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Industries
Apparel
Weaving Growth and Innovation with Tailored Finance.
The apparel industry comes with a distinct set of financial pressures — seasonal cash flow gaps, long production lead times, unpredictable retailer payment cycles, and the constant need to fund new collections before the previous season's receivables are in. In this fast-moving environment, strategic financing isn't just helpful — it's a game-changer. Express Trade Capital has served apparel businesses for over 30 years, from emerging designer brands to established wholesale manufacturers, building a deep understanding of retail credit, production requirements, and the seasonal nature of fashion that sets it apart from generalist lenders. ETC's solutions are structured around how the industry actually operates: invoice factoring converts retailer payments into immediate working capital, PO financing covers production and supplier costs when a major order arrives, and seasonal credit lines bridge the gaps between collections — giving apparel clients the financial runway to stay ahead of trends, manage inventory efficiently, and scale operations. All of this is complemented by expert credit advisory, retailer creditworthiness assessment, and chargeback navigation, ensuring clients can grow without unnecessary financial exposure.
Our Approach
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Custom Invoice Factoring
Transform outstanding invoices into immediate capital, ensuring timely payments to suppliers and maintaining production schedules.
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Purchase Order Financing
Secure financing based on purchase orders to fulfill large retail orders, launch new lines, and enter new markets without straining resources or selling equity. Access scalable lines as you grow.
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Seasonal Lines of Credit
Access additional funds to cover seasonal slow periods, aligning business with the fashion calendar.
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Advising on Credit & Risk
Understand and advise on customers' credit, navigate the retail landscape, troubleshoot issues, and structure transactions and supply chains to mitigate risk while ensuring high-quality and on-time delivery.
Benefits of Using ETC to Finance Your Business
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Rapid Funding
Quick turnaround allows clients to take full advantage of fashion trends and market opportunities.
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Flexibility
Financing solutions designed to adapt to the seasonality of your business, providing control over cash flow peaks and valleys.
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Industry Insight
Leverage our expertise in the apparel industry to navigate the financial complexities of fashion, from manufacturing to retail.
With ETC's financial solutions, apparel businesses can worry less about cash flow and focus more on what they do best – designing, producing, and selling fashion. Whether you're an emerging designer brand or an established apparel company, our financial tools are custom tailored to your needs, ensuring your financial framework is always in vogue.
