your options

Invoice Factoring or AR Financing for food & bev?

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

	Invoice Factoring	AR Financing
Advance	Up to 95% upfront	80%–95% of invoice value
Typical cost	1%–3.5% per 30 days	0.75%–3% per 30 days
Funding speed	Same day to 24 hours	24–48 hours after approval
Best for	Trucking, staffing, manufacturing, construction and service firms	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

Factoring Cost Calculator

Estimate your upfront cash, total fee and effective cost when you factor an invoice.

Open the calculator

Food & Bev guide

Food & Bev Cash Flow: Stop Waiting on Slow Payers

Why food & beverage distribution businesses run short on cash and the financing options that fix it — factoring, AR lines and PO funding explained.

Read the guide

Food & Beverage Distribution financing FAQs

Most food & beverage distribution businesses get the best fit from invoice factoring, because customers typically pay in 21–45 days from grocers and foodservice. Invoice Factoring advances up to 95% upfront, so the money arrives when the work is done rather than when the customer gets round to paying.

Funding programs

How food & bev companies get funded

Invoice Factoring is the usual fit for this sector, but all four programs are open to food & bev 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 invoice factoring

Trucking & Freight Construction & Contractors Oil & Gas Services Security Guard Companies Janitorial & Facility Services Telecom & Utility Contractors

Ready to unlock your working capital?

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