Bridge the gap between production costs and retail payments with flexible financing designed for the pace and seasonality of the apparel industry.
Whether you’re producing seasonal collections, fulfilling large retail orders, or scaling your DTC business, we understand the challenges apparel brands face—long lead times, up-front production costs, shifting demand, and delayed payments from retailers.
That’s where we come in. Our financing solutions are built specifically for apparel companies, providing fast, flexible access to working capital when you need it most. From covering fabric and manufacturing costs to bridging cash flow between production and sell-through, we help you stay focused on designing, delivering, and growing—without financial slowdowns.
Trusted by brands nationwide
Designed for the fast-paced, demand-driven nature of the fashion industry, our financing solutions give apparel brands the flexibility they need to stay ahead. Whether you’re managing seasonal production, paying suppliers upfront, or waiting on retailer payments, we provide funding that aligns with your cash flow cycle—so you can keep your collections moving, meet demand, and scale without interruptions.
Need help figuring out which solutions are best for your apparel company?
Our experts are here to make funding simple, clear and stress free.
With nearly two decades of experience, we offer more than just capital—we deliver speed, flexibility, and solutions tailored to the fast-paced, seasonal nature of the apparel industry. From covering production and sourcing costs to bridging long retail payment cycles, eCapital gives you the financial tools and support to keep your collections on schedule, meet demand, and grow with confidence.
Our financing is designed for apparel brands—tailored to match your seasonal production cycles, inventory demands, and retail payment terms.
Bridge the gap between upfront manufacturing costs and delayed receivables from retailers, so you can keep collections moving.
Access working capital to purchase materials, scale up production, or launch new lines without waiting on cash flow to catch up.
Whether you’re expanding your retail footprint, growing DTC channels, or increasing order volumes, our financing scales with your success.
Our solutions come with fewer covenants than traditional loans, giving you the freedom to manage your brand your way.
Work with a team that understands the rhythm of fashion—from design to delivery—and offers financing strategies built for your business.
We understand the fast pace, seasonality, and complexity of the apparel industry—because we’ve been supporting product-driven brands for nearly two decades.
Our philosophy is simple: put apparel businesses first with financing that’s flexible, reliable, and built around the unique demands of design, production, and delivery.
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Apparel financing provides working capital to fashion brands, manufacturers, and wholesalers to support production, inventory purchases, supplier payments, and order fulfillment. It helps bridge the gap between design, manufacturing, and payment from retailers or customers.
We work with a wide range of apparel businesses—including DTC brands, wholesale suppliers, private label manufacturers, and emerging designers. Eligibility is typically based on revenue, customer orders, and your supply chain cycle.
Apparel businesses often face long production lead times, upfront supplier costs, and delayed payments from retailers. Financing helps maintain consistent cash flow, fund growth, and avoid disruptions during peak seasons or collection launches.
You can use financing to:
Purchase fabric and raw materials
Pay manufacturers or factories
Cover design and production costs
Fulfill large wholesale or retailer orders
Manage inventory ahead of seasonal launches
Fund marketing and go-to-market campaigns
Yes. Financing smooths out cash flow during slower months and ensures you have working capital on hand when preparing for seasonal demand spikes.
No. Most apparel financing solutions are non-dilutive and structured around your sales orders or receivables, so you retain full ownership.
Yes. Even early-stage brands may qualify if they have confirmed purchase orders, strong eCommerce sales, or consistent retail partnerships.
Financing supports—not disrupts—your relationships by helping you pay suppliers on time and fulfill retailer orders efficiently.
Yes. Our team will work closely with you to evaluate your production timelines, sales channels, and growth plans to recommend the right financing structure.
