Working Capital for Textile & Apparel Manufacturing
Textile and apparel manufacturers buy fabric, trim, and notions well ahead of a production run, then wait out retailer and wholesale payment terms that can stretch long after garments ship. Paz Working Capital helps textile and apparel businesses fund fabric purchases and production payroll between seasonal collections.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so textile & apparel manufacturing never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Fabric, trim, and notions are typically purchased in bulk ahead of a production run, often with deposits required to secure mill capacity.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Retail and wholesale buyers commonly pay on net-30 to net-60 terms, sometimes longer, after a shipment is delivered and accepted.
One approval, draw what you need, and return for additional funding as your textile & apparel manufacturing business performs. Apparel demand shifts by season, so production and payroll often have to ramp up well before a new collection generates any revenue.
Buy fabric, trim, and notions ahead of a seasonal production run
Cover production payroll while retail and wholesale invoices are outstanding
Fund the ramp-up in staffing and materials ahead of a new seasonal collection
Yes. Paz Working Capital can be used to purchase fabric, trim, and notions in bulk ahead of a seasonal production run, including mill deposits.
Yes, funds can be used to cover production payroll and overhead while retail and wholesale invoices are still outstanding.
Yes, funds can be used for seasonal staffing and material purchases ahead of a new collection, or any other legitimate business expense.
Paz funds textile & apparel manufacturing from $2,500 to $5,000,000. Most textile & apparel manufacturing qualify for $30,000 - $300,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Textile & Apparel Manufacturing funding, approved in as little as 24 hours