Textile & Apparel Financing: PO Financing, Invoice Factoring & Scaling Studio | Factor & Fund
Fast Fashion, Tight Margins: The Cash Flow Challenge
In the textile and apparel world, staying ahead of trends and big orders means tying up huge capital in fabric, production, and labor – often months before payment lands. Whether you’re producing collections for a retail giant or selling to wholesalers worldwide, seasonal demand swings and long client terms can freeze your cash just when you need to buy materials, pay teams, or seize new opportunities.
At Factor & Fund, we’re the partner who understands inventory crunches, rush orders, and the reality that fashion waits for no one.
The Funding Cycle: Solutions that Fit the Textile Industry
Purchase Order (PO) Financing: Get Materials Now, Deliver Without Delay
Big retailer just placed a game-changing PO? Suppliers need payment upfront, but your capital is tied up in production or past orders. PO Financing pays your vendors directly—covering fabric, dyes, trims, and packaging—so you fulfill even the largest contracts without draining reserves.
- Scale new lines, meet seasonal spikes, or take on export orders with confidence
- Negotiate better terms and pricing with suppliers by paying on time
- Enter new markets without risking core operations
Invoice Factoring: Cash Out Immediately After Shipping
Once goods ship, invoice factoring advances up to 95% of your invoice value—so you can restock, launch the next collection, or make payroll long before retailers pay.
- Bridge buyer payment cycles, especially for boutiques, department stores, or global importers
- Avoid credit crunches and keep talent, production, and shipping flowing
Scaling Studio: Out-of-the-Box Growth for Forward-Thinking Brands
Our Scaling Studio helps fashion and textile firms move beyond survival mode.
- Implement just-in-time inventory for capital savings
- Upgrade equipment or add automation for speed and consistency
- Diversify sourcing and supply chains to handle disruption or sudden growth
- Coach on compliance, sustainability, and global logistics—unlocking new opportunity
Why Choose Factor & Fund for Your Textile & Apparel Business?
- Fashion-savvy financing built for creators, manufacturers, and distributors
- Lightning fast approvals and funding (even for startups and new lines)
- Real insight into apparel cash flow cycles and marketplace shifts
- Flexible, global solutions for both domestic and export-driven brands
FAQ
Is PO financing just for big brands?
No—any apparel company with large, credible orders (even a new brand) can qualify.
Can you finance overseas production or imports?
Yes! Global POs, factories, or suppliers are eligible.
How fast does funding happen?
PO financing and factoring approvals can happen in weeks – with funds available in as little as 24–48 hours.