From production to shelf to the consumer’s hands, our financing solutions help keep cash flowing, supply chain moving, and growth on track—whether you’re managing retail orders, scaling a direct-to-consumer channel, or both.
In consumer goods, timing is everything—whether you’re securing shelf space, launching a new product, or gearing up for seasonal spike in demand. But between long production lead times, supplier obligations, extended payment terms from wholesale and retail buyers, and upfront costs of developing a robust direct to consumer platform, cash flow can become a serious bottleneck.
That’s where we come in. As one of the largest specialty finance companies in North America, we understand the complexities of consumer goods businesses. Our financing solutions are built to align with your supply chain, sales cycle, and growth goals—helping you stay ahead of orders, manage inventory with confidence, and scale without cash flow holding you back.
Proven expertise, trusted results
Our financing options are tailored to the unique needs of consumer goods companies – supporting you through production cycles, supplier payments, and new orders without slowing down.
Need help figuring out which solutions are best for your consumer goods brand?
Our experts are here to make funding simple, clear and stress free.
With nearly two decades of experience, we offer more than capital—we deliver speed, flexibility, and solutions tailored to the demands of the consumer goods market. From managing long retailer payment terms to scaling for seasonal demand, eCapital gives you the financial tools and trusted support to keep your supply chain moving, your shelves stocked, and your brand growing.
Our financing is designed for consumer goods brands—tailored to match your cash flow, production cycles, and sales channels.
Bridge the time between production costs and retailer payments, so you can operate without delays or cash flow stress.
Access capital to secure raw materials, fulfill large orders, or respond to sudden demand—without missing a beat.
Support strategic expansion, whether its launching new product lines, entering new markets, or investing in innovative technologies to elevate profitability.
Meet production demands, maintain optimal inventory levels, and respond quickly to changing market conditions.
Work with a team that understands the consumer goods space and offers financing strategies built to support your long-term success.
A wildly-popular Fragrance Brand needed additional working capital to navigate seasonality and prepare for production & distribution acceleration.
While operations were running smoothly and yearly revenue numbers were performing above expectations, this Fragrance Brand had its sights on aggressive growth. Having reached its maximum credit capacity within its current facility at a prominent bank, this Fragrance Brand needed a short-term boost in working capital to accelerate growth.
After reviewing their business statements, eCapital first helps them understand their options for turning their long-term assets into easily accessible cash flow solutions. Upon assessing their A/R, inventory, production equipment, real estate & IP (brand equity), eCapital would likely provide this Fragrance Brand with a $20mm facility. The company will then use the funding to sustain operations through peak seasons and accelerate the business for the future.
Read the full use case
A fast-growing plant-based beverage brand secured major shelf space with a national grocery chain and needed capital to ramp up production and fulfill large retail orders.
Despite strong consumer demand and an established retail presence, the brand’s existing line of credit isn’t sufficient to support the rapid increase in production volume and delivery timelines required by national retailers.
eCapital evaluates the company’s accounts receivable and inventory position to structure a $12 million asset-based facility. This solution enables the brand to meet order deadlines, expand its distribution network, and maintain momentum with its retail partners—without giving up equity.
An apparel brand faces global supply chain delays that threatened production schedules and upcoming seasonal launches.
Shipping bottlenecks and rising material costs put cash flow under pressure. The brand needs fast, flexible capital to navigate rising vendor costs and maintain inventory readiness ahead of its peak sales period.
eCapital quickly assesses the brand’s receivables and inventory profile to deliver a $9 million working capital facility. The infusion gives the business room to prepay key suppliers, expedite logistics, and stay on track with its product launch schedule.
A digitally native skincare brand is experiencing a surge in online demand, driven by influencer campaigns and new product drops.
The brand’s success outpaces its internal fulfillment capabilities. With working capital tied up in marketing, packaging, and production, the company needs a liquidity boost to scale operations while maintaining customer satisfaction.
eCapital structures a $7 million A/R and inventory facility to unlock immediate working capital. The financing supports hiring, expanded warehouse space, and allows for larger inventory runs—ensuring the brand can keep up with online demand without slowing down its marketing machine.
We understand the fast pace and constant pressure of running a product-based business—because we’ve been helping brands like yours thrive for nearly two decades. Our philosophy is simple: put product-driven businesses first with financing that’s flexible, reliable, and built to support the full supply chain.
We believe in lasting partnerships, proactive support, and funding solutions that do more than solve short-term gaps—they power long-term growth. With deep experience in the consumer goods space, and capital strategies aligned with your production cycles and payment terms, we’re here to help you stay stocked, stay agile, and scale with confidence.
Liquid Inventory gives Amazon and eCommerce sellers a lower-cost revolving credit line secured by inventory. Draw when you purchase, repay as products sell, and manage cash flow with one financing partner.
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Consumer goods financing provides businesses with working capital to support production, inventory management, distribution, and growth. It helps bridge cash flow gaps caused by long manufacturing lead times, retail payment cycles, and seasonal demand fluctuations.
We work with manufacturers, wholesalers, distributors, and direct-to-consumer (DTC) brands across categories like apparel, beauty, food & beverage, home goods, electronics, and more.
Unlike traditional loans, consumer goods financing is typically asset-based—leveraging inventory, purchase orders, or accounts receivable as collateral. It offers more flexibility and scales with your business.
You can use the funds to:
Purchase raw materials or inventory
Fund production runs
Bridge PO and invoice payment gaps
Cover logistics and warehousing costs
Launch into new retail channels
Support seasonal spikes or rapid growth
Yes. Financing can help smooth cash flow during off-peak months and ensure you’re well-positioned for high-volume sales periods.
No. Most consumer goods financing options are non-dilutive, meaning you retain full ownership and control of your business.
No. Many solutions operate behind the scenes, allowing you to maintain direct relationships with your retailers, distributors, or customers.
Yes. Strategic financing gives you the working capital needed to scale production, manage logistics, and meet compliance requirements for major retailers.
