Kickfurther Now Funds Frozen, Refrigerated, and Perishable Inventory

Posted on by Kaylyn Perry

Kickfurther now funds frozen, refrigerated, and perishable inventory. No more straining your cash flow just to meet growing demand. No more stockouts because of upfront supplier costs. No more scrambling to scale with limited capital.

Now, you can get up to 100% of your inventory funded all without taking on debt, giving up equity, or waiting on traditional financing.

Whether you sell frozen meals, chilled beverages, dairy, or any fresh consumable, Kickfurther can help you stay stocked, stay moving, and growing further.

Why This Matters for CPG Brands

If you’ve ever managed perishable inventory, you know the challenge.

You pay for production before you generate revenue. Your goods have a shelf life. You can’t afford to overstock or worse, understock. And while demand might be heating up, your cash flow is often lagging behind.

Kickfurther changes that.

We’ve already helped 1,000+ growing consumer brands fund over $250 million in inventory. Now we’re expanding our funding model to include perishable, refrigerated, and frozen products without changing the flexibility that sets Kickfurther apart.

 

What You Get with Kickfurther

Kickfurther’s model is built specifically for inventory-based businesses, and now it works for cold-chain products too.

Up to 100% of your inventory funded
 Get the capital you need to stock up, ramp up, and deliver on demand without tying up working capital.

Pay as you sell
 You don’t pay until your inventory sells. That means better margins, improved cash flow, and breathing room to grow.

No debt, no dilution
This is non-dilutive capital. You keep your equity. You avoid new debt. You scale on your terms.

 

Growth Just Got Cooler

Adding frozen, refrigerated, and perishable goods to the Kickfurther platform opens the door for thousands of CPG brands to access capital without compromising cash flow.

Let’s say you produce premium frozen entrees or refrigerated plant-based drinks. You’ve nailed your product, and you’re gaining shelf space, but now your suppliers want bigger orders, and retailers want consistent restocks. You’re stuck between wanting to grow and not having the capital to do it.

Kickfurther bridges that gap. We fund the inventory upfront, and you pay as the product sells. That means:

  • You stay stocked and never miss out on sales

  • You don’t borrow against your future

  • You keep ownership of your brand

  • You scale on your schedule, not your cash flow’s

From Frozen to Funded

Kickfurther is now a game-changer for any CPG brand with cold-chain products. That includes:

  • Frozen meals & snacks

  • Refrigerated beverages

  • Dairy & dairy alternatives

  • Cold-pressed juices & smoothies

  • Meat & seafood products

  • Fresh ready-to-eat meals

  • Plant-based perishables

  • Deli items & prepared foods

If your product lives in a fridge or freezer, we can help you fund it.

Ready to Grow Without Freezing Your Cash Flow?

This is the kind of growth capital cold-chain brands have been waiting for:

  • No cash flow freezes

  • No equity giveaways

  • No debt pressure

Get up to 100% of your inventory funded. Pay when you sell.

Get funding now

Purchase Order Financing vs. Kickfurther’s Inventory Financing: Which is Best for Your CPG Brand?

Posted on by Kaylyn Perry

For Consumer Packaged Goods (CPG) brands, maintaining a steady flow of inventory is essential to meeting customer demand and sustaining growth. However, securing the capital necessary to fulfill large orders can be challenging—especially for small or growing brands. Two popular funding solutions to address this challenge are purchase order financing (PO financing) and Kickfurther’s inventory financing.

While both options can help businesses bridge cash flow gaps, they work in distinct ways and come with unique advantages and drawbacks. In this blog, we’ll break down how purchase order financing and Kickfurther’s inventory funding work, compare their pros and cons, and help you determine which is the better fit for your CPG brand.

What is Purchase Order Financing?

Purchase order financing is a funding option that helps businesses fulfill large orders when they lack the necessary capital to cover production costs. With PO financing, a third-party lender (a PO financing company) pays the supplier directly to produce and deliver goods to the customer. Once the customer receives the order and pays the invoice, the lender deducts their fees, and the remaining balance goes to the business.

How It Works:

  1. A business receives a large purchase order from a retailer or customer.
  2. The business applies for PO financing and, if approved, the lender pays the supplier to fulfill the order.
  3. The supplier manufactures and ships the goods directly to the customer.
  4. Once the customer pays the invoice, the lender deducts their fees and sends the remaining funds to the business.

Pros of Purchase Order Financing:

  • No Need for Upfront Capital: Businesses can fulfill large orders without using their own cash.
  • Supplier Payments Covered: The lender pays the supplier directly, ensuring production continues smoothly.
  • Growth Opportunity: Helps businesses accept and fulfill large orders that would otherwise be impossible due to cash flow constraints.

Cons of Purchase Order Financing:

  • Strict Qualification Requirements: PO financing companies typically require strong customer creditworthiness, meaning your buyers (not just your business) must have a solid history of on-time payments.
  • High Fees: Lenders charge significant fees (often ranging from 2% to 6% per month), reducing profit margins.
  • Limited Use Case: Only available for purchase orders from established customers, meaning businesses must already have confirmed sales.

What is Kickfurther’s Inventory Financing?

For physical product companies (CPG companies), or those producing shelf-stable consumables, a growth funding option that provides larger amounts than traditional financing and at faster speeds is inventory funding with Kickfurther.

 

Kickfurther funds up to 100% of your inventory costs on flexible payment terms that you control. Kickfurther’s unique funding platform can fund your entire order(s) each time you need more inventory, so you can put your capital on hand to work growing your business without adding debt or giving up equity.

 

Why Kickfurther? 

No immediate repayments: You don’t pay back until your product sells and you control your repayment schedule. 

Non-dilutive: Kickfurther doesn’t take your equity.

Not a debt: Kickfurther is not a loan, so it does not put debt on your books, which can sometimes further constrain your access to additional capital providers and diminish your valuation if you approach venture capital firms.

Quick access: You need capital when your supplier payments are due. Kickfurther can fund your entire order(s) each time you need more inventory.

Purchase Order Financing vs. Kickfurther’s Inventory Financing

Feature Purchase Order Financing Kickfurther’s Inventory Financing
Purpose Funds purchase orders from established customers Funds inventory purchases for general sales
Repayment Terms Repayment occurs when the customer pays the invoice Repayment occurs as inventory sells
Who Pays the Supplier? PO financing company pays the supplier Business uses Kickfurther funding to pay the supplier
Debt or Equity? Loan-based (adds debt to balance sheet) Non-debt financing (off-balance-sheet)
Funding Speed Moderate (approval required) Fast (funding typically happens quickly)
Risk High lender fees and potential financial risk if customers delay payment Less risk since repayment aligns with sales performance
Best For Businesses with confirmed customer purchase orders but insufficient capital Businesses that need inventory funding for multiple sales channels

 

Which is the Best Option for Your CPG Brand?

Choosing between purchase order financing and Kickfurther depends on your business model, sales strategy, and financial needs. Here’s a quick guide to help determine which option is best for you:

  • Choose Purchase Order Financing If:
    Your business regularly receives large purchase orders from established customers.
    You need supplier payments covered upfront for confirmed sales.
    You are comfortable with high fees in exchange for fulfilling large orders.
  • Choose Kickfurther’s Inventory Financing If:
    Your business sells through multiple channels (retail, e-commerce, wholesale) rather than fulfilling individual orders.
    You want to fund inventory without taking on debt.
    You need flexible repayment terms that align with actual sales performance.

For many CPG brands, Kickfurther offers a more scalable and financially flexible solution since it allows businesses to secure inventory without immediate financial pressure. However, if your primary challenge is fulfilling large purchase orders from specific customers, PO financing might be a suitable option despite its higher fees.

Final Thoughts

Both purchase order financing and Kickfurther’s inventory financing offer valuable solutions for CPG brands looking to grow without tying up cash. While PO financing is a great tool for businesses with confirmed sales, it comes with high fees and strict requirements. On the other hand, Kickfurther provides a non-debt, sales-aligned funding model that helps brands scale inventory without immediate repayment pressure.

Ultimately, the best choice depends on your business’s specific needs, financial health, and growth strategy. If you’re looking for a funding solution that allows for flexibility, preserves cash flow, and aligns with your sales performance, Kickfurther’s inventory financing is a powerful alternative worth considering.

Inventory Financing vs. Revenue-Based Financing: A Guide

Posted on by Kaylyn Perry

In 2025, small and mid-sized businesses, particularly those in the consumer packaged goods (CPG) industry, are seeking more flexible funding options to manage inventory and cash flow. Traditional loans often come with stringent repayment terms, personal guarantees, and limitations on how funds can be used. Two emerging funding options gaining traction are Revenue-Based Financing (RBF) and Inventory Financing with Kickfurther. Let’s take a closer look at how these options compare and which might be the best fit for your business.

Revenue-Based Financing

Revenue-Based Financing provides businesses with capital in exchange for a percentage of future revenues until the agreed-upon repayment amount is met. This model is particularly appealing for CPG brands that experience seasonal fluctuations, as it allows for flexible repayment schedules that align with sales performance.

Advantages of Revenue-Based Financing

  • Flexible Payback Structure: RBF repayments are directly tied to sales performance. If a company experiences a strong revenue month, it pays back more; during slower months, it pays back less. This flexibility makes RBF a useful option for businesses with cyclical or seasonal sales patterns.
  • Upfront Capital: Businesses receive significant upfront funds that can be allocated toward large inventory purchases, marketing campaigns, or other necessary expenses, leveraging future revenue for immediate growth.
  • Non-Dilutive: Unlike venture capital or equity financing, RBF does not require business owners to give up ownership stakes in their companies.

Disadvantages of Revenue-Based Financing

  • Limited Funding: The amount of capital available is directly tied to revenue. Businesses with lower sales volumes may struggle to secure the necessary funds to support large-scale inventory needs.
  • Best for Short-Term Investments: RBF is ideal for expenses that quickly generate returns, such as inventory and marketing. It is not a suitable solution for ongoing operational expenses like staffing.
  • Costly Repayments: Since payments are taken directly from sales revenue, businesses must be prepared for consistent withdrawals. This can create a cash-flow strain, especially if revenue projections are not met.

Inventory Financing

 

Inventory financing allows businesses to leverage the resources of a financing partner to pay for inventory production. This type of financing is especially helpful for businesses that experience significant delays between paying for inventory and receiving payment from future sales.

With inventory financing, the products produced act as the collateral for the financing, which means that if the business reports an inability to repay the funding, the inventory can be sold to cover the debt. This can provide a level of security for the financing partner, which can result in more favorable terms for the business.

One of the key benefits of inventory financing is that it can be customized to address a business’s exact manufacturing, shipping, and sales timelines. Some providers even offer payment terms that align with natural cash flow cycles, meaning that no payment is required until the inventory sells. This can help to improve a business’s cash flow and reduce the risk of running out of working capital.

Inventory financing can also be helpful for businesses that want to receive volume-based discounts by placing larger orders to support all of their sales channels. This works best when done on a regular basis, such as quarterly, and can help to prevent stock-out issues that can stifle growth.

Inventory Financing with Kickfurther

For businesses in the CPG space looking for a more tailored inventory funding solution, Kickfurther presents a unique alternative. Unlike traditional financing or revenue-based, Kickfurther enables companies to secure up to 100% of their inventory costs with payment terms that align with actual sales performance.

Why Choose Kickfurther?

  • No Immediate Repayments: Businesses do not start paying back until their inventory sells, allowing them to manage cash flow more effectively.
  • Non-Dilutive Capital: Kickfurther does not require business owners to give up equity, preserving ownership and control.
  • Not Considered Debt: Since Kickfurther funding is not classified as a loan, it does not appear as debt on financial statements. This can be advantageous when seeking additional funding or negotiating valuation with investors.
  • Fast and Large-Scale Funding: Kickfurther can fund entire inventory orders quickly, helping businesses meet supplier deadlines and keep up with demand.

How Kickfurther Works

Kickfurther connects businesses with a community of buyers who fund their inventory needs. Once funded, businesses receive their inventory without taking on debt. As sales occur, businesses repay buyers, typically with an agreed-upon profit margin. This structure ensures that payments are only made as inventory is sold, reducing financial strain on the business.

Which is Best for Your Business?

Feature Revenue-Based Financing Kickfurther Inventory Financing
Repayment Structure Fixed percentage of monthly revenue Payment made only as inventory sells
Use of Funds Inventory, marketing, and growth-related expenses Strictly for inventory purchases
Dilution Non-dilutive Non-dilutive
Debt Classification Considered a liability on financial statements Not classified as debt
Speed of Funding Relatively quick Very fast, aligns with supplier needs
Risk Level Moderate, requires strong sales to avoid cash flow issues Lower risk, since repayments align with sales

Final Thoughts: Which Option is Right for You?

For CPG brands and product-based businesses, maintaining sufficient inventory levels is critical for growth. Kickfurther’s ability to provide up to 100% of inventory funding without immediate repayments can be a game-changer for a growing brand. However, brands that need capital for multiple operational needs beyond inventory may find Revenue-Based Financing to be a more versatile solution.

As brands navigate 2025, the demand for flexible, growth-oriented financing solutions will continue to rise. Whether you choose Revenue-Based Financing or Kickfurther, the key is selecting the funding option that best aligns with your sales cycle, growth strategy, and cash flow management needs.

Inventory Financing vs. Traditional Financing: Which is Right for Your Business?

Posted on by Kaylyn Perry

Securing the necessary funds to manage inventory and scale can be challenging, especially for growing CPG brands. Traditionally, businesses have relied on bank loans and other conventional financing methods. However, alternative funding solutions like Kickfurther have emerged, offering innovative approaches to inventory funding. This article explores traditional funding sources and compares them with Kickfurther’s model to help you determine the best fit for your CPG brand.

Traditional Funding Sources

Traditional financing options, such as bank loans, lines of credit, and trade credit, have long been relied upon by CPG brands to manage inventory and cash flow. Each of these methods offers advantages, from predictable repayment structures to flexible access to capital. However, they also come with challenges, including stringent approval requirements, rigid repayment terms, and potential impacts on supplier relationships. Understanding the benefits and drawbacks of these traditional funding sources can help your brand determine the best approach to financing its inventory needs.

Bank Loans

Bank loans have long been a go-to option for CPG brands seeking capital for inventory and operational needs. These loans involve borrowing a lump sum from a financial institution, which is repaid over time with interest.

Advantages:

  • Secure Capital: Bank loans provide a reliable source of funds, often with fixed interest rates, allowing for predictable repayment schedules.
  • Flexibility in Use: Once approved, the funds can be utilized as needed, whether for inventory purchases, equipment, or other operational expenses.
  • SBA Loans: The Small Business Administration (SBA) offers loans specifically designed for small businesses, including those in the e-commerce sector, often with favorable terms.

Disadvantages:

  • Lengthy Approval Process: Obtaining a bank loan can be time-consuming, involving extensive paperwork and a thorough review of financial history.
  • Stringent Requirements: Banks often require collateral and may favor established businesses with proven track records, making it challenging for startups or rapidly growing brands to qualify.
  • Rigid Repayment Terms: Fixed repayment schedules may not align with the cash flow fluctuations typical in the CPG industry, potentially leading to financial strain.

Line of Credit

A line of credit provides businesses with access to a predetermined amount of funds that can be drawn upon as needed, offering flexibility in managing cash flow.

Advantages:

  • On-Demand Access: Funds can be accessed when required, making it easier to manage short-term financial needs.
  • Interest on Used Funds: Interest is only paid on the amount drawn, not the entire credit limit.

Disadvantages:

  • Variable Interest Rates: Rates may fluctuate, leading to potential increases in borrowing costs.
  • Renewal Requirements: Lines of credit may need periodic renewal, involving reassessment of the business’s financial status

Inventory Financing

Inventory financing allows CPG brands to leverage the resources of a financing partner to pay for inventory production. This type of financing is especially helpful for businesses that experience significant delays between paying for inventory and receiving payment from future sales.

 

With inventory financing, the products produced act as the collateral for the financing, which means that if the business reports an inability to repay the funding, the inventory can be sold to cover the debt. This can provide a level of security for the financing partner, which can result in more favorable terms for the business.

 

One of the key benefits of inventory financing is that it can be customized to address a business’s exact manufacturing, shipping, and sales timelines. Some providers even offer payment terms that align with natural cash flow cycles, meaning that no payment is required until the inventory sells. This can help to improve a business’s cash flow and reduce the risk of running out of working capital.

 

Inventory financing can also be helpful for brands that want to receive volume-based discounts by placing larger orders to support all of their sales channels. This works best when done on a regular basis, such as quarterly, and can help to prevent stock-out issues that can stifle growth.

Inventory Financing with Kickfurther

Kickfurther offers an alternative approach tailored to the unique needs of CPG brands. By connecting businesses with a community of buyers who fund inventory, Kickfurther provides a platform where companies can secure up to 100% of their inventory costs with payment terms aligned to actual sales performance

Why Choose Kickfurther?

  • No Immediate Repayments: Repayments commence only after the inventory is sold, aligning cash outflows with revenue generation.
  • Non-Dilutive Capital: Businesses retain full ownership and control, as Kickfurther does not require equity stakes.
  • Off-Balance-Sheet Financing: Funding obtained through Kickfurther is not classified as debt, preserving the company’s balance sheet for future financing opportunities.
  • Rapid and Scalable Funding: The platform enables quick access to funds, allowing businesses to meet supplier deadlines and scale operations in response to market demand.

How Kickfurther Works:

  1. Funding Campaign: Businesses create a campaign on the Kickfurther platform, detailing their inventory needs and offering a profit margin to attract buyers.
  2. Community Investment: A community of buyers funds the inventory purchase, effectively becoming stakeholders in the product’s success.
  3. Inventory Acquisition: Once funded, the business receives the inventory to sell through its established channels.
  4. Repayment: As inventory sells, the business repays the buyers, including the agreed-upon profit margin, until the obligation is fulfilled.

This model ensures that repayments are directly tied to sales performance, reducing financial pressure and aligning incentives between the business and its backers.

Which Option is Better for Your CPG Brand?

Deciding between traditional financing and Kickfurther depends on various factors specific to your business:

  • Business Stage and Financial History: Established brands with solid financials might find bank loans accessible and beneficial. In contrast, newer brands or those with fluctuating sales may benefit from Kickfurther’s performance-based repayment structure.
  • Cash Flow Considerations: If maintaining steady cash flow is a concern, Kickfurther’s model offers flexibility by aligning repayments with sales, whereas traditional loans require fixed payments regardless of revenue.
  • Ownership and Control: Brands unwilling to dilute ownership or provide collateral may prefer Kickfurther, which offers non-dilutive capital without collateral requirements.
  • Urgency and Funding Speed: Kickfurther’s platform can provide quicker access to funds compared to the often lengthy approval processes of traditional bank loans.

Assessing your brand’s specific needs, financial health, and growth objectives will guide you in choosing the most suitable funding option. Embracing a solution that aligns with your cash flow and growth needs is essential for sustaining growth and achieving long-term success in the competitive CPG landscape

Unpacking Kickfurther’s 2025 CPG Annual Report

Posted on by Kaylyn Perry

The consumer packaged goods (CPG) industry is always evolving, and Kickfurther’s 2025 CPG Annual Report provides a snapshot of where things stand and where they’re headed in 2025. While we don’t want to spoil all the surprises (you’ll want to dive into the full report for that), here’s an overview of the key highlights, emerging trends, and practical tips for navigating the ever-changing CPG landscape.

Let’s dive into the highlights.

2024 Industry Trends and Challenges: Are You Ready to Tackle What’s Next?

In 2024, the CPG industry continued to grapple with inflation, labor shortages, and evolving consumer expectations. However, it wasn’t all doom and gloom. Brands that embraced innovation, sustainability, and data-driven strategies flourished, setting the stage for a promising future.

Key Achievements in CPG:

  • Growth Milestones: From revenue increases to market expansions, brands showcased resilience.
  • Innovation: Forward-thinking CPGs leveraged AI and data analytics to streamline operations and understand their customers better.
  • Sustainability: ESG (Environmental, Social, and Governance) claims became a driving factor for consumer choices, with products featuring these claims growing faster than those without.

Top Trends to Watch

  • Shifting Consumer Loyalties: Private-label products are gaining momentum as consumers look for value without compromising quality.
  • Funding Innovation: Brands are moving away from traditional loans and exploring options like revenue-based financing and inventory financing to support their growth.
  • AI and Automation: From inventory management to customer insights, technology is playing a pivotal role in reducing costs and improving efficiency.
  • Sustainability as a Strategy: Consumers are increasingly drawn to brands that reflect their values, with clean-label and eco-conscious products leading the way.

Challenges (and How to Tackle Them)

Here’s a look at 2024’s biggest challenges:

  • Inflation Pressures: Price sensitivity among consumers has forced brands to rethink their pricing strategies.
  • Labor Shortages: Many companies are addressing workforce challenges by investing in automation.
  • Regulatory Hurdles: New FDA regulations and sustainability expectations mean staying compliant is more important—and complex—than ever.

Opportunities on the Horizon: What’s Next for 2025

Are you prepared for growth opportunities in 2025? 

  • Innovation and New Product Launches: Don’t just innovate—be bold! Consumers are eager for genuinely new offerings that solve problems or add value.
  • Sustainability Leadership: Go beyond buzzwords. Authentic ESG initiatives resonate with today’s savvy shoppers.
  • Data-Driven Decision Making: With the rise of AI tools, even smaller brands can harness analytics to optimize margins and drive growth.

Partners in Growth: Collaboration as a Catalyst

Why go it alone when partnerships can scale your brand to new heights? Our 2025 report showcases real-world examples of brands that leveraged strategic collaborations to overcome challenges and achieve rapid growth as well as the service partners you need to add to your stack in 2025.

These stories highlight how aligning with the right partners—whether for funding, operations, or inventory management—can transform your brand’s growth journey. 

Conclusion

Our 2025 CPG Annual Report is more than a snapshot of the CPG industry. It’s a guide for navigating its complexities and capitalizing on its opportunities. With insights on industry trends, case studies of successful brands, and strategies for growth, this report is an essential tool for CPG businesses looking to innovate, adapt, and succeed in 2025.

Ready to learn more? Download the full 2025 CPG Annual Report and equip yourself with the insights to make 2025 your year of growth and innovation.

 

Is a Merchant Cash Advance Right for your CPG Brand?

Posted on by Kaylyn Perry

In 2024, consumer packaged goods (CPG) brands face a rapidly evolving funding landscape. Choosing the right funding strategy has become more critical than ever, as it directly impacts your brand’s ability to scale, meet demand, and remain competitive. Whether you’re looking to boost production, expand distribution, or enhance marketing efforts, securing the right type of funding—especially for inventory management—is key.

One financing option that has gained attention is the Merchant Cash Advance (MCA). While it offers quick cash, it’s not the best fit for every CPG brand. 

Let’s explore how an MCA works and its pros and cons.

 

What is a Merchant Cash Advance?

A merchant cash advance provides a lump sum of cash in exchange for a portion of your future sales. Unlike traditional bank loans, MCAs don’t require collateral and have a much quicker approval process. Lenders assess your sales—typically through credit card receipts—to determine how much you qualify for and how quickly you can repay the advance.

This funding is often repaid daily or weekly through a percentage of your sales, known as a “holdback.” While this may seem convenient, it can create challenges for brands with seasonal or fluctuating sales.

 

Is a Merchant Cash Advance Right for Your CPG Brand?

In 2024, consumer packaged goods (CPG) brands face a rapidly evolving funding landscape. Choosing the right funding strategy has become more critical than ever, as it directly impacts a brand’s ability to scale, meet demand, and remain competitive. Whether you’re looking to boost production, expand distribution, or enhance marketing efforts, securing the right type of funding—especially for inventory management—is key.

One financing option that has gained attention is the Merchant Cash Advance (MCA). While it offers quick cash, it’s not the best fit for every business. Let’s explore how an MCA works, its pros and cons, and why alternatives like Kickfurther might better suit your CPG brand’s needs.

Pros and Cons of MCAs for CPG Brands

Pros

  1. Fast Cash Access: MCAs provide funding quickly, making them useful for covering urgent expenses like increased production costs, unexpected repairs, or marketing pushes.
  2. Credit Flexibility: MCAs are generally available to businesses with less-than-perfect credit scores.
  3. No Collateral Required: You don’t need to risk your business assets to secure funding.

Cons

  1. High Costs: MCA fees—called “factors”—are significantly higher than traditional loan interest rates, leading to a higher overall repayment amount.
  2. Impact on Cash Flow: The daily or weekly holdback can strain your cash flow, especially during slow sales periods.
  3. Short Repayment Periods: The need to repay quickly can create financial pressure, leaving little room to reinvest in growth.

 

Is an MCA Right for your CPG Brand?

While MCAs can provide quick cash, they may not be the best option for every CPG brand. They work well for businesses with steady, high-volume sales and short-term funding needs. However, if your brand experiences seasonal sales fluctuations or operates on thin margins, an MCA could lead to financial strain.

Do you have a MCA term sheet? Use our MCA Calculator to discover the true cost of your MCA.

FIND THE TRUE COST OF MY MCA (1)

Instead, CPG brands should consider alternatives that align better with their long-term growth strategies and inventory cycles.

Inventory Financing: An Alternative to MCAs

Inventory financing allows CPG brands to leverage the resources of a financing partner to pay for inventory production. This type of financing is especially helpful for brands that experience significant delays between paying for inventory and receiving payment from future sales.

With inventory financing, the products produced act as the collateral for the financing, which means that if your brand reports an inability to repay the funding, the inventory can be sold to cover the debt. This can provide a level of security for the financing partner, which can result in more favorable terms for the brand.

One of the key benefits of inventory financing is that it can be customized to address your business’s exact manufacturing, shipping, and sales timelines. Some providers even offer payment terms that align with natural cash flow cycles, meaning that no payment is required until your inventory sells. This can help to improve your cash flow and reduce the risk of running out of working capital.

Inventory financing can also be helpful for brands that want to receive volume-based discounts by placing larger orders to support all of their sales channels. This works best when done on a regular basis, such as quarterly, and can help to prevent stock-out issues that can stifle growth.

 

Inventory Financing with Kickfurther 

For physical product companies (CPG companies), or those producing shelf-stable consumables, a growth funding option that provides larger amounts than traditional financing and at faster speeds is inventory funding with Kickfurther.

Kickfurther funds up to 100% of your inventory costs on flexible payment terms that you control. Kickfurther’s unique funding platform can fund your entire order(s) each time you need more inventory, so you can put your capital on hand to work growing your business without adding debt or giving up equity.

Why Kickfurther? 

No immediate repayments: You don’t pay back until your product sells and you control your repayment schedule. 

Non-dilutive: Kickfurther doesn’t take your equity.

Not a debt: Kickfurther is not a loan, so it does not put debt on your books, which can sometimes further constrain your access to additional capital providers and diminish your valuation if you approach venture capital firms.

Quick access: You need capital when your supplier payments are due. Kickfurther can fund your entire order(s) each time you need more inventory.

Interested in inventory funding through Kickfurther? See how much capital you can access by creating an account today at Kickfurther.com!

Conclusion

Funding is the lifeblood of any growing CPG brand. While MCAs might seem appealing for their speed, they often come with high costs and rigid repayment terms that don’t align with the unique challenges of the CPG industry. Alternatives like Kickfurther offer a smarter, more flexible way to fund inventory and drive growth.

Before deciding on any funding option, take the time to evaluate your brand’s cash flow, sales patterns, and growth goals. The right funding strategy will empower you to scale sustainably while maintaining control of your business’s future.

Learn more about how Kickfurther can help your CPG brand grow here.