Food manufacturing operates at industrial scale — producing packaged food products at volume for retail distribution, foodservice channels, or contract manufacturing for consumer brands. Capital intensity is significant: production lines run $100K-$1M+, packaging equipment $50K-$300K, warehouse/cold storage measured in thousands of square feet, and accounts receivable financing for the typical 30-60 day payment terms from retail and distributor customers.
Prime Restaurant Capital funds food manufacturers, co-packers (manufacturing for other brands), and CPG food businesses producing their own branded products. Funding ranges from $50K (single equipment purchase) to $1M (production line expansion or facility upgrade).
Food Manufacturing Capital Use Cases
Production Line Equipment
Food manufacturing production lines combine multiple specialized pieces of equipment: mixers, cookers, fillers, packagers, sealers, and quality control equipment. A complete production line for ready-to-eat foods runs $200K-$1M+. Equipment financing structures over 60-84 months due to the long useful life of industrial equipment.
Packaging Equipment
Packaging is often a separate capital line. Bottle filling lines, jar packaging, vacuum-pack equipment, retort packaging for shelf-stable products, labeling machines, case packers, palletizers. Modern automated packaging lines can run $300K-$800K.
Cold Storage and Warehouse
Food manufacturers require massive cold storage capacity — often dedicated walk-in coolers and freezers, blast chillers for rapid product cooling, climate-controlled dry warehouse, raw material storage, and finished goods staging. Equipment and renovation financing combine for warehouse build-outs.
Accounts Receivable for Retail and Foodservice Customers
Retail customers (grocery chains, club stores) typically pay net-30 to net-60. Foodservice distributors pay similarly. With significant monthly invoicing outstanding, food manufacturers benefit from invoice factoring or receivables-based working capital.
Food Manufacturing Funding Qualifications
- Operating food manufacturing business in the US — minimum 12 months
- Monthly revenue $30K+ (most manufacturers we fund do $50K-$500K monthly)
- Required food safety certifications (FDA registration, applicable HACCP, etc.)
- Credit score 580+ preferred
