Beauty &
Cosmetics

The beauty and cosmetics industry — a US market valued at approximately $93 billion with a projected 4-5% annual growth rate — is particularly challenging for independent and mid-size brands: extended production cycles, long retailer payment terms, seasonal demand spikes driven by social media trends, and the capital-intensive nature of launching new SKUs all create persistent cash flow pressure. Express Trade Capital provides invoice factoring and receivables financing specifically tailored to beauty and cosmetics companies, converting outstanding retailer invoices into immediate working capital without requiring collateral or diluting equity.

ETC's beauty financing model addresses the sector's core financial pain points: rapid access to funds when retail buyers delay payment; credit protection against customer default or insolvency; elimination of in-house collections management; and the flexibility to scale financing lines as order volumes grow. ETC is a member of the Cosmetic Executive Women (CEW) network, bringing industry-specific credibility and connections to its financial partnership. Whether a brand sells through department stores, specialty retail, or e-commerce, ETC provides the capital infrastructure that allows beauty entrepreneurs to focus on product and brand — not cash flow management.