This Is Why You're Here
Why Food & Beverages Come to Us Instead of Their Bank
Costco wants to carry your product — 5,000 units/month. Initial production, packaging, and slotting fees cost $120K. This is a career-defining order but the upfront capital is massive.
Your bottling line is running at 85% capacity. A $180K upgrade would double throughput and reduce per-unit costs by 15%. Every month you wait, you’re leaving $12K on the table.
A key ingredient supplier raised prices 20%. Your committed orders total $200K in product. You need $40K in extra working capital to absorb the increase and fulfill orders.
Your walk-in freezer compressor died on a Friday afternoon. $14K repair, plus $35K in perishable inventory at risk if it’s not fixed by Monday. Your insurance deductible is $5K and the claim takes 30 days.
A regional grocery chain wants a private-label run — 10,000 units at $8 each. Co-packing, labels, and ingredients cost $55K upfront. They pay net-45 after delivery. That’s a $25K profit you can’t afford to pass on.
Whole Foods approved our hot sauce line — 2,000 units a week. We needed $135K for a bottling line upgrade and co-packing deposits. Basecamp had the funds in our account in 3 days.
Maria S., Food Production Owner, Austin, TX
Food & Beverage Financing
Get Your Food & Beverage Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Built for Your Business
Why Food & Beverage Businesses Choose Basecamp
Retail Orders Can't Wait for Banks
Costco says yes and you've got 30 days to ramp production. Slotting fees, co-packing deposits, ingredient inventory — $120K upfront. Your bank takes 3 weeks just to review. We fund in days.
We Understand Perishable Inventory
Your ingredients spoil. Your finished product has a shelf life. Banks treat food inventory like furniture inventory. Our lenders understand FIFO, cold chain, and why you can't sit on $80K in raw materials for 6 months.
FDA Compliance Doesn't Pause for Cash Flow
A $40K FSMA upgrade or HACCP recertification isn't optional. Fail it and you shut down. We fund compliance costs fast enough to meet inspection deadlines.
Seasonal Production Gets Real Funding
Holiday runs, summer beverage spikes, harvest season — you need $150K in ingredients 90 days before the revenue shows up. Our lenders underwrite around seasonal cycles, not against them.
What You're Up Against
The Real Challenges Food & Beverages Face
Pricing Transparency
What Food & Beverage Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Food & Beverages
Finance the equipment. Keep your cash. Take the deduction. Your bottling/canning line costs $108,000 after taxes and you never touched your reserves.
— Bobby Friel, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Food & Beverage Capital Uses
What Food & Beverage Businesses Use Funding For
Equipment & Machinery
CNC machines, lathes, presses, conveyors, welders. Finance upgrades without draining cash reserves.
Raw Materials & Inventory
Steel, resin, lumber, components. Lock in bulk pricing and fill large orders without cash crunches.
Facility Expansion
New production lines, warehouse space, cold storage. Scale your footprint to match demand.
Workforce & Hiring
Skilled operators, engineers, floor supervisors. Staff up for large contracts and seasonal surges.
Technology & Automation
Robotics, ERP systems, IoT sensors, AI quality control. Invest in Industry 4.0 without cash strain.
Supply Chain Resilience
Dual-source suppliers, safety stock, domestic reshoring. Protect against disruptions and tariff exposure.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your food & beverage business?
Commercial insurance is required for most equipment loans over $50K. InsuranceService365.com covers manufacturers across 29 states.
Don't Wait Until You Need Funding to Get Funded
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
See What Your Food & Beverage Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Other Manufacturers Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Food & Beverage Businesses
Working Capital
Fund raw materials and payroll before customer payment arrives.
Learn More →Equipment Financing
Finance CNC machines, presses, and production equipment — asset-backed.
Learn More →Invoice Factoring
Convert net-30/60/90 invoices into same-day cash.
Learn More →Business Line of Credit
Draw for materials and tooling as production orders fluctuate.
Learn More →FAQs
Food & Beverage Business Loan FAQs
Food & Beverage Manufacturing Loans — $10K to $10M+
Costco calls and wants 5,000 units a month. That's the best day of your life — until you do the math. Slotting fees, co-packing deposits, $80K in ingredient inventory, a $180K bottling line upgrade. And they pay net-60. So you need $250K before you see a dime. Banks hear "food manufacturing" and start asking about spoilage risk. Our lenders hear it and ask about your retailer contracts. Big difference.
Food and beverage is brutal on cash flow. Ingredients are perishable, production runs are expensive, and your biggest customers pay the slowest. But a $150K bottling upgrade that doubles throughput? That pays for itself in 8 months. A $40K FSMA compliance upgrade that keeps your plant open? Not optional. We connect you with 70+ lenders who fund food manufacturers daily. $25K ingredient orders to $2M facility buildouts. One application. 60 seconds. No credit impact.
Stop Waiting on Banks. Get Your Food & Beverage Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide