Paragon Financial Group is funding during the COVID-19 crisis.

Beer, Wine and Spirits

Beer, Wine, and Spirits Financing through Invoice Factoring, PO Funding, Import, and Accounts Receivable Financing

For years, Factors have been financing the beer, wine, and spirits industry through Non-Recourse Invoice Factoring, Purchase Order Funding, Import Financing, and Vendor Guarantees. Also, factors understand state and federal laws and financing alcohol sales. There are factoring companies that are start-up friendly with typical client funding of $30,000 to $10,000,000 per month to their B2B or B2G customers.

  • State and federal spirit law expertise
  • An understanding of the nuances of the Beer, Wine and Spirits Industry
  • Financing Wine, Beer, and Spirits
  • Get up to 90% of your invoice advanced
  • Factors Provide Credit Protection
  • Increase Your Working Capital
  • Factors Will Work with Clients who have IRS Tax Issues & Client Concentration
  • Accounts Receivable Management
  • Import Financing & Non-Recourse Receivables Financing
  • Financing Alcohol Imports and Sales
  • Wine Inventory Financing
Beer, Wine, and Spirits Financing

Beer, Wine and Spirit Financing

With bulk financing beer, wine, and spirits, business owners have a difficult time getting business loans for their working capital needs. Besides, even if alcohol importers have superior products and a good distribution platform, then it is often challenging for producers/importers to fund monthly operations since working capital is tied up in accounts receivables and inventory. Thus, payment schedules of distributors lag the expense schedules of producers.

For many years, factoring companies have been helping with the working capital needs of the beer, wine, and spirits industry financing. Besides, factors understand the ins and outs of your industry. Thus, these factoring companies want to help you with your working capital needs. They promptly provide beer, wine, and spirits entrepreneurs a stable stream of cash through the invoice factoring of their account receivables. Thus, waiting 30-60+ days for payment of an invoice ties up your working capital.

By receiving payment immediately upon invoicing, through a factoring program, you will have the money to meet payroll, grow your company, and pay suppliers. They’ll wait for your customer to pay. In the simplest terms, factoring means they will provide you with an advance of you up to 90% of the invoice amount immediately and provide the remaining balance when your clients settle in full.

How Does Invoice Factoring Work?

  • 1st: Your alcoholic beverage company provides goods or services to creditworthy customers and then invoices them with a copy sent to a factor.
  • 2nd: The factor will fund your business with an immediate payment of 70%-90% of the received amount.
  • 3rd: Customers make payment directly to the factor according to the terms of the invoice, and the factor returns the balance of the paid invoice to you minus a fee.

For further details, please read, “What Is Invoice Factoring ?

What Are The Advantages of Factoring Beer, Wine, and Spirits Company?

  • Improve Cash Flow Without Additional Debt
  • Client Credit Services
  • Control Your Accounts Receivable
  • Flexibility with Import Financing, too
  • Factors work with the non-bankable
  • Available Cash Lets You Win More Business And Get Discounts From Suppliers
  • Factors can work with companies that have IRS tax liens and other issues
  • Factors can handle client concentration. Most lenders cannot.

For further details, please read, “What is purchase order financing?

How Can My Beer, Wine, and Spirits Business Qualify For Factoring?

Who can afford to wait 45, 60, or 90 days to receive the payment from your large commercial customers and importers? Also, factoring companies look at your customer’s ability to pay, not your credit. Also, financing provides you the working capital your company needs. To qualify for Financing Beer, Wine, and Spirits business, you need:

  • Creditworthy Business Customers
  • Proof of Work Completed or Product Delivered
  • Decent Profit Margins
  • Copies of your Contracts, Agreements, or Purchase Orders with your Customers
  • Revenues of $25,000-$10,000,000 per month
  • Invoices free of Tax Liens and Other Encumbrances
  • No Open Bankruptcies
Beer, Wine, and Spirits Financing


Paragon is a proud associate member of the Wine & Spirits Wholesalers of America (WSWA). Also, Paragon is one of the few specialty wines and spirit finance company members.

Get fast funding for your beer, wine, and spirits company today!

Apply Securely, call 888-400-5931 ext 1 or email us.

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