This Is Why You're Here
Why Food & Beverages Come to Us Instead of Their Bank
A regional grocery chain awarded you a distribution contract — $80K/month in recurring orders. Initial cold storage stocking and route setup cost $150K. They pay net-45.
Your refrigerated delivery truck needs a new compressor unit — $18K repair. Without it, you lose 3 restaurant routes worth $12K/week in revenue.
A seasonal demand spike for beverage products means you need $100K in extra inventory before summer. Your supplier wants prepayment during peak season.
Your walk-in cooler compressor failed on a Friday night — $22K replacement. You've got $180K in perishable inventory that'll spoil by Monday if the temp isn't back down by Saturday morning.
A national restaurant chain wants you to supply 40 locations — $35K/month recurring. But their purchasing dept requires a $90K initial product stocking across all sites before the first PO drops.
We landed a $180K contract with a regional grocery chain but needed $95K for cold storage inventory upfront. Basecamp got us funded in 2 days — we filled the order and locked in a 3-year renewal.
Marcus T., Food Distribution Manager, Milwaukee, WI
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
Cold Chain Gaps Kill Your Margins
Your compressor dies on a Thursday and $40K in frozen product is at risk. Banks don't do emergency funding. We get you the $18K repair capital in 24 hours so you don't lose a truckload of inventory.
Net-45 Grocery Terms Drain Your Cash
You delivered $80K in product to a grocery chain three weeks ago. They won't pay for another 25 days. But your produce supplier wants COD on Monday's shipment. We bridge that gap same-day.
Route Expansion Without the Wait
You landed 12 new restaurant accounts but need a second refrigerated truck to service them. That's $65K sitting in a bank approval queue while your competitors pick up the routes.
Perishable Inventory Waits for Nobody
Summer hits and your beverage orders triple. Your supplier wants prepayment during peak season. You need $100K in product that expires in 90 days. Slow funding means spoiled inventory and lost shelf space.
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 →Food distributors live and die by fill rates. I've seen a $95K working capital advance turn into a $180K recurring grocery contract — that's the math that matters. If you've got the purchase order, we'll get you the inventory capital.
— 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
Working Capital & Cash Flow
Bridge the gap between paying suppliers and collecting from customers. Keep operations running.
Inventory & Purchase Orders
Fund large inventory buys. Fill purchase orders without draining your cash reserves.
Warehouse & Facility
Expand warehouse space, add racking, or purchase a facility with SBA financing.
Fleet & Delivery
Finance delivery trucks, vans, and logistics equipment to expand your delivery radius.
Invoice Factoring
Convert net-30/60/90 receivables into cash in 24 hours. Stop waiting on slow-paying customers.
Import & Export
Bridge ocean transit cash gaps. Finance containers, customs bonds, and international freight.
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?
Inventory and warehouse insurance is required for most business loans. InsuranceService365.com covers distribution companies 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 Wholesale & Distribution Companies Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Food & Beverage Businesses
Working Capital
Fund inventory purchases and warehouse costs. Funded in 24 hours.
Learn More →Invoice Factoring
Get paid on customer invoices today instead of waiting 30-60 days.
Learn More →Business Line of Credit
Revolving access for inventory replenishment and seasonal buys.
Learn More →Equipment Financing
Finance forklifts, racking, and warehouse equipment — asset-backed.
Learn More →FAQs
Food & Beverage Business Loan FAQs
Food & Beverage Distribution Loans — $10K to $10M+
Look. Food distribution is a brutal cash flow business. You're buying perishable product on Monday, delivering it by Wednesday, and the grocery chain doesn't pay you for 45 days. And your supplier? They want COD during peak season. That 45-day gap eats distributors alive. We've funded over $8M to food and beverage wholesalers — cold storage stocking, reefer truck repairs, seasonal inventory surges. Same-day available.
Here's the thing. Your product has a shelf life. Your funding shouldn't take longer than your yogurt lasts. We match you with 70+ lenders who actually understand food distribution. $20K produce order or a $500K cold chain expansion — 60-second application, no hard credit pull, and we don't waste your time with bank committees.
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