How the Alcohol Industry Factoring Process Works

Alcohol industry factoring solves cash flow issues that arise when a beer, wine, or spirits beverage producer or distributor makes a business-to-business sale and invoices their customer. They often wait weeks – or even months – for the customer to pay. By factoring customer orders instead, they eliminate the time spent waiting for customers to pay and get immediate access to the working capital represented in the invoice amount.

Overview of the beer, wine, and spirits invoice factoring process: 

Day One:
Generate an invoice and factor it.  Get a same day advance of up to 95% of the invoice amount in exchange for a low factoring fee – your factoring rate could be as low as 5%, or even lower.

Day 30-60-90+:
The customer pays the invoice and any amount held in reserve (the difference between the advance amount and the factoring fee) is also returned to your business.

Alcohol Industry Factoring Speeds Up Business Cash Flow


Get information about financing options for the beer, wine and spirits industry in 24 hours – or even faster.


You could go from approval to your first funding in as little as 24-48 hours.


Get working capital for equipment, to fund expansion, make repairs – just about any business reason you choose.

Speed Up Cash Flow

Beer, wine and spirits invoice factoring speeds up cash flow. Grow your business faster by factoring invoices instead of waiting 30, 60, 90 days or longer for customers to pay.

Find out more about financing opportunities

Expedite Beverage Producer and Distributor Cash Flow Using Alcohol Industry Factoring Services

Invoice factoring is a cash flow management tool that is commonly used by organizations with manufacturing and distribution business models, including wineries, vintners, brewers / breweries and beverage distributors in the U.S. wine and spirits industry.

Instead of waiting 30, 60, 90 days – or even longer – for customers to pay, beverage producers and distributors can factor customer invoices with a receivables financing company and get a same day advance of up to 95% of the face value of the invoice amount.

Day 1 Customer Invoiced $12,000
95% Advance to Your Company $11,400
5% Factoring Fee $     600
Day 30-60-90-?
Customer finally pays in full, any amount held in reserve is returned to your company

Expediting cash flow using alcohol industry factoring enables faster business reinvestment and growth, reduces overhead related to accounts receivable activities, and makes it easier for organizations with longer cash flow cycles to meet payroll and other operating expenses. Plus, since concern about how fast customers pay is a thing of the past, they can extend generous customer payment terms as a competitive advantage.

Why factor invoices with Corsa Finance?

  • Who could benefit from alcohol industry factoring?

Many different types of companies in the Beer, Wine and Spirits industry may be able to use factoring to expedite cash flow by factoring, including:

  • Beer, Wine, Spirits or Beverage Producers
  • Beer, Wine, Spirits or Beverage Distributors
  • Breweries, Craft Brewers, Distilleries, Distillers, Vintners and Wineries (B2B Sales)

The alcohol beverage industry supports more than 4 million jobs and pays almost $70 billion in federal, state, and local taxes. The Economy of Alcohol is too big to fail, so funding is needed to keep the industry thriving. So what can alcohol industry executives expect from Corsa Finance?

Low factoring rates and high advances are just the beginning. Our wine and spirits invoice factoring clients enjoy many other program benefits, such as:

  • Low factoring rates – as low as 5% (or lower, ask about volume discounts!)
  • High advances up to 95% with fast funding
  • No factoring minimums – do what’s best for your company
  • No application, due diligence, or hidden fees
  • No long-term contracts
  • Retain control of invoicing or task the factoring company and reduce your overhead
  • Fast approvals and free credit checks on customers

We offer alcohol industry invoice factoring services delivered with professional customer service, day in and day out. Submit an inquiry, and we’ll reach out with a free quote and the information you need to determine whether factoring or other types of financing would benefit your company.

  • Beer, Wine and Spirits Invoice Factoring Scenario

The Best Washington Wine company (BWW) is an established wine producer whose latest wine releases captured the admiration of wine critics and the attention of a big box retailer. After doing in-store tastings, the big box retailer places a large order from BWW for three of wines they plan to release in the fall.

Although BWW has substantial assets on the books in the form of unpaid customer invoices, they need to access the working capital tied up their largest accounts receivable invoice immediately, in order to obtain the bottling supplies and pay for the manpower that will be needed to fulfill the big box retailer’s upcoming order.

BWW factors a customer invoice in the amount of $12,000, gaining immediate access to 95% of face value of the invoice. Cash in hand, they are able to purchase the supplies needed to fulfill larger orders and keep their current customers happy, too.

We would be happy to answer any questions you have about alcohol invoice factoring to help you determine whether this financial tool could help your organization expedite cash flow so that you can grow your business more quickly, fulfill large orders or take on bigger accounts, leverage working capital for supplier discounts, or meet operating and payroll expenses.

Request a free quote and get answers in 24-48 hours – or even faster. Once approved, go from approval to your first funding in 1-2 business days.

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