Quick answer
Private-Label & Consumer Brands companies typically wait 30–90 days from retailers. PO financing pays your manufacturer for confirmed retail orders; AR financing advances on retailer invoices after delivery.
Key takeaways
- Contract manufacturers want deposits before production while big-box and grocery retailers pay months later.
- Common uses: manufacturer deposits, packaging, retail launches, seasonal inventory.
- Funding usually arrives within 24–48 hours after setup.
Why is cash flow so tight in private-label & consumer brands?
Contract manufacturers want deposits before production while big-box and grocery retailers pay months later.
Payment terms of 30–90 days from retailers are the norm, which means profitable companies can still run out of cash while waiting.
The fix: finance your receivables
PO financing pays your manufacturer for confirmed retail orders; AR financing advances on retailer invoices after delivery.
Because approval depends on your customers' credit, growing and younger private label businesses can qualify.
What the funds are used for
Private-Label & Consumer Brands clients most often use funding for manufacturer deposits, packaging, retail launches, seasonal inventory.
Practical cash-flow habits
Invoice the same day work is completed, confirm the customer's approval process upfront, track days-sales-outstanding weekly and keep documentation (POs, delivery proof, timesheets) attached to every invoice — funders pay faster when files are complete.
Get a funding quote in 24 hours
Talk to a National Invoice Factoring specialist at (929) 658-8087 or apply online — no obligation.
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Written and reviewed by the National Invoice Factoring funding team — specialists in receivables and trade finance since 2009.
