The food and beverage industry carries some of the most complex receivables dynamics in consumer goods — deductions, slotting fees, free-fills, and promotional allowances can significantly erode AR value, leaving CPG brands in a deficit position if financing isn't structured with these realities in mind.

Express Trade Capital has developed F&B-specific programs that account for this: conservative advance rates keep clients in a positive lending position while still providing the cash flow needed for growth, with PO financing covering co-packer production runs and raw ingredient purchases, invoice factoring converting distributor and grocery chain receivables into immediate working capital, and private label PO financing ensuring brands never have to turn down a lucrative contract due to lack of capital. As a member of the Specialty Food Association and the Plant Based Foods Association — and requiring product recall insurance for high-volume clients — ETC brings genuine industry-specific expertise to every F&B relationship, covering the full operational cycle from production through payment.