The best PO and inventory financing companies for CPG brands (2026)

Ten companies are worth comparing in 2026 if you need to fund a CPG brand's purchase orders or inventory, and the difference that matters most is who repays the money: your retailer, your sales, or a fixed schedule. Spring is first on our list for brands that sell to retailers, because its purchase order financing pays your supplier against the order and the retailer's payment settles it, at 12% to 36% a year.

We are Spring, so we ranked ourselves first. The other nine are ranked by how closely their repayment follows a retail order: first those your retailer or customer repays, then fixed schedules, then funding built for online sales. Everything about them comes from their own public pages, read in October 2026 and footnoted at the end. One naming note: Bridge, the company at bridge.co, has no connection to Spring's Bridge Funding. None of this is legal or financial advice.

Which PO and inventory financing companies are best for CPG brands?

Question	Published size and price	Repaid by
1. Spring	Up to 60% of an order's costThen the invoice, when you ship. 12% to 36% a year	Your retailerWhen it pays the invoice
2. Bridge	$50K to $10M1, 2Up to 100% of eligible cost of goods. 1.5% to 2.3% a month	Your retailerWhen it pays you
3. Star Funding	Up to 100% of cost of goods32% to 4% per 30 days in its FAQ, plus bank fees	Your customerAs the order is paid
4. SouthStar Capital	100% of an order, no stated cap4Pricing set per client	Your customerThrough the invoice it advances
5. Wayflyer	Up to $20M5One fixed fee, agreed up front	You, on a scheduleFortnightly or monthly instalments
6. Settle	$20K to $15M6Simple interest on the balance; rate not published	You, on a schedule30 days, extendable to 180
7. Kickfurther	Up to 100% of inventory, to $5M7A funding fee plus a monthly consignment fee	You, as stock sellsNothing due until you start selling
8. Assembled Brands	$1M to $25M credit lines8Rates not published	You, over the facilityFacilities average 12 to 48 months
9. 8fig	Up to 90% of supply chain costs9, 10Fees not published	You, on a scheduleTied to your supply chain spending
10. Clearco	Typical fees of 3.5% to 12%11, 12One flat fee per advance	You, weeklyCapped weekly payments

The right-hand column is the one to read first. Funding repaid by your retailer cannot fall due before the retailer pays. Funding repaid by you, weekly or monthly, can, which is fine for a brand selling mostly online and a cash squeeze for one waiting out net 60. How each Spring product works is on its own page: purchase order financing, invoice factoring and demand plan financing.

Which company fits which kind of brand?

1. Spring

For brands selling to retailers and distributors on net terms: Walmart, Costco, Target, Kroger, UNFI, KeHE. Purchase order financing pays your supplier up to 60% of the order's cost; when you ship, invoice factoring tops it up to your advance rate for that retailer, and the retailer's payment settles both. Demand plan financing funds production against a retailer's demand plan before the order arrives, and you repay it monthly. The price is 12% to 36% a year, charged only on the days the money is out. What we ask of you: a Notice of Assignment for every product except Bridge Funding, and your first funding waits until the retailer acknowledges it. What a NOA is.

2. Bridge

Bridge funds production for consumer brands and says it is the capital behind Walmart's Purchase Order Financing Program. It publishes $50K to $10M, up to 100% of eligible cost of goods, and rates of generally 1.5% to 2.3% a month, with better pricing for Walmart and Sam's Club suppliers; repayment comes when the retailer pays.¹ It says you do not need a confirmed purchase order to apply.² Fits a Walmart supplier who wants the whole production run covered.

3. Star Funding

Star Funding funds up to 100% of the cost of goods behind a creditworthy purchase order, often through a letter of credit to your supplier, and handles the factoring in-house. Its FAQ quotes 2% to 4% per 30 days (its summary box says 2% to 3%), plus letter-of-credit and bank charges.³ At the FAQ's range that is roughly 24% to 48% a year. Fits an importer whose supplier wants a letter of credit.

4. SouthStar Capital

SouthStar Capital offers 100% purchase order financing with no stated cap for distributors, wholesalers, importers and manufacturers. After delivery the facility becomes an advance on your invoice, less its fee; it quotes approval and funding in days and sets pricing per client.⁴ Fits a product business selling to other businesses as well as retailers.

5. Wayflyer

Wayflyer sells wholesale financing up to $20M for brands in physical retail, priced as one fixed fee and repaid in set instalments, built for a 30 to 120 day gap.⁵ It asks for $250,000 in annual sales and distribution through at least one brick-and-mortar retailer. Fits a brand that wants money within a day and can carry an instalment that may land before the retailer pays.

6. Settle

Settle offers working capital to consumer brands: $20K to $15M, paid to your vendors or to you, repaid in 30 days and extendable to 180, as simple interest on the balance.⁶ It asks for a year of operating history and $500,000 in trailing revenue. Fits a brand selling across Shopify, Amazon, Faire and retail that wants a short, extendable line for supplier bills.

7. Kickfurther

Kickfurther funds up to 100% of an inventory order, up to $5 million, from a community of buyers who consign the stock to you; you repay as it sells, and nothing is due until it does.⁷ It asks for $200,000 in trailing revenue. Fits stock built ahead of demand that no retailer has ordered yet. We compared it with Spring in detail: consignment inventory funding vs PO financing.

8. Assembled Brands

Assembled Brands offers growth lines of credit from $1M to $25M, backed by inventory, for food and beverage, beauty, apparel and home brands, with an average facility of 12 to 48 months.⁸ Fits a brand past a few million in revenue that wants one line all year rather than funding order by order. More on that trade-off: asset-backed credit.

9. 8fig

8fig funds up to 90% of an online seller's supply chain costs, inventory included, with a remittance schedule tied to your supply chain spending.⁹ It asks for $100,000 in annual revenue and, depending on the page, six months to a year of trading, and says it makes an offer within about 24 hours.¹⁰ Fits an online seller planning several inventory orders a year.

10. Clearco

Clearco funds online brands: a cash advance repaid in capped weekly payments, and Invoice Funding, which pays bills you owe your suppliers.¹¹ Its typical fees run from 3.5% to 12% of the advance.¹² Fits a brand with more than $100,000 a month in direct-to-consumer revenue. Our arithmetic on what a weekly-repaid fee costs a year: ecommerce funding vs invoice factoring.

What should you ask any PO financing company before you sign?

1. What does it cost per year? A monthly rate times twelve, or a fee divided by the time the money is really out.
2. Who repays, and when? Your retailer, your sales, or a schedule that ignores both.
3. Who gets paid: your supplier or you?
4. What happens if the retailer pays a month late?
5. Who is told, and who else holds a claim on your inventory and receivables?

Ask them of us too.

Frequently asked questions

What is the best purchase order financing company for a CPG brand selling to Walmart, Costco or Target?

For a brand selling to retailers on net terms, the best fit is funding the retailer repays. Spring pays your supplier up to 60% of the order's cost, tops it up when you invoice, and is repaid when the retailer pays, at 12% to 36% a year. Bridge funds Walmart and Sam's Club suppliers, also repaid when the retailer pays. Star Funding and SouthStar Capital fund up to 100% of an order for importers and distributors.

Spring vs Bridge: which is better for a Walmart purchase order?

Both are repaid when Walmart pays. Bridge publishes up to 100% of eligible cost of goods at generally 1.5% to 2.3% a month. Spring pays your supplier up to 60% of the cost, advances on the invoice when you ship, and charges 12% to 36% a year on the days the money is out. Spring needs a Notice of Assignment, and your first funding waits on Walmart acknowledging it.

Is Kickfurther or Settle better than PO financing?

They fund different things. Kickfurther funds inventory and is repaid as it sells, which suits stock no retailer has ordered yet. Settle provides working capital for inventory and supplier payments, repaid on a 30 to 180 day schedule. Purchase order financing funds a retailer's order and is repaid by the retailer. Compared in detail.

Can Wayflyer or Clearco fund a retail order?

Wayflyer sells wholesale financing for brands with at least one physical retailer, repaid in set instalments. Clearco funds online brands and is repaid weekly. Either can pay for inventory, but neither waits for your retailer to pay, so an instalment can fall due before the retailer's money arrives.

Can I get 100% purchase order financing?

Yes. Bridge, Star Funding and SouthStar Capital each publish up to 100% of an order's cost, and Kickfurther up to 100% of an inventory order. Spring funds up to 60% of the cost before you ship and the rest of your advance when you invoice.

Does inventory financing for a food or beverage brand need a retailer order?

Not always. Kickfurther, 8fig and Assembled Brands fund inventory without a retailer order. Purchase order financing needs one, and demand plan financing funds production against a retailer's demand plan before the order arrives.

If you have a retailer order to fill, get started or talk to the team.

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¹ Bridge, Walmart purchase order financing, read October 2026.

² Bridge, Purchase order financing, read October 2026.

³ Star Funding, Purchase Order Funding, read October 2026. The yearly figure is our arithmetic: the monthly rate times twelve.

⁴ SouthStar Capital, Purchase Order Financing, read October 2026.

⁵ Wayflyer, Wholesale financing, read October 2026.

⁶ Settle, Working Capital, read October 2026.

⁷ Kickfurther, Inventory Funding Built for CPG Brands, read October 2026.

⁸ Assembled Brands, home page, read October 2026.

⁹ 8fig, Inventory financing, read October 2026.

¹⁰ 8fig, home page, read October 2026.

¹¹ Clearco, Ecommerce funding, read October 2026.

¹² Clearco, Why Clearco, read October 2026.