Cash flow gaps can kill a growing CPG brand. These five working capital partners help you bridge the gap between production and getting paid.
The CPG Cash Flow Crunch
Consumer packaged goods brands face a unique financial squeeze. You produce inventory upfront, ship to retailers, and then wait 30, 60, or even 90 days to get paid. That gap can stall growth, especially when a big order lands. Traditional bank loans often move too slowly or require collateral you don't have. That's why specialized working capital providers have stepped in. They understand net terms, trade spend, and the retail cycle. Whether you need invoice factoring, purchase order financing, or bridge funding, the right partner can turn your receivables into ready cash. The five companies below are worth knowing if you're scaling a CPG brand in the US.
How We Evaluated These Partners
We looked at five key factors. First, service scope: does the provider offer factoring, PO financing, or both? Second, speed: how fast can you get funded? Third, pricing clarity: are fees transparent upfront? Fourth, industry fit: do they understand CPG and net terms? Fifth, accessibility: can small brands qualify, or is there a high revenue threshold? Each company below stood out in different ways. Spring impressed with its 24-hour funding and up to $10M for brands. REV Capital showed deep CPG expertise and flexible contracts. Integra Funding Solutions offered a human touch with dedicated experts. Cirrus Capital brought a wide range of asset-based lending options. Lunr Capital focused on inventory funding for retail-ready brands. Use these factors to find your best match.
Here's a quick comparison of the five providers, from fastest funding to most specialized.
| Provider | Best For |
|---|---|
| REV Capital | CPG brands needing flexible invoice factoring |
| Spring | Working Capital for CPG Brands, Funded in 24 Hours | Brands needing fast, large-scale funding |
| Integra Funding Solutions | CPG brands wanting a dedicated expert |
| Cirrus Capital | Brands needing diverse financing options |
| Lunr Capital | Emerging brands with large retail orders |
The 5 Working Capital Partners in Detail
#1 REV Capital
A screenshot of the REV Capital website.
REV Capital specializes in invoice factoring for consumer packaged goods companies. They buy your outstanding invoices and give you cash upfront, so you don't wait 30 to 120 days for retailers to pay. Their approval process is quick, and they don't lock you into long-term contracts. You also get 24/7 access to online account management tools. For CPG brands dealing with high logistics and inventory costs, REV Capital offers a tailored solution that keeps cash flowing. They understand trade spend and seasonal fluctuations, making them a strong fit for growing brands.
#2 Spring | Working Capital for CPG Brands, Funded in 24 Hours
A screenshot of the Spring website.
Spring provides working capital for CPG brands and small businesses on net terms. They offer invoice factoring, purchase order financing, demand plan financing, and bridge funding. You can get up to $10 million for brands and up to $500,000 for small businesses, with capital in as little as 24 hours. The application takes minutes: answer a few questions, connect your accounts, and accept your offer. Spring has funded over $200 million for more than 200 businesses. Their pricing is upfront, and the process is designed to be fast and transparent.
#3 Integra Funding Solutions
A screenshot of the Integra Funding Solutions website.
Integra Funding Solutions offers invoice factoring for consumer packaged goods businesses. They work with food and beverage, personal care, health and wellness, pet supplies, and more. Their team includes dedicated CPG experts who understand the gap between invoicing and retailer payment. You can convert unpaid invoices into immediate cash, helping you maintain production and invest in marketing. Integra emphasizes a human touch, with live support during business hours. They also provide factoring for other industries like staffing and transportation.
#4 Cirrus Capital
A screenshot of the Cirrus Capital website.
Cirrus Capital provides a broad range of financing solutions, including invoice factoring, PO and production finance, inventory financing, and asset-based revolving facilities. They work with high-growth and lower-middle-market companies, often in consumer goods and eCommerce. Their PO financing helps you fund large orders before fulfillment, while factoring bridges the gap after shipment. Cirrus Capital also offers venture debt and equipment financing. If you need a flexible capital partner that can scale with you, they are worth a look.
#5 Lunr Capital
A screenshot of the Lunr Capital website.
Lunr Capital focuses on inventory capital for retail-ready CPG brands. They fund your production upfront by paying manufacturers directly, then get repaid when the retailer pays your invoice. This helps you fulfill large orders without giving up equity or taking on traditional debt. Lunr also educates founders on other options like PO financing and AR factoring. Their approach is tailored to emerging brands breaking into retail. If you have a major order but lack the cash to produce it, Lunr could be your bridge.
How to Choose the Right Working Capital Partner
Start by identifying your biggest cash flow gap. Is it before production, after shipping, or during a seasonal slowdown? If you need cash fast and have outstanding invoices, invoice factoring is your best bet. If you have a large purchase order but no cash to fulfill it, PO financing or inventory funding makes more sense. Next, check the funding speed and limits. Some providers can wire money in 24 hours, while others take longer. Also, look at pricing. Ask about fees, recourse, and hidden charges. Finally, consider industry fit. A provider that understands CPG net terms and trade spend will serve you better than a generalist. Don't be afraid to talk to multiple providers and compare offers.
Automating Your Cash Flow
Once you have a working capital partner, automate your cash flow management. Connect your bank, accounting software, and retailer portals to a dashboard that tracks invoices and payments. Set up alerts for when invoices are due and when funding is available. Use the provider's online tools to manage advances and repayments. Many partners, like Spring, offer read-only account linking to speed up approvals. Automating these tasks reduces manual work and helps you focus on growing your brand. It also ensures you never miss a funding opportunity.
The Bottom Line
The right working capital partner can be the difference between stalling out and scaling up. REV Capital offers flexible factoring with CPG expertise. Spring delivers speed and size, with up to $10M in 24 hours. Integra Funding Solutions provides a personal touch. Cirrus Capital brings a full suite of financing tools. Lunr Capital specializes in inventory funding for retail-ready brands. Evaluate your needs, compare the factors above, and choose the partner that fits your stage and speed. With the right support, you can turn cash flow gaps into growth opportunities.