CPG A/R funding. Funded in 24 hours.
Same day A/R funding on retailer, grocery, club, and distributor invoices, . Get paid the day you ship instead of waiting Net-30+ for shelf revenue.
To qualify for same day funding, complete paperwork must be submitted by the 1:00 p.m. CT cutoff time M-F. All funding is subject to initial application approval.
You're on the shelf. The retailer pays in 30+, minus deductions.
CPG factoring turns an approved retailer or distributor invoice into cash the same day, you sell the receivable to Integra and get a large portion funded immediately, instead of financing the retailer for two or three months.
It is not a loan. You are selling receivables you earned by shipping product. When the retailer pays, you receive the remainder, less one fee.
The order that proves the brand is the one that breaks the cash flow.
A retailer expands you from 200 to 2,000 doors. It's the moment you've worked for, and it requires pre-funding a production run several times your current cash, then waiting 30+ days, then eating deductions you didn't budget for.
A/R funding closes the gap: we advance the invoice the day you ship. Integra funds the brand the rollout is turning you into, not the one on last quarter's books.
See how the process works →Brands on the shelf.
Integra funds CPG brands and producers selling into retail, grocery, club, and distributor channels. If you ship physical product to a creditworthy retailer or distributor and wait to get paid, there's a template for you here.
Food & beverage brands
Shelf-stable, refrigerated, and frozen food and beverage brands billing grocery, club, and distributors on fast-turn terms.
- Snacks & packaged food
- Beverage & functional drinks
- Frozen & refrigerated
- Natural & specialty
Health & beauty / personal care
Cosmetics, skincare, and personal-care brands selling into mass, drug, and specialty retail with heavy trade-spend programs.
- Cosmetics & skincare
- Personal & oral care
- Mass & drug channel
- Specialty beauty retail
Household & cleaning
Cleaning, paper, and home-care brands shipping high-volume pallets into big-box and club on tight margins.
- Cleaning & home care
- Paper & disposables
- Laundry & surface
- Club-pack programs
Pet, supplements & wellness
Pet food and supply, nutritional supplements, and wellness brands across mass, specialty, and natural channels.
- Pet food & treats
- Vitamins & supplements
- Wellness & nutrition
- Natural-channel brands
Apparel & soft goods
Apparel, accessories, and soft-goods brands with seasonal production cycles and import-driven supply chains.
- Apparel & accessories
- Footwear & bags
- Home textiles
- Seasonal & import programs
Every B2B channel
However you reach the shelf, direct to a retailer's vendor portal, through distributors and brokers, or as a marketplace 1P vendor.
- Big-box & mass retail
- Grocery & club
- Distributors (UNFI/KeHE)
- Marketplace 1P wholesale
Why brands choose a factoring partner.
Getting paid in CPG is complicated. Integra puts you on a direct line to a real person who knows retail and distribution, all from one team.
| Feature | Integra | Typical CPG factor |
|---|---|---|
| Regulator | Division of a federally regulated bank | Unregulated finance co. |
| Distributor / broker model | Distributor & broker familiar | Generic invoice view |
| Retailer concentration | Concentrated retailers accepted | Capped at varies |
| Funding amount | A large portion, less one fee | Varies by provider |
| Fee structure | Single discount fee | Discount + admin + ACH |
| Add a bank line / SBA | Same Integra team | Not offered |
From invoice to funded, same day.
Factoring is not a loan. You’re advancing cash on invoices you’ve already earned — not borrowing against them. Here’s what to expect, from first call to funded.
Apply & get approved
Submit the short form to get started. Approval depends primarily on the credit of who pays you (retailers and distributors), so new and growing companies qualify.
Onboarding & setup
You provide a few standard documents and sign the agreement. We set up your account, give you portal access, and introduce your dedicated account manager.
Submit invoices, get paid
Upload your invoices through the portal. We verify and advance the funds, same business day before the cutoff. Repeat as your business runs.
We understand how retail actually pays a brand.
Our CPG team understands how retail and distribution channels actually pay brands, and we structure each funding arrangement accordingly.
Import & distribution
For importers and distributor-model brands we fund the receivable once you ship and bill, so you get paid the day the invoice goes out instead of waiting on the retailer's terms.
Distributors & brokers
We're familiar with natural and specialty distributor terms and the broker model, structuring funding to how those channels actually pay.
Single-retailer books
100% concentration to one investment-grade retailer is underwritable, often at improved pricing, because the payor risk is strong.
A vendor your retailer can vet
Integra operates under federal banking standards, an added layer of oversight your retailer's procurement and vendor-compliance team can verify before payment is redirected.
Talk to our team
Our CPG lead can walk through retailer onboarding and how your program would be funded before you sign anything.
Headquartered in Fort Worth, Texas, funding consumer brands nationwide.
Integra Funding Solutions operates from Fort Worth, TX, funding CPG brands in every state, from the food-and-beverage hubs of Texas and the Southeast to the beauty and wellness clusters of the West Coast.
Our CPG team knows the difference between a club buy and a natural-channel launch, the deduction profiles, the production cycles, and the distributor terms, and structures each accordingly.
Office hours: Mon-Fri, 9 AM to 5 PM Central. Speak with a real person at (866) 552-8536.
- Nationwide All 50 states
- Fort Worth, TX HQ
- Food & beverage Grocery & club
- Health & beauty Mass & specialty
- Household & cleaning Home care
- Pet, supplements & wellness Natural & mass
- Apparel & soft goods Seasonal & import
- All B2B channels Retail, distributor, 1P
Real people. One specialist who knows your business.
You work with one named contact who handles A/R funding and invoice factoring every day. No call center, no bots, no phone queue. Behind him sits a dedicated credit and back-office team on every funded account.
Backed by a dedicated credit and underwriting and back-office team on every funded account. Main line: (866) 552-8536 · M-F, 9 AM to 5 PM CT.
Answers to your CPG A/R funding questions.
The questions we hear most from consumer brands evaluating A/R funding. If yours isn't here, call our CPG team, we'll answer it directly.
What is CPG factoring?
It is the sale of an approved retailer or distributor invoice for an immediate cash advance of a large portion of invoice value, with the remainder paid, less a small fee, when the retailer pays.
It is not a loan; you're selling receivables you earned by shipping product.
Do you fund brands selling through natural and specialty distributors?
Yes. Whether you sell direct to a retailer's vendor portal or through natural and specialty distributors, we fund the receivable and know the distributor terms, deduction practices, and broker model.
Do you fund DTC and marketplace revenue?
B2B receivables, yes; pure DTC card revenue, no. Marketplace first-party (1P) wholesale, where you invoice the marketplace as a vendor, is fundable. Many omnichannel brands factor retail and 1P wholesale A/R while running DTC separately, we'll tell you what's eligible.
Does concentration in one big retailer disqualify a brand?
No. We weigh the credit of the retailer, not the diversification of the brand. 100% concentration to an investment-grade big-box or grocery account is a standard CPG credit, often at improved pricing.
What rates and fees apply?
Integra advances a large portion of invoice face value. Pricing is quoted for your business, based on retailer credit, invoice volume, and payment terms. Every fee is disclosed in writing before you sign. No volume minimums.
How fast can a CPG brand get funded?
Initial onboarding is a one-time setup, for retailer-payor verification and account setup.
Once live, approved invoices submitted before 1 PM Central Time fund the same business day by ACH, or next business day by ACH.
Ready to fund your next rollout?
Two ways to start. Pick the one that matches where you are, we'll route you to a named banker on our CPG team within one business day.
Get a custom rate
Answer a few quick questions about your brand. We'll contact you with any questions and provide a custom quote. No documents needed yet, no fee, no obligation.
Start the form Custom quoteTalk to a specialist
A real person who works CPG accounts every day, on the line. No phone tree, no script, no call center.
(866) 552-8536 Speak with a real person