Accounts Receivable Financing for Retail & CPG Businesses

Don’t Let Open Invoices Empty the Shelf

Once products are sold, fulfilled, and invoiced, Alterna can help turn eligible receivables into working capital for the next order cycle.

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Fast, Credible Funding For Invoice-Based Retail Brands

Paychex Backing

Move forward with confidence and stable funding backed by Paychex.

48-Hour Approval

Get approved in as little as 48 hours, so delayed payments don’t slow the next order.

Same-Day Funding

Access same-day funding to support supplier, freight, and fulfillment costs.

B2B Invoice-Based

Designed for businesses that sell to other businesses and invoice for payment.

 Your Next Order Shouldn’t Wait On An Open Invoice

Retail and consumer goods brands often pay for inventory, packaging, suppliers, freight, and fulfillment before customer payments arrive. When cash sits in open invoices, the next replenishment window can get harder to hit.

Inventory Replenishment

A fast-moving SKU can need a reorder before cash from the last shipment comes in.

Supplier Costs

Supplier bills don’t always line up with retail payment terms—yet deposits, production costs, packaging, and ingredients still need to be paid.

Fulfillment & Shipping Expenses

The order may be out the door, but 3PL fees, freight charges, and delivery costs hit right away.

Seasonal Demand

A holiday window or product drop doesn’t wait for clean cash flow. Which leaves you to commit to inventory while receivables are still open.

Delayed Customer or Wholesale Payments

Retailers, distributors, ecommerce partners, and commercial buyers may pay on terms that stretch weeks past shipment.

Missed Revenue from Stockouts

When product runs out, the sale can disappear. The customer buys another brand, the retailer fills the slot, or the next PO gets smaller.

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Turn Retail Receivables Into Working Capital

Retail receivables can do more than sit open until the customer pays. Alterna helps product-based businesses turn eligible invoices into working capital, with support for customer risk, payment activity, and open balances.

Invoice Funding

When the invoice is out, but the cash is still weeks away, funding brings money back into the business. That cash supports replenishment, supplier costs, packaging, freight, or your next order cycle.

Credit Research

A big retail account can change the business, but the payment terms matter. Alterna helps you look at customer credit before one large order ties up cash.

Cash Application

Retail and CPG payments come in across different accounts, invoices, and buying groups. Alterna helps connect payments back to the right balances, so your team can see what is paid and what still needs attention.

Collection Support

Alterna helps follow up on open invoices, so your team isn’t carrying every payment conversation alone while managing orders, buyers, and replenishment.

Why Retail Funding Feels Different With Alterna

Speed

Alterna can move from review to approval in as little as 48 hours, giving retail and CPG brands a faster path than a traditional bank process.

Flexibility

Fund the invoices that make sense for your business instead of locking every customer account into the same funding approach.

Partnership

Get a funding team that understands receivables, customer credit, payment timing, and the pressure behind retail growth.

“Despite the business climate being highly uncertain, the Alterna team was supportive of our plan”

“We finished 2021 with a banner year, followed by a strong 2022. Alterna Capital Solutions has been a great partner, responding quickly and constructively to our business needs.”

Jim Riedman

CEO, Phoenix Footwear Group

How Retail Brands Accelerate Growth With Alterna

Learn how Alterna helps businesses turn unpaid invoices into working capital that drives real business results.

  • CASE STUDY

    $8M Rescues Footwear Manufacturer Dropped by Traditional Lender

    Hit by severe industry delays and a business slowdown, a California-based footwear manufacturer turned to a custom capital structure to ensure long-term cash flow stability.

    Read Case Study Read More Case Studies

Your Next Move May Be In Your Invoices

If your brand is growing and invoices are sitting open, Alterna can help you explore a funding path built around your business.

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Frequently Asked Questions About Accounts Receivable Financing For Retail Businesses

Accounts receivable financing for retail helps B2B retail, ecommerce, and CPG businesses access cash from eligible unpaid invoices. Instead of waiting on customer terms, brands can use invoices they have already earned to create retail working capital for inventory, fulfillment, supplier payments, and growth.

Invoice funding for retail can turn eligible open invoices into cash sooner. That gives product businesses more room to reorder fast-moving SKUs, pay suppliers, cover packaging costs, or prepare for the next purchase order.

Yes. Big-box growth can come with bigger inventory commitments, packaging rules, routing guides, chargebacks, and longer payment terms. Retail invoice financing can help fund unpaid retail invoices, so a major account does not drain the cash needed for the next order cycle.

Alterna can approve eligible consumer goods businesses in as little as 48 hours. After approval, same-day funding may be available when retail invoices are ready to fund.

Unlike a bank loan, Alterna focuses on eligible receivables and the creditworthiness of your customers instead of leaning on long approval timelines, collateral, and future projections. For retail and CPG brands, that creates a funding path based on invoices already earned. Merchant cash advances often pull from daily card sales; Alterna’s funding is tied to receivables from business customers.

Yes. Seasonal demand often asks brands to commit cash before the sales window opens. Funding unpaid retail invoices can help cover inventory, supplier costs, packaging, freight, or the next order cycle.

Yes. Along with funding unpaid retail invoices, Alterna helps with customer credit, payment application, and collection follow-up. That gives product brands more support across the receivables process.