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Startup CPG Financing Database
Disclaimer: This database is sourced & created by Startup CPG. It is not intended for commercial use or sharing without our permission. Any unauthorized use is not permitted.
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CompanyDescriptionServicesContact/WebsiteFactoringInventoryAccounts ReceivableSBA / Term LoanVenture DebtUnsecured LoanEquipment FinancingPurchase OrderMinimum brand revenue/other criteria
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BAGS*We help businesses use debt as a tool for growth. We give you cash flow visibility to secure better loans, saving you time and money.Click on "Book a call with Bags" at the top to connect directly to the Bags team for a free consultation, and they can match you with the provider that best fits your needsGet in touchConnect directly to the Bags team for a free consultation, and they can match you with the BAGS-verified provider that best fits your needs
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Highbeam*Highbeam is an all-in-one financial platform that helps brands control their cash flow and boost profitability through integrated banking, credit, cash-back cards, and real-time insights to help you make business decisions with confidence.Banking, Revenue-based line of credit, Cash back cards, Cash-flow reportingWebsiteXXXX$500k revenue, 6 months of cash runway required.
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DayZero*DayZero is the financial operating system for CPG and ecommerce brands, built by operators for operators. DayZero offers daily sales and margin insights and is the single source of truth to manage the operations of your entire brand.DayZero offers automated, as well as full service bookkeeping, insights, analysis, invoicing and financing for young CPG and ecommerce brands.WebsiteXXXXXNo minimum brand revenue!
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Clearco*Clearco provides ecommerce businesses with working capital to fund invoices and receipts. Increase your ecommerce business revenue with predictable, controllable, and scalable funding.Offers invoice and receipt funding for ecommerce businesses in the United States.
Can get funded in 24 hours; No collateral, non-dilutive; Capped weekly payments; No personal guarantees		WebsiteXClearco funds e-commerce companies. Our minimum eligibility criteria includes:
12+ months of revenue greater than $10k/month from connected sales platform(s) corporations or limited liability companies
Incorporated status in the United States of America (e.g., Corporations, LTD, or LLC)
Valid U.S. checking bank account
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Settle*Settle propels the growth of CPG brands by simplifying cash flow management.Within a single platform, Settle offers seamless vendor payments, purchase order 3-way matching, and transparent financing through Settle Working Capital. Settle proudly serves brands like Branch, Dagne Dover, and Olipop.Get in touchXXXX
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UncappedWorking capital designed with high-growth brands and retailers in mind. Simple, transparent, accessible funding from $100K to $10M to take your business to the next level.Amazon starter capital, growth working capital, and line of creditGet in touchXXX$100k per month (will look at less if large portion of sales are on Amazon)
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Onramp FundsFund your growth with up to $2M in as little as 24 hours. Apply in minutes and unlock your brand’s potential.Secure the capital you need to grow your eCommerce business and achieve your goals: from funding your inventory orders, developing new products, marketing & advertising spend, shipping & fulfillment expenses, to any other business related expenses needed to keep the business growing.
Get in touchXXXX- eCommerce businesses, selling on one of our supported platforms (Amazon, Shopify, TikTok, Walmart, WooCommerce, BigCommerce, Squarespace)
- At least $3,000 in average monthly sales (with no minimum months in business)
- Have a legal business entity in the United States
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Mercury Mercury is combining banking stability with a deep understanding of eCommerce companies to provide low-cost working capital facilities to help scale your business. With Mercury enjoy, FDIC insured deposit & savings accounts, corporate credit cards, treasury, effortless payments, automated workflows and ecommerce friendly capital.Get in touchXXX
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Deep Ocean Working CapitalWith over 40+ years of combined experience across $1bn+ capital invested, we provide tailored working capital solutions exclusively to top performing consumer brands. Our goal is to help you access 1.5-3x more working capital than traditional lenders.Revolving lines of credit, Term Loans, Receivables Factoring / Invoice Financing, Purchase Order Financing, Revenue Based / Cohort Financing / Growth CapitalWebsiteXXXXXXXRevenue run rate $10m+ or trailing twelve month revenue of $10m+
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Dwight FundingModern working capital partner for today's leading brands. Dwight partners with entrepreneurs to provide funding solutions designed specifically for the unique needs of growing consumer brands.Dwight Funding is a leader in providing working capital solutions and lines of credit to early and growth stage businesses. Our products are structured to work alongside seed or private equity funding by covering all working capital needs of E-commerce, Food and Beverage, and general CPG companies.WebsiteXXX- At least six months in business
- Revenue from $5MM - $100MM (Loss-making or profitable)
- Equity or bootstrapped
- Minimum asset value of $500k in A/R or $1MM in inventory
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Accion Opportunity FundSupporting small businesses through affordable loans, education resources and networks.AOF provides small business owners with access to affordable loan capital, digital educational resources, one-on-one business coaching, and networking opportunities, all completely free of charge.WebsiteXXXTypically one year in business and $50,000 in annual revenue are required for AOF loans, but businesses of any age, stage, or revenue size can participate in AOF coaching, education, and networking.
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Alterna Capital SolutionsProvider of capital financing and investment advisory services intended for start-ups and established businesses. The company offers invoice financing, asset-based lending, credit facilities, accounts receivable management and complimentary financing options, thereby delivering transparent financial assistance with concierge-level service.WebsiteXXXX$1M in annual revenue
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Assembled BrandsFounded by a brand founder who had grown one of his brands entirely on DTC sales and wanted a product like this but couldn't find one. Our mission is to use our deep expertise with consumer brands to provide the best lending options for a high growth brand.We offer highly flexible asset-backed lines that allow the brand to retain control of both their cash flow and their retail relationships. These lines are backed by inventory and AR and unlike other asset backed lenders we can lend 100% on inventory (most are capped at 50%)
WebsiteXXBrands need to have an asset base (AR+Inv) that supports a line of 1 million and above - generally we don't see that until a brand has hit 5MM in annual revenue and been in operation for at least 12 months. Exceptions can be made for a compelling brand that is younger/smaller that has strong AR signed.
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CrediblySmall business loans without the hoops
- Pre-qualification in minutes
- Funding in less than 24 hours
- Funding range from $5K to $400K		Working capital loans
Merchant cash advance
Business line of credit
Equipment Loan, Long-term business loan, Small business financing		WebsiteXXGeneral requirements below, but specific requirments will vary.
Six months or more time in business
Credit score of over 500, and
Average monthly revenue of $15,000+ ($180,000+ in annual revenue).
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Decathlon CapitalDecathlon is a private-debt lender focused on supporting growth-stage companies. Over the last decade, Decathlon has supported hundreds of companies with flexible, patient, non-dilutive funding solutions designed to replace equity investment and keep founders in control.Revenue-based Financing - funding packages in the $1 million to $15 million range.WebsiteXXXXRequirement of at least $3.5 million in LTM revenue
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Drip CapitalFacilitate and streamline working capital options to SMBs whose biggest hurdle to scale is access to reliable and affordable credit.Inventory Credit Line
Purchase Order Finance
Payable Finance (for vendor payments)
Factoring (Recourse and Non-Recourse)		WebsiteXXXXXX1. US based business with at least 2 years in operations
2. $500K worth of sales in the last 12 months
3. Cash Flow positive
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Express Trade CapitalFull-service financial, back office, and logistical support. Cash flow accelerators. Your remedy to net terms!Factoring, PO Finance, Letters of Credit, LogisticsWebsiteXXXX$500k annual revenue or $300k in accounts receivable/net terms
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FlexportFlexport Capital's non-dilutive, flexible trade financing helps match inventory and cash flow to revenue.Flexport will finance 80% of the cost of your inventory for up to 120 days (if you’re also using them for freight forwarding). Can provide secured or unsecured financing, up to $20m/quarter.WebsiteX$3m over the Trailing Twelve Months, accrual based financials, produced monthly
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Merchant FinancialAs a privately held firm, we offer unwavering partnership, providing customized financial solutions at competitive rates. With a team of seasoned experts who have been helping founders for years, we have a deep understanding of businesses and their unique needs.Asset-based lending, factoring, purchase order financingWebsiteXXXXProjecting more than $3 million in annual sales
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Pac WestWe deliver financial solutions to business owners and entrepreneurs throughout the country. You can count on us for the right products and services, customized for your business. Affordable Housing; Asset-Based Lending; Corporate Asset Finance; Real Estate Finance; Small Business Lending; VCPE Fund Finance; Venture Lending; Transactions; LIBOR transitionWebsiteXXOffers a range of banking and financial services for businesses and individuals.
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Primary FundingPrimary Funding Corporation (PFC) is a direct lender and provides Alternative Business Financing Solutions to businesses, from start-up to $40 million in annual revenue. Factoring a.k.a. Accounts Receivable Financing
Purchase Order Financing
Business Lines of Credit
Term Loans & Bridge Loans & Loan Services		WebsiteXXXXXXWe work with startups and small businesses doing $200K in annual revenue up to $40 million in annual revenue.
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Steel Capital ManagementWe partner with select Direct-to-Consumer companies by providing modern capital solutions to accelerate growth.Tailored, non-dilutive financing for select consumer brands (omnichannel, e-commerce and/or physical locations) designed to solve for what matters most to your business - whether that is term, interest rate, upfront capital, forward commitments or something else – so that you can focus on growth.WebsiteXXXXXUS-based
18 months revenue
$2 million annualized net revenue
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WayflyerWayflyer are backing the growth ambitions of consumer brands worldwide by giving them access to purpose-built financing.Wayflyer can tailor their financing to suit your size and business model.
- Direct to Consumer: You sell primarily through your own online store
- Wholesale: You sell primarily through brick-and-mortar retail channels
- Amazon: You sell primarily through Amazon		WebsiteXXX- MCA - Annual revenue > $120k. Sell Physical products.
- Enterprise - Annual revenue >$20M. Available to all verticals (DTC, Wholesale & Amazon)
- Wholesale - Annual revenue >$250k. Primarily sell to wholesalers, distributors, and big box retailers.
- Amazon - Annual revenue >$120k. Primarily sell through Amazon.
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8fig8fig is committed to the mission of propelling eCommerce sellers to 8 figures in revenue to achieve financial freedom or the thing that drives them most- through flexible funding and supply chain planning tools.Ecommerce Funding (Growth Capital)
Supply Chain Planning Tool
Supply Chain Management
WebsiteXOnline sellers in the United States and Canada (excluding Quebec).
Store has been in operation for at least 12 months
Have an annual revenue of $100,000 or more, and average monthly revenue is $8,000 for the last three months.
Please note that 8fig does not work with Dropshipping sellers.
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Access Business FinanceAccess Business Finance empathize with the financial pressures businesses face and recognize the crucial role funding plays in fostering growth.Asset-Based Loans
Commercial Lines of Credit		WebsiteXXXWe offer asset-based revolving lines of credit, with borrowing base certificates. The amount you can borrow is tied to your available collateral in the forms of AR, Inventory, Equipment & Real Estate. Lines range in size from $1,000,000 to $20,000,000. Our typical borrowers have revenues from $10,000,000 to $200,000,000.
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BFY CaptialWe are founders, operators, and investors who believe all stakeholders deserve better outcomes. We provide dilution friendly growth capital to leading "better for you" consumer brands.BFY Capital provides dilution friendly, structured credit growth capital to “better-for-you” consumer brands in the natural products industry, including food, beverage, beauty, personal care, and pet.WebsiteXX$20M
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eCapitaleCAPITAL is an impact venture capital firm that provides early to growth stage funding to technology companies.Factoring (invoice and freight factoring)
Asset-based lending
Payroll funding
Equipment financing		WebsiteXXXXMinimum of $15 million per year in revenue.
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Fora FinancialTo provide funding to small businesses, so that they can grow and succeed.Fora Financial provides strategic working capital from $5,000 to $1.5 million in as little as 72 hours from approval.WebsiteXXXXXMinimum credit score of 570
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Forever8Empowering e-commerce sellers with no-strings inventory capital, order optimization, and cash flow management.We purchase inventory for e-Commerce sellers.WebsiteX· $5k+ avg monthly revenue per SKU, & at least $30k+ in avg monthly revenue in aggregate across all SKUs
· At least 3 months of consistent sales history and the business must be incorporated
· The bulk (at least 75%) of your business needs to be e-Commerce / direct-to-consumer (‘DTC’).
· You use Amazon FBA and/or 3PLs in the US, UK or EU for your storage and fulfillment
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Funding CircleYou define your goals, we'll help you fund them. Affordable business loans between $25,000 and $500,000 in as fast as 2 business days.1Affordable business loans between $25,000 and $500,000 in as fast as 2 business days.WebsiteX2+ years in operation
$50K annual revenue
660+ FICO score
No bankruptcies within last 7 years
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GemCapProvide clients with great financing solutions and awesome customer service. An innovative firm, we support local businesses, employing normal people, doing real work.Provides loans in the range of $1-$10 million to businesses within the United States & Canada, as well as in-transit inventories en route to the United States.WebsiteXXXGemCap provides loans in the range of $1-$10 million to businesses within the United States & Canada, as well as in-transit inventories en route to the United States.
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Newco CapitalNewCo Capital Group is an American Alternative Finance company specializing in MCA Bridge-Capital. NewCo is passionate about providing fast and easy access to capital for businesses to help them grow, scale and create jobs.Merchant Cash Advance, Line of CapitalWebsiteX- 1 year in business
- 50k monthly revenue
- 550 FICO score
- Business Account
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OutfundThey help businesses scale rapidly. We're on your side. We've been supported with $100M by leading investors, including Fuel Ventures, Force Over Mass, and TMT Investments, among others. Now we want to help every founder build their own vision.Funding offers are based on your average monthly revenue. Outfund, providing fast, flexible and fixed revenue-based financing for all businesses.WebsiteXOur minimum criteria is 12 months of trading history and £25k per month in revenue. Currently, we can support companies registered in the US, UK, IE, NL, DE, ES and AU. We can only support registered companies with 12 months of trading history. We can provide between £25,000 and £10,000,000 at a time.
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SG Credit PartnersSG Credit Partners is a family-office backed lender providing working capital and long-term debt facilities to emerging and high-growth consumer brands.Asset-Based Loans (ABL), Fixed Asset Term Loans, IP/Brand Term Loans, Cash-Flow Term LoansWebsiteXXXXMinimum Revenues: $20mm+

Credit Facility Size: $5mm-$20mm+
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J Palmer CollectiveJPalmer Collective is a customized Asset-Based Lending solutions provider created to fund high-growth companies that do not fit the traditional lender’s criteria.The company provides white-glove service with a consultative approach to women-led companies, and consumer brands focused on conscious consumers, sustainability and inclusivity so they can achieve sustainable growth.WebsiteXXXXHigh-growth companies that do not fit the traditional lender’s credit criteria
Women-led companies
Consumer brands with a focus on sustainability and inclusivity
Brands that are focused on the “conscious” consumer
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KickfurtherGet funding for up to 100% of your inventory without taking on debt or giving up equity. Don’t pay until you sell. Kickfurther puts you in control of your business. When you get more opportunities than your cash flow can support, Kickfurther provides the funding you need.Inventory Now. Pay Later.WebsiteXKickfurther works with brands once they’ve reached at least $400,000 or more in trailing 12 months revenue. You do not need to be in business for 12 months, or have revenue in 12 consecutive months, but we review a snapshot of revenue across a period up to 12 months.
Business produces, or purchases and sells physical goods
Funded goods are not alcohol, tobacco, firearms, THC, or perishable/temperate-controlled storage (+12 month shelf life)
US-based business with inventory warehoused and fulfilled in the US
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LendistryLendistry is a minority-led small business lender. We help small businesses grow by offering loans as well as administering government and private grant programs.Funding as soon as 5 business days. Loan amounts starting at $25,000. Longer terms, up to 10 years. Business Term Loan, Non-Revolving Line of Credit, Startup Financing, Small Business Loan Fund.WebsiteXBusiness Loan: 640 credit score or above; Greater than two years in business
Non-Revolving Line of Credit: 640 credit score or above; Greater than two years in business
Startup Financing: 640 credit score or above; Less than two years in business
Small Business Loan Fund: 620 credit score or above; Greater than two years in business
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National FundingNational Funding provides entrepreneurs with fast approval for small business loans and a simple application process. At National Funding, you’ll receive personal service and customized options to help you reach your business goals.Small Business Loans, Equipment Financing and LeasingWebsiteXX- 6 Months in Business
- $250,000+ in
- Annual Sales Business Bank Account
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SellersFundingSellersFi delivers the first truly comprehensive financial platform built for accelerated e-commerce growth. Whether you’re a marketplace seller, DTC brand, B2B business, or hybrid, SellersFi empowers you with strategic solutions that make scaling fast and easy.Working Capital, CommercePay, Daily Advance, Invoice Factoring, Invoice FlexWebsiteXXXFor applicants, we look for a minimum of six months of sales history on an e-commerce platform (Amazon, Walmart, Shopify, Stripe, eBay, Miva, BigCommerce, or WooCommerce) and upwards of $20,000 in monthly net sales.
Additionally, your entity must be incorporated in the United States, Australia, Canada, or the United Kingdom as an Ltd., LLC, or Corporation.
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Stenn TechnologiesYour working capital platform for speeding up your turnover, getting better trading terms and accelerating your business.International and Domestic Invoice and Revenue-based Financing and Ecommerce financing. Trade finance for sellers and buyers - up to $10M (USD) within 48 hoursWebsiteXXXXRevenue-Based Financing: Companies providing digital services, With $20k+ monthly sales and having a selling product for more than 12 months, Located in the US
Invoice Financing: 12 months in business, must sell goods or provide a service, Supplier’s Buyer must be based in a different country, Supplier’s Buyer cannot be: in arrears, insolvent, in court, or a company affiliated to the Supplier.
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BlueVineA powerful business banking platform built for where you
are and where you’re going—with lower fees, effortless
money movement, and access to working capital.		FinTech, not a bank. Business Checking, Business Loans (term and line of credit), Credit Card.
No monthly fees, unlimited transactions, and free standard ACH
FDIC Insurance up to $3M		WebsiteXXXX
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ComericaThe Business Bank provides companies of all sizes with credit and non-credit financial products and services. The Retail Bank delivers financial products and services to consumers. Wealth Management serves the needs of high net worth clients and institutions.Working capital lines of credit; Term loans; SBA loans; Commercial real estate loans; Letters of credit; Equipment financingWebsiteXX
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Fundera by nerdwalletCompare multiple small business loan options at onceSBA Loans, Term Loans, Business Lines of Credit, Invoice Financing, Startup Business Loans, Equipment Financing, Short-Term Business Loans, Merchant Cash AdvancesWebsiteXXXXX
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Gateway Trade FundingGateway Trade Funding helps you capture more sales by providing the funding you need for your domestic and international goods.Gateway provides purchase order funding, stretch financing, and export financing that will keep your sales moving.WebsiteXX
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GyngerThe first AI-powered payments platform with embedded financing built for buyers and sellers of technology.Virtual card, Hardware Financing, Software Financing, Cloud FinancingWebsiteX
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Harper AdvanceAt HARPER, we provide fast, reliable and easy funding solutions for all businesses.Whether you need funds for expansion or cash flow gapes, HARPER will get the funds in your account that same day. We say yes to you when others say no.WebsiteX
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Lending ValleyGet all available financing options right here, in real time. Get approved instantly and funded in as little as 24 hours.Unsecured Business Loans, Merchant Cash Advanced, Bad Credit Business LoansWebsiteXX
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Lunr CapitalOur deep experience working with emerging consumer brands, combined with a technology platform that delivers insights through a proprietary retail dataset, we help our clients anticipate challenges and achieve their full potential in the retail landscape.Retail Commitment Financing for emerging consumer brands - simple, transparent, and flexible.WebsiteXX
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Milberg FactorsMilberg Factors is a private firm committed to providing clients with the financial resources and personalized attention they require to grow and prosper — based on an entrepreneurial philosophy and set of values that have remained constant in 75+ years of doing business.Milberg provides clients with Factoring Services, Accounts Receivable Financing, Letters of Credit and Import Financing, Equipment Financing, Mortgages, and Acquisition Financing.WebsiteXXXX
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PaperstackSupporting DTC and retail brands with capital to purchase inventory, invest in advertising, and finance payroll.Paperstack helps direct-to-consumer and retail brands accelerate their growth by providing working capital to purchase inventory, invest in advertising, and finance payroll.WebsiteXXXX
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ParkerThe financial stack for scaling your e⁠-⁠commerce brand faster—and more profitably.Business credit cards, bill pay, deposits & analyticsWebsite
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RosenthalRosenthal is the largest privately held factor and finance company in the United States.Asset based lending, Factoring, Purchase Order Financing, Inventory FinancingWebsiteXXXXX
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The Ember CoWe draw on our thoughtfully cultivated network to link companies with crucial expertise, talent and capital—at every stage of growth. Our approach is intentional, built on connection. When we say partnership, we mean it. By getting to know each client and understanding their business as if it were our own, we precisely target advisory, network and capital resources as needed—toward sustainable growth.WebsiteXXXXX
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TranchTranch is the payments platform for businesses who want to pay and get paid faster and easier.Tranch enables your businesses to pay on your terms, whether securely by Pay Now or via Pay Later when you can pay invoices over 2 to 12 months, subject to approval.WebsiteX
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ManufacturedManufactured (MFD) is a venture-backed company that specializes in manufacturing and financing inventory for B2B and DTC customers in 20 industries across 25 countries.PO Financing
Factoring
Sourcing
Vendor Management		WebsiteXXFund $100K to $50MM ($3MM max per transaction)
POs need to be from Credible Retailers / Distributors
Use Your Existing Vendor or Use One of Our Vetted Vendors
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STAR FundingStar Funding, based in New York, has been providing Purchase order financing and invoice financing for over 25 years.Purchase Order Finance, FactoringWebsiteXX