--- title: "Inventory Financing for CPG Brands | Up to $20M | Wayflyer" description: "Inventory financing up to $20M for CPG brands selling into retail channels. A smarter alternative to PO Financing and Invoice Factoring." canonical: "https://wayflyer.com/wholesale-financing" locale: "en" --- # Inventory financing for CPG brands selling into retail Access capital before a PO comes in, so you can bridge the entire cashflow gap from production through to retailer payment. [Apply now](https://app.wayflyer.com/authn/signup) ## Inventory financing to expand your retail footprint. ### A smarter alternative to PO financing and invoice factoring Our funding isn't tied to specific orders - we send cash directly to your bank. We can replace your invoice financing provider or work alongside them to provide complete coverage. ### A long-term wholesale financing partner Get ongoing access to inventory financing, so you can scale production and accept larger retailer orders without straining cashflow. We've financed 7,000+ consumer brands and deployed over $7b - your team gets dedicated support and industry insights alongside the capital. ### Higher funding limits than ABLs Our underwriting process focuses on your performance, not your asset base, giving us the confidence to offer higher limits than traditional options can. Access more capital at very competitive rates. ### Transparent, flexible terms. Repay the inventory financing amount, plus a fixed fee, in set weekly instalments. No hidden payments beyond that. Choose what works best for your cashflow. ### Limited risk. We don't secure against your inventory like an asset-based lender (ABL) would. We don't require a personal guarantee like a bank would. We don't take an ownership stake like equity financing does. ### A hassle-free process. Simply create a Wayflyer account, connect your systems and receive a financing offer in as little as 24 hours. ## Trusted by 7,000+ businesses of all sizes [Customer stories](/our-customers) ## Apply in minutes. Access capital in hours. ### Speak with our Wholesale team. Our financing experts will guide you through the process and help structure a funding solution for your specific needs. ### Securely share your financials for review. Our underwriting team will assess your historical financials and forward-looking projections, then send you tailored offers to choose from. ### Select an offer. Once approved, we can send the funds to your bank in as little as 24 hours. [Apply now](https://app.wayflyer.com/authn/signup) ## Are you eligible for financing? - Has 12+ months of trading - Is based in the US, UK or Australia - Makes more than $10,000 a month - Operates in a supported industry ## Frequently asked questions **What is inventory financing?** Inventory financing is a form of business funding that gives brands the capital to produce or purchase the inventory they need to fulfil wholesale and retail orders. It bridges the cashflow gap between production costs and retailer payment, typically 30 to 120 days, so brands can accept larger orders than they could fund from [working capital](/blog/what-is-working-capital) alone. Unlike purchase order financing, it isn't tied to a single confirmed order; unlike invoice factoring, it's advanced before shipment rather than after. **How is Wayflyer different from purchase order (PO) financing?** Traditional purchase order financing ties each loan to a single confirmed PO and typically requires the lender to take ownership of that PO, pay your supplier directly, and collect from the retailer. Wayflyer's wholesale financing works differently: funds go straight to your bank account, based on your overall trading performance, and you choose how to deploy them - production, stock, or multiple retailer orders at once. **Who qualifies for Wayflyer wholesale financing?** To qualify, your brand needs at least $250,000 in annual sales (or £250,000 / €250,000 equivalent), at least 6 months of trading history, distribution through at least one brick-and-mortar retailer, and operations in a supported country: US or UK. **How much wholesale financing can I get from Wayflyer?** Wayflyer provides inventory financing up to $20M (or equivalent in £ and €) per brand. The limit offered is based on your trading performance rather than your asset base, which typically allows Wayflyer to extend higher limits than asset-based lenders (ABLs), PO financiers, or traditional banks would for brands at the same stage. Wayflyer has deployed over $7b in financing to 7,000+ businesses worldwide. **How is Wayflyer different from invoice factoring?** Invoice factoring advances you a percentage of an unpaid invoice *after* you've already shipped, at a discount, and the factor typically takes over collection from the retailer. Wayflyer's inventory financing funds you *before* you ship - so you can produce the order in the first place - at a fixed fee rather than a discount on your receivables, and without inserting a third party between you and the retailer. **What are the best inventory financing companies for wholesale brands?** The inventory financing landscape includes traditional asset-based lenders, invoice-factoring providers, purchase order financiers, and newer performance-based lenders like Wayflyer. The right provider depends on whether you need ongoing access to capital or a one-off facility, how much flexibility you want in how you deploy the funds, and whether you accept a lien on your inventory. Wayflyer is designed for CPG brands shipping into wholesale and retail that want ongoing, flexible inventory financing underwritten on trading performance rather than asset base. **How quickly can I get funded?** Most businesses receive funds within hours of accepting their offer. **How is interest calculated?** We charge a single, fixed fee agreed upfront. There are no hidden costs or complicated fee structures. You'll know exactly what you owe from day one. ## Speak to our CPG financing experts [Talk to sales](/contact-us)