Working capital for
consumer goods brands
Consumer goods move fast, but your cash doesn't. You pay manufacturers upfront, hold inventory across every SKU, then wait 60–90 days for retailers to pay. Drip Capital frees the cash trapped in that cycle, so you can keep the shelves full.
Where your cash gets trapped in consumer goods
Paying Manufacturers Upfront
You pay overseas manufacturers and vendors before a single unit sells, often before it even ships. Cash goes out at the front of the cycle, long before any comes back.
Inventory Tied Up Across SKUs
Keeping every SKU and channel in stock ties up cash in goods that haven't sold yet, and a launch or holiday push only deepens the hole.
Slow Retailer Payments
Then big-box retailers and grocery chains take 60–90 days to pay. You've covered production and shipping and still wait months to get your cash back.
Capital solutions for consumer brands
Vendor Financing
Take the big retailer order without draining your cash. Drip pays your manufacturers now; you repay on terms up to 90 days, so you can produce at volume and keep cash on hand.
Learn more →Line of Credit
Flexible cash for launches and seasonal builds. Draw what you need ahead of a product launch, holiday push, or trade promotion, then repay as stock sells. A revolving line that flexes with your demand.
Learn more →Receivables Financing
Get paid now instead of in 90 days. Turn your net-60/90 retailer invoices into cash within 24 hours, and put it straight back into your next production run.
Learn more →"Landing a major retailer order was a dream come true but it meant producing 10x our normal volume. Drip Capital's Vendor Financing allowed us to pay our overseas manufacturers while we waited for the retailer's net-90 payment. Without Drip, we would have had to turn down the order."
Never miss a retail opportunity
Have the capital ready to fulfill large retailer orders without straining your cash reserves.