INVENTORY
FINANCING FOR FOOD &
BEVERAGE INDUSTRY
Affordable Food and Beverage Financing from 1% Monthly
Access up to 100% of your inventory costs through Kickfurther with flexible payment terms — no payments until your inventory starts selling. With Kickfurther’s food and beverage financing, you can fund every order when it’s time to restock, keeping your capital free to grow your brand without taking on debt or giving up equity.
- Often 30% lower cost than alternate lenders & factors
- Quickly fund $5,000,000+ in food and beverage inventory
- Create a custom payment schedule (1-10 months)
- Fund food and beverage inventory with no payments until revenue lands
Common Financial Challenges in the Food and Beverage Industry
Scaling a food and beverage business is rewarding — but raising the funds to fuel that growth can be one of the hardest parts. Without reliable food and beverage financing, it’s difficult to invest in strategies like expanding your product line, boosting marketing efforts, or hiring additional talent to drive your business forward. Identifying food industry financing resources is key to sustaining momentum and staying on a growth path. The food and beverage industry is massive, covering everything from production and processing to packaging and distribution. The good news is that with so many others in the same industry, there’s a wealth of shared experience and proven strategies to overcome challenges. Here are some of the most common financial hurdles food and beverage brands face:
High Expenses
From testing recipes and packaging products to delivering them to stores, there are countless steps — and costs — that go into getting a product on the shelf. For restaurants, costs add up quickly with labor, ingredients, and operational expenses. Whether you’re running a café, a restaurant, or managing liquor store inventory financing, large sales volumes are often necessary to stay profitable. Monitoring expenses closely and continually looking for ways to cut costs, even by small amounts, is essential.
Inventory Control
When inventory equals revenue, tight control is essential. Food and beverage financing can help companies better manage inventory challenges, from discrepancies during manufacturing to losses in shipping or retail. Tracking inventory closely and investigating anything unusual right away is key to avoiding major losses.
Delayed Data Review
Failing to review financial and operational data in a timely manner can lead to costly mistakes. Even though hiring more staff for data oversight may feel like an extra expense, it often saves businesses money over time by helping them make smarter decisions faster.
Theft and Waste
Food theft and waste are common risks in this industry. Products pass through many hands before reaching consumers, increasing the chances of theft or mishandling. Investing in better processes, reliable suppliers, and secure retail operations can help minimize both waste and theft-related losses.
With the right food and beverage financing in place, brands can manage these challenges and stay focused on sustainable growth.
Food and Beverage Industry Financing Options — and Where to Find Them
Most companies in the food and beverage industry need financing — often from more than one source. Before choosing the right option for your business, it’s important to research and make an informed decision. Three of the most common food and beverage financing methods are small business loans, business lines of credit, and alternative funding platforms. Let’s take a closer look at each:
Small Business Loans
Traditional small business loans can help food and beverage companies secure capital for growth. While they can offer flexible terms, they’re often harder to qualify for and may take longer to fund. You can find small business loans through banks, credit unions, and online lenders.
Business Lines of Credit
Established food and beverage businesses might benefit from a business line of credit. This option provides ongoing access to funds — similar to a credit card — which can help with inventory purchases, payroll, or managing cash flow. You only pay interest on the amount you use, up to a set limit.
Alternative Funding Platforms
Alternative platforms give food and beverage businesses another way to raise capital when traditional loans aren’t a fit. They can provide flexibility in how funds are raised and repaid, making them a helpful option for covering inventory costs or expanding operations.
Get Food and Beverage Funding with Kickfurther
Kickfurther covers up to 100% of your inventory costs with flexible payment terms you control. You can finance full inventory orders when you need them, freeing your cash for growth without taking on debt or giving up equity.
No Upfront Payments
You start repaying only when your inventory begins to sell. Choose a repayment plan that works with your cash flow.
Equity Stays Yours
Kickfurther provides funding without requiring any ownership stake in your business.
Not a Traditional Loan
Since Kickfurther isn’t a loan, it doesn’t add debt to your balance sheet. Unlike debt financing, it won’t restrict your access to working capital or impact your business valuation if you’re considering investors or a sale.
Fast Funding When You Need It
Kickfurther can fund your full inventory order to help you meet supplier deadlines and keep your shelves stocked.
Kickfurther helps you stay in control of your business while financing your largest expense — inventory. Whether you’re scaling up your production or expanding your product line, food and beverage financing with Kickfurther helps you keep cash free for growth.
Growing a successful brand takes the right support. With Kickfurther’s food and beverage financing, you can get the funding you need on your terms.
Where you've seen us
- 1. Set Up Your Business Profile Sign up for a business account, upload your key info, and launch your inventory deal.
- 2. Get Funded in Hours, Not Days Once your deal is live, most businesses get fully funded within minutes to a few hours.
- 3. Build Your Own Repayment Timeline We pay your supplier so production starts right away. Set your sales windows, get a tailored payment schedule, and share profits with backers based on actual sales.
- 4. Finish Strong, Raise Again Wrap up your repayments and you’re good to go. Businesses with strong track records often come back to raise again — sometimes at even better terms.
See Who Else We’ve Helped
Frequently asked questions
Not seeing your questions here? Please feel free to reach out!
How does food and beverage financing with Kickfurther work?
Brands can access funding for new food and beverage inventory (or can get reimbursed for recently produced goods) from marketplace participants. The marketplace allows brands to access private funding at costs that can improve with each use. Your food and beverage PO funding goes directly to your manufacturer for production of goods and you make no payments until you receive and begin selling new inventory.
What are the minimum requirements to qualify for food and beverage financing?
Kickfurther works food and beverage with brands once they’ve reached at least $150,000 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.
As we process your application, we review your account statements to calculate your trailing 12 months of revenue. Kickfurther will consider your revenue to be your net sales, which we define as your business’s gross sales minus its returns, fees, allowances, and discounts.
What are the minimum requirements to qualify for food and beverage financing?
- Kickfurther works food and beverage with brands once they’ve reached at least $150,000 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.
- As we process your application, we review your account statements to calculate your trailing 12 months of revenue. Kickfurther will consider your revenue to be your net sales, which we define as your business’s gross sales minus its returns, fees, allowances, and discounts.
How can I create a Kickfurther Co-op for my food and beverage business?
Launching a Co-Op for your food and beverage business involves 3 key steps:
- Create a basic profile including information about your business and product line. Once you’ve done this you can go live with an “upcoming Co-Op” profile that users can choose to follow to hear when your Co-Op launches.
- Determine your Co-Op structure using the Kickfurther calculator to determine costs, earnings, and timeline.
- Verify your Credibility Metrics with the Kickfurther team and finalize your Co-Op profile.