Best Purchase Order Financing Companies 2026 | CPG Guide

Purchase order (PO) financing solves this by paying your supplier directly, letting you fulfill orders without depleting working capital or giving up equity. But the PO financing market is fragmented. Rates, minimums, funding speed, and CPG experience vary widely across lenders.

This guide ranks the best purchase order financing companies in 2026 for CPG brands and retail suppliers, with a focus on the criteria that matter most: rates, funding speed, minimum order sizes, retail expertise, WIP financing, and international supplier support.

Updated October 2026.

Quick comparison: top PO financing companies for CPG brands in 2026

Rates reflect each company’s published figures, Finder’s 2026 PO financing lender review and Slope’s PO financing page. Actual terms depend on transaction size, customer creditworthiness, and deal complexity. These are starting points, not guarantees.

Company profiles: what each PO financing lender offers

Bridge

Bridge is the official financing partner behind Walmart’s Purchase Order Financing Program and funds production for consumer brands with its own capital. Facilities run from $50K to $10M and cover up to 100% of production costs. Rates start at 1.1% per month for Walmart and Sam’s Club orders and run to about 2.3%, depending on the deal; a $500,000 production run financed at 1.5% per month for three months costs about $22,500. Our capital goes straight to your vendors so production starts on schedule, and the financing is repaid when your retailer pays. Brands can request financing for an upcoming purchase order, and there is no cost to see terms.

Request financing

Star Funding

Star Funding, based in New York City, has specialized in purchase order financing and factoring for over 25 years. In a Q&A published on Bridge, Star Funding’s Avi Levine explained that rates typically fall between 1.5% and 3% per 30-day period, determined by transaction size, duration, margin, and logistics complexity.

Star Funding handles both PO financing and factoring in-house, which eliminates the need to coordinate with a separate A/R factor after goods ship. They also offer work-in-process (WIP) financing, covering raw material and component costs when products require assembly before delivery.

For CPG brands supplying Walmart or other major retailers, this combined capability means a single lender manages the full cycle from production through invoice collection.

King Trade Capital

King Trade Capital (KTC) describes itself as the largest PO finance company in the United States. Based in Dallas, KTC focuses on small to middle-market companies and handles both domestic and international transactions, including letters of credit for overseas production.

KTC recently funded a $2.1 million PO facility for a dry baked goods manufacturer and a $3 million facility for a licensed apparel company scaling to meet retail demand. KTC often works alongside existing factors or asset-based lenders, structuring PO finance as a complement rather than a standalone product. Their minimum transaction size skews toward larger deals ($250K+), which suits established CPG brands shipping to national retailers.

Southstar Capital

Based in Charleston, South Carolina, Southstar Capital offers 100% financing on purchase orders with a transition to accounts receivable financing once goods are delivered and invoiced. That transition reduces the borrower’s cost since A/R factoring rates are lower than PO financing rates.

Fit Small Business’s 2026 comparison lists Southstar’s starting fees from 1%. Southstar has published CPG-specific case studies, including a $500K PO and A/R facility for a consumer brand scaling into retail distribution. Their funding timeline is typically 2 to 5 days from approval.

Liquid Capital

Liquid Capital offers PO financing that covers up to 100% of cost of goods in transit. Approved customers can receive funding in under 24 hours, according to their website, making them one of the faster options when production timelines are tight.

Liquid Capital’s PO financing typically works in combination with their A/R factoring solution, similar to Star Funding’s model. However, their WIP financing capabilities are more limited, and their rates (2–4% per 30 days) sit at the higher end of the range. The speed advantage matters most for brands that already have goods produced and need transit or logistics funding quickly.

1st Commercial Credit

1st Commercial Credit has provided PO financing for over 20 years, with published rates from 1.5% to 5% per 30-day period. They accept smaller transactions than many competitors, making them a viable option for emerging CPG brands with modest initial orders.

They also handle factoring in-house and recently surpassed $7 million in small PO financing transactions. Their transparent rate publication (1.5–5% range on their website) is a plus in an industry where many lenders require a conversation before disclosing any pricing.

SMB Compass

SMB Compass is a broader business financing company based in Rye, New York, offering nine loan programs including PO financing. Their strength is breadth: if a CPG brand needs PO financing now and an SBA loan or equipment financing later, SMB Compass can serve multiple needs. The trade-off is less PO-specific expertise compared to dedicated PO finance companies. Their international supplier capabilities are limited compared to specialists like King Trade Capital.

PurchaseOrderFinancing.com

Based in Chicago and operating since 2002, PurchaseOrderFinancing.com focuses on domestic and international transactions in the $500K to $25 million range. They fund both finished goods and import/export transactions, with experience across cross-border supply chains. Their minimum deal size ($500K) puts them out of reach for earlier-stage brands, but their international capabilities make them worth considering for CPG brands sourcing from overseas manufacturers.

Slope

Slope offers purchase order financing to Walmart and Sam’s Club suppliers, advancing up to 50% of the purchase order at published rates of 0.75% to 12% per month, with funding in 1 to 2 days. Applicants need $100K in annual revenue and two years as a Walmart supplier, according to Slope’s PO financing page.

How to evaluate the best purchase order financing companies for CPG brands

Not every lender is the right fit for a CPG business selling into retail. Here are the criteria that separate a useful PO financing partner from a poor match.

Rates and total cost

PO financing fees typically range from 3% to 6% per month. Those fees compound. On a $200,000 supplier payment at 3% monthly, you pay $6,000 if Walmart pays in 30 days but $12,000 if they pay on Net 60. With Bridge, a $500,000 production run financed at 1.5% per month for three months costs about $22,500. Always calculate total cost based on your retailer’s actual payment timeline, not just the headline rate.

Ask whether the lender also handles A/R factoring. When one company manages both the PO finance and the post-delivery factoring, the transition typically reduces your effective rate since factoring fees are lower than PO financing fees.

Funding speed

Some lenders fund in 24 hours; others take 5 to 10 business days. Speed matters most when you’re racing a production deadline. If your co-packer needs a deposit within a week of receiving the PO, a lender with a 10-day approval process won’t work. Confirm timelines for both initial setup (first deal) and subsequent transactions, since the first deal always takes longer.

Minimum order sizes

Minimum deal sizes vary from $50K to $500K+. This is a common disqualifier for emerging CPG brands landing their first Target or Costco order at a modest scale. If your initial PO is $75,000, half the companies on this list won’t take the deal.

CPG retail expertise

A lender that understands retailer payment terms, OTIF compliance penalties, slotting fees, and chargebacks will structure deals that account for those realities. A generalist lender may offer competitive rates but underwrite your deal using criteria that miss CPG-specific risks. Ask prospective lenders which retailers they’ve worked with and whether they understand the difference between a Walmart replenishment PO and a new-item setup.

WIP financing

If your product requires assembly, manufacturing, or co-packing from multiple component suppliers, you need a lender that offers work-in-process financing. WIP PO financing covers raw material and component costs across multiple vendors before the final product is assembled. Star Funding explicitly offers WIP financing; many lenders only fund finished goods.

Domestic vs. international supplier support

CPG brands sourcing from overseas manufacturers need a lender comfortable with international transactions, letters of credit, and longer supply chain timelines. International PO financing carries added complexity (currency risk, shipping delays, inspection requirements), and not every domestic lender handles it. Confirm whether the lender has direct experience with your specific supplier countries.

How we ranked this list

Bridge publishes this list and ranks itself first. We fund production for consumer brands with our own capital, and we weight that most heavily for CPG brands because the money goes to your vendors without a lender search in between. The other companies are ranked on published rates, minimums, funding speed, WIP financing and international supplier support, using their own websites and third-party reviews.

FAQs

What are typical purchase order financing rates in 2026?

PO financing fees typically range from 3% to 6% per month, depending on transaction size, customer creditworthiness, and deal complexity. When converted to an annual percentage rate, PO financing often exceeds 20% APR, according to Finder.

However, PO financing is short-term and transaction-specific, so comparing it to a traditional loan APR is misleading. The relevant question is whether the financing cost is lower than the profit margin on the order.

Can startups or early-stage CPG brands qualify for PO financing?

Yes. PO financing approval depends primarily on your customer’s creditworthiness, not your company’s financial history. If you have a purchase order from a major retailer like Walmart or Target, many lenders will consider the deal based on the retailer’s payment reliability. Some lenders have minimum deal sizes ($250K+), so emerging brands should look for companies that accept smaller transactions.

What is the difference between PO financing and invoice factoring?

PO financing provides capital before goods ship, paying your supplier directly so production can begin. Invoice factoring (A/R factoring) provides capital after goods ship, advancing cash against the resulting invoice. Many PO financing arrangements transition to factoring once goods are delivered and invoiced, which reduces cost since factoring rates are lower.

How fast can I get funded with PO financing?

Initial deal setup takes 2 to 10 business days depending on the lender and deal complexity. Some lenders like Liquid Capital can fund approved customers in under 24 hours for subsequent transactions. Bridge issues loan terms within 48 hours of a complete submission, subject to underwriting.

Does Bridge charge CPG brands to see terms?

No. There is no cost to request financing or see terms from Bridge.