The shelf pays last. You don't have to.
Brands, co-manufacturers, ingredient and packaging suppliers. Your buyers are paid by retailers and distributors — on the retailer's terms, net of deductions, after the promo has run — so their payments to you follow that calendar, not yours. We underwrite that calendar, and you're paid within 2 business days either way.
Your buyers get up to NET-90, with limits sized to the promo calendar and the retailer's remittance cycle instead of a static line. Qualifying suppliers now in:
Retailer & distributor terms
Your buyer's cash comes from retailers and distributors on terms the retailer sets — 30 to 90 days on paper, plus however long their remittance cycle takes to run. Their payments to you follow that schedule. Our terms are shaped to it instead of fighting it.
Deductions & chargebacks
Promotional allowances, slotting, shortages, damages, off-invoice discounts: a consumer goods invoice rarely settles at face value, and the reconciliation takes weeks. Your buyer's receivable is real, just net of a number that isn't final yet. We read the deduction pattern into their cash position instead of reading it as a shortfall.
Promotional calendars & seasonal resets
Category resets, holiday programs and promo windows are locked months out. Your buyer produces and ships against them in surges, and the cash from the shelf arrives a cycle later. Buyer limits flex with the promo calendar, so credit is there for the build — not after the sell-in.
Launches & line reviews
A new SKU, a new banner or a new region means product on the shelf before a unit has sold through. Winning the line review is a cash problem before it's a revenue story. We model the launch into the buyer's position rather than penalizing the growth that caused it.
Co-manufacturing & input lead times
Co-packers want payment at the run. Ingredient and packaging suppliers run on their own terms. The retailer pays last. Your buyer's cash goes out at production and comes back at the shelf's convenience — that gap is exactly what trade credit is for.
The question doesn't change. The contract does.
Every buyer we underwrite is paid by someone else first. In solar that's a developer on a milestone schedule. In consumer goods it's a retailer on its own terms, net of deductions. We read that contract into the buyer's cash position the same way, so a buyer whose cash lands on the retailer's calendar is a priced decision, not a decline — and you're paid within 2 business days regardless of when the shelf settles.
Brands & manufacturers
Food, beverage, personal care, household, pet, supplements — selling to distributors, regional chains, independents and e-commerce resellers.
Co-manufacturers & private-label producers
Production runs for brands whose cash comes back from the shelf.
Ingredient & packaging suppliers
Ingredients, flexible packaging, corrugate, bottles and closures — selling to brands and co-packers.
Selling durables too? One program covers your whole buyer book — see durable goods →
Sell on terms. Bank on Day 1.
Five minutes to see if your volume qualifies. No account, no commitment.
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