Bridging net 60 and net 90 receivables
Pull capital to cover payroll and operating costs while large retailer invoices clear.
Bridge the Gap Between Production Costs and Retailer Payment Cycles.
Net 60 and net 90 receivables are the silent killer of beverage distribution. A flexible line of credit up to $1.5M keeps production running and trucks rolling.
Capital sized for the receivables-heavy beverage business.
Bottlers, co-packers, and beverage distributors operate on a punishing capital cycle. You front raw materials, labels, caps, and labor. Then you wait on retailer payment cycles that can stretch to 90 days. Meanwhile, fleet costs, warehouse rent, and payroll do not wait. The fastest-growing distribution operations are the ones with capital to keep production fully loaded while receivables clear.
Commercial Capital Connect provides bottlers and distributors a working capital line of credit up to $1.5 million. Use it to bridge receivables, expand co-packing capacity, fund fleet additions, or stock up on raw materials when pricing is favorable. Interest-only options keep monthly costs low. Same-day approvals mean you can move when opportunities surface.
Raw material and packaging bulk buys
Take advantage of volume pricing on cans, bottles, labels, and ingredients without straining cash flow.
Co-packing equipment and line expansion
Add fillers, cappers, labelers, and pasteurization equipment to expand contract capacity.
Refrigerated fleet expansion
Fund refrigerated trucks, route additions, and DOT-compliant fleet maintenance.
Warehouse and cold storage expansion
Lease and build out warehouse space, racking, dock equipment, and cold storage capacity.
Basic line of credit review criteria
These are baseline review items, not an approval, offer, or commitment to lend.
- Estimated Equifax score of 575 or higher
- Operating at least 30 days
- About $17,000+ in average monthly revenue
- Active commercial business location
- 0 to 2 active cash advances preferred
Why Commercial Capital Connect
CCC is a boutique business funding source, not a direct lender. One application can help compare potential options through our boutique funding network.
Built for receivables-heavy businesses
We understand long retailer payment cycles. Your AR is an asset, not a problem.
No daily debits to disrupt cash flow
Unlike MCAs, this line of credit does not sweep your account daily or tie to your card processor.
Pay off existing high-cost debt
Refinance up to two existing cash advances or short-term loans as part of structuring the new line.
Quick draws for time-sensitive buys
Once the line is established, draws can land in your account in as little as 24 hours.
Bottling & Distribution Companies funding FAQ
Does my distribution territory need to be a certain size?
No. Whether you are regional or multi-state, what matters is consistent revenue, time in business, and credit profile.
Can the line fund a co-packing contract mobilization?
Yes. Funding raw materials, packaging, and labor to execute a new co-packing contract is a textbook use of the line.
I have receivables from major retailers. Does that help my approval?
Strong receivables from creditworthy retailers are a positive signal. While not required for approval, they can support higher line amounts.
Can I use the line to fund a new beverage brand launch?
Yes. Brand launches, including initial production runs, label design, slotting fees, and trade marketing, are eligible uses.
What if my revenue is seasonal?
Seasonality is expected in beverage. We underwrite on trailing average monthly revenue, not single-month performance.