FOOD & BEVERAGE MANUFACTURING • LINE OF CREDITFood and beverage manufacturing financing — keep production runs on schedule
Loot offers food and beverage manufacturers and co-packers an unsecured business line of credit from $5,000 to $100,000. Use it to cover ingredient costs, a co-packing contract ramp-up, seasonal production runs, or food safety and compliance costs, without draining the cash needed to keep every other order moving. Established food and beverage manufacturing businesses with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Food and beverage manufacturing challenges: ingredients, co-packing ramp-up, and compliance costs
Food and beverage manufacturers and co-packers often need to buy ingredients and run a full production shift long before a retail or restaurant client's payment lands, especially on extended payment schedules common with grocery and foodservice buyers. A new co-packing contract or a seasonal production run can require a bigger ingredient buy and more staffing upfront, and food safety certifications and compliance costs come due regardless of that month's cash flow.
Purchase ingredients before a retail or restaurant client payment arrives- Ramp up a new co-packing contract or seasonal production run
- Cover food safety certification and compliance costs
Where a food and beverage manufacturing line of credit does the heavy lifting
Six moments when production cash flow needs backup — and how a Loot line of credit can help.
Buy ingredients before a client payment arrives
A production run often requires ordering ingredients in bulk before a grocery, restaurant, or distribution client's invoice is paid, especially on extended payment schedules. A line of credit can help secure ingredients without pulling cash away from the rest of the business.
Ramp up a new co-packing contract
Taking on a new brand to co-pack for can require additional ingredients, packaging, and production labor before that first order ships and pays out. A line of credit can help fund the ramp-up period so a new contract doesn't strain existing production.
Run a seasonal or holiday production cycle
Holiday flavors, summer beverages, or other seasonal products often require a bigger ingredient buy and extra shifts weeks or months before that season's sales come in. A line of credit can help fund the stock-up period ahead of demand.
Cover food safety certification and compliance costs
SQF, HACCP, or other food safety certifications and inspections come with real costs and their own renewal schedule, regardless of how a given month's cash flow looks. A line of credit can help cover certification and compliance costs without pulling cash away from production.
Cover production payroll across a run
Production staff still need to be paid whether a run is half-finished or ready to ship. A short-term draw can help cover payroll without taking cash away from ingredients or packaging.
Handle equipment repairs and downtime
A mixer, filler, packaging line, or refrigeration unit going down can affect every order in the plant, not just one. A line of credit can help cover repair costs or a rental replacement before downtime delays the whole production schedule.
How a food and beverage manufacturing line of credit helps
A business line of credit for food and beverage manufacturers and co-packers provides flexible capital for ingredients, production ramp-up, and compliance costs. Draw loot when needed, repay as client payments come in, and keep production runs on schedule.
Loot for ingredients
Draw capital instantly to stock ingredients for the next production run.
No hidden costs
Only pay for what you use — no extra fees added to the bill.
Fits any production size
From a small co-packer to a multi-line food or beverage facility, the line flexes with your needs.
Trusted by food and beverage manufacturers
Built by operators who understand extended retail payment schedules, seasonal production swings, and food safety compliance costs. Transparent pricing, no hidden costs.
Speed that keeps a production run on track
From application to funding, Loot provides food and beverage manufacturers with capital faster than a production delay can set in.
Flexible like a production calendar
Use a little or a lot. Repay as client payments clear. Scale limits as the business grows.
How a Loot line of credit works for a food or beverage manufacturing business
Say your business needs $26,000 for an ingredient order, extra production shifts to ramp up a new co-packing contract, and a food safety inspection fee. With Loot, you can draw $26,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If the client pays sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for food and beverage manufacturing financing
To qualify with Loot, your food or beverage manufacturing business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Food and beverage manufacturing line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your production business needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, available credit returns as you repay | No, it is a one-time loan* | Yes, available credit returns as you pay |
| Best for | Ingredients, co-packing ramp-up, and compliance costs | Purchasing a production line or packaging equipment outright | Smaller purchases and everyday expenses |
A term loan* may suit purchasing a production line or packaging equipment outright. A business credit card may work for smaller day-to-day expenses. A line of credit can support recurring production costs — ingredients, co-packing ramp-up, and compliance — while retail and restaurant clients are still on extended payment schedules.
What food and beverage manufacturers and co-packers can use a line of credit for
- Ingredient and raw material purchases
- Co-packing contract ramp-up costs
- Seasonal production run stock-up
- Food safety certification and compliance costs
- Production payroll across a run
- Equipment repairs and rentals
- Net-30/net-60 client payment gaps
- Cold storage and warehousing costs
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for food and beverage co-packers
Financing for co-packers can help cover ingredients and production labor before a new client's first order ships and pays out. Ramping up for a new brand often means added costs before that relationship generates revenue. A line of credit can help bridge that gap.
Financing for private-label food manufacturers
Financing for private-label food manufacturers can help cover ingredients and packaging before a retail client's payment lands. Retail and grocery buyers often pay on extended payment schedules even after product ships. A line of credit can help smooth that gap.
Financing for seasonal food and beverage production
Financing for seasonal food and beverage production can help fund a bigger ingredient buy and extra shifts ahead of a holiday or seasonal launch. A line of credit can help a manufacturer scale up a seasonal run before that season's sales pay it back.
Financing for food safety and compliance costs
Financing for food safety and compliance costs can help when a certification renewal, inspection fee, or audit cost comes due. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if client payments clear sooner.
Financing for beverage manufacturers
Financing for beverage manufacturers can help cover ingredients, bottling or canning costs, and packaging before a distributor or retail client pays. A line of credit can help keep production moving between orders.
Financing for growing food and beverage manufacturers
Financing for growing food and beverage manufacturers can help fund an additional production line, more staff, or a larger ingredient order needed to take on bigger contracts. A line of credit can give a growing manufacturer the working capital to say yes to bigger opportunities.
Food & beverage manufacturing financing FAQs
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Food and beverage manufacturers can get a decision in minutes, and same-day approval is standard. Once approved, same-day funding is available for a $49 transfer fee.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Food and beverage manufacturers and co-packers can use a Loot line of credit for ingredients, production payroll, compliance costs, equipment repairs, and other business expenses. You see the total cost before confirming and only pay when you draw.
Yes. A line of credit can help cover the added ingredients, packaging, and labor a new co-packing contract often requires before that client's first order pays out.
Yes. A revolving line of credit can help cover production costs while waiting on extended retail or restaurant client payment schedules, so a manufacturer doesn't have to slow down production to manage cash flow.
No. Equipment financing is usually tied to a specific piece of equipment as collateral. A Loot line of credit is unsecured working capital you can use for ingredients, payroll, compliance costs, or any other business need — not limited to a single purchase.
Apply for food and beverage manufacturing financing today
If you're buying ingredients before a retail client's payment lands, ramping up a new co-packing contract, or covering food safety compliance costs, a line of credit can give your manufacturing business more room to move.
Get $5,000 to $100,000. Apply in minutes with a soft pull that will not impact your credit score. If approved, you can draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49