From sourcing to delivery, our flexible finance supports your full cycle – helping you manage long payment terms, seasonality, and sector pressures while keeping growth on track.
Whether you’re scaling a fast-growing brand or managing established supply chains, we understand the pressures that come with the food and drink trade. Long payment terms, delayed deductions, marketing contributions, or rebates can all slow your cash flow – even when sales are strong.
That’s where we come in. Our funding is designed for how this sector really works. We help you bridge the gap between dispatch and payment, so you can keep operations running smoothly, protect margins, and focus on growth without waiting for customers to pay. With flexible facilities that grow with your turnover and clear, straightforward terms, you’ll have the working capital to stay agile in a fast-moving market.
In food and beverage, demand shifts with seasons, weather, and promotions. Your access to cash should move just as fast. Our funding solutions for food and beverage companies help you stay ahead of production cycles, pay suppliers on time, and respond to new orders without slowing the line.
Need help figuring out which solutions are best for your food and beverage company?
Our experts are here to make funding simple, clear and stress free.
With over two decades supporting UK companies, we deliver speed, flexibility, and funding built for growth. From long customer payment terms to supplier costs, seasonal peaks, and promotional activity, we help keep your operations running, orders fulfilled, and cash flow steady – whatever your route to market.
Funding designed for how the food and drink industry really works – aligned to your cash flow, production runs, and sales channels, from grocery and wholesale to hospitality and foodservice.
Bridge the time between ingredient or packaging buys, logistics costs, and delayed customer payments so that production and delivery stay on track without cash-flow pressure.
Support new product development, packaging refreshes, listings, or entry into new markets. Our flexible funding helps you take ideas from concept to commercial success without waiting for invoices to clear or raising extra equity.
Secure the working capital to pay suppliers, scale output, or meet sudden demand, from new contracts and export orders to major promotions, without missing a delivery window.
Manage the realities of food and beverage – extended payment terms, rebates, marketing contributions, and supply chain delays. Our facilities help protect your margins and keep momentum, even when cash is tied up.
Work with a team that understands the food and drink sector inside out. We listen, adapt, and structure finance around how your business really runs, giving you the confidence and liquidity to grow on your terms.
A food & beverage producer needs extra liquidity to build ingredients and packaging ahead of key trading peaks.
Cash is tied up on 45-90-day retailer terms while spending lands early for bulk buys, chilled logistics, and promotional slots. The gap risks missed deliveries and lost shelf space.
eCapital sets up a flexible invoice finance facility that releases cash against approved retailer invoices, with a temporary limit uplift for peak season. This funds stock, production, and transport so the business met demand spikes without disruption and protected listings.
A speciality food producer serving restaurants and wholesalers wants to launch a new ready-meal range to diversify revenue and meet demand for convenient, high-quality options.
The expansion requires investment in new equipment, updated food-safety protocols, refreshed packaging, and early distribution. Long hospitality payment terms strain cash flow, and banks wouldn’t extend credit without additional hard assets.
Invoice finance unlocks cash tied up in outstanding foodservice and wholesale invoices. The facility grows with new sales and provides extra availability to fund equipment upgrades, compliance costs, and initial marketing for the new range.
A UK-based supplier of cold-pressed juices, sells mainly to supermarkets and cafes. Their customers pay on 60-day terms, but the company has to pay fruit suppliers weekly and staff monthly.
Rapid sales growth create cash flow pressure and a struggle to buy enough ingredients to meet new orders from a national retail chain.
The business secures an invoice finance facility from eCapital that releases cash from their customers’ unpaid invoices much sooner. This eases cash flow pressure, ensuring suppliers and staff are paid on time, and gives them the confidence to take on new orders from the national retail chain.
A organic fruit manufacturer supplying major grocers faces sudden cash-flow pressure when its bank reduced facilities.
The squeeze lands just as seasonal orders ramp up. Ingredients and packaging are already on order, chilled lines had tight turnaround times, and retailers requiring strict delivery windows. The business needs immediate working capital to keep production moving.
eCapital provides a confidential invoice finance facility, releasing cash against approved retailer invoices as soon as they are raised, with a short-term limit uplift to cover peak demand. By unlocking funds tied up in receivables, the producer pays suppliers on time, maintains output, and fulfills listings without disruption.
We understand the fast pace and constant pressure of running a product-based business-because we’ve been helping businesses thrive for over 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 funding strategies aligned with your production cycles and payment terms, we’re here to help you stay stocked, stay agile, and scale with confidence.
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It’s flexible working capital that unlocks cash from your invoices, helping you cover the cost of ingredients, packaging, production, and logistics without waiting for customers to pay.
Instead of cash being tied up in receivables, you can use it to keep operations flowing and take on new opportunities.
Food and drink businesses often face long customer payment terms — 30, 60, even 90 days — while suppliers, staff, and logistics providers need paying upfront. That timing gap can stretch working capital just when production or distribution needs to run at full speed.
Seasonal peaks, promotions, and new product launches make the gap even wider. You need to buy stock, ramp up shifts, and ship goods long before invoices clear. And with added pressures like retailer deductions, marketing contributions, and short shelf-life products, cash can drain fast.
Flexible funding bridges these gaps by aligning cash flow with how your business really operates, giving you the liquidity to meet demand, maintain supplier relationships, and grow sustainably.
Manufacturers, brand owners, co-packers, importers, distributors, and wholesalers who sell on trade credit to retailers, hospitality operators, foodservice buyers, or national distributors.
If you raise invoices and wait for payment, you can usually benefit from invoice finance.
It grows with your order volume. During busy periods like Easter, summer, or Christmas, funding expands so you can buy ingredients, build inventory, and secure logistics without draining cash flow.
When demand eases, facilities scale back, keeping funding aligned with your business cycle.
Costs vary depending on your invoice volume, customer creditworthiness, and the structure of your facility. Typically, fees include a small percentage of each invoice value plus a discount rate on the funds advanced.
While there’s a cost, the return is clear, steady cash flow to meet demand, pay suppliers, and grow without disruption. For most food and drink businesses, that reliability far outweighs the fees.
eCapital offers transparent pricing with no hidden charges, ensuring facilities remain cost-effective and sustainable.
Yes. Funding can cover trial runs, packaging and labelling changes, retailer listing fees, certifications, and launch marketing, helping New Product Development move from sample to shelf (or menu) without cash flow strain.
A traditional bank loan is fixed; invoice finance flexes. As your sales and receivables grow, so does your funding line — often with faster approval and fewer restrictions.
It’s secured against invoices (and sometimes stock), not property, making it ideal for dynamic, fast-moving supply chains.
eCapital has deep experience across the food and drink industry — from manufacturers and wholesalers to importers and brand owners.
We understand the pressures of long payment terms, complex retailer deductions, seasonality, and the tight margins that come with fast-moving goods.
With operations in the UK, US, and Canada, we bring global insight with local expertise — helping food and beverage businesses stay liquid, agile, and ready to grow
Key benefits include:
For Food and Beverage businesses looking to strengthen cash flow, fulfil retailer demand, and grow with confidence, eCapital offers more than finance-it delivers a partnership built for long-term success.
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