Struggling to fund your CPG business as you scale into major retailers like Walmart and Target? Emily Reeves, VP of Capital Solutions at Bridge Marketplace, reveals how consumer product founders can access working capital without giving up equity. In this episode, discover proven financing strategies including purchase order financing, invoice factoring, and asset-based lending that help small businesses manage cash flow during critical growth phases. Learn why traditional banks often fail CPG companies, and what alternatives exist to fuel your retail expansion.
About This Episode
Welcome to DissedMedia: A Startup Story! In Episode 40, host Ben sits down with Emily Reeves, Vice President of Capital Solutions at Bridge, to decode the complex world of CPG financing and small business capital. If you're a founder struggling to understand how to fund inventory, manage cash flow, or scale your consumer packaged goods business into retail, this episode is your roadmap.
What You'll Learn
CPG Funding Fundamentals:
How to access working capital for growing consumer product businessesThe difference between purchase order financing, invoice financing (factoring), and asset-based lendingWhy non-dilutive financing options preserve your equity while funding growthReal costs of financing: Understanding APRs and avoiding predatory lenders like merchant cash advances (MCAs)Retail Expansion Challenges:
The hidden costs of getting products on shelves at Walmart, Target, and CostcoWhat slotting fees, deductions, and promotional costs really mean for your marginsHow to calculate your cash conversion cycle and why it mattersManaging purchase orders when retailers forecast $20M but only order $4MCapital Solutions & Strategy:
How Bridge Marketplace connects small businesses with 200+ lenders in one platformWhy timing matters: Applying for financing before you need itStrategic use of debt vs. equity in CPG business growthThe role of tariffs and supply chain disruptions in financing needsNot understanding your numbers (COGS, margins, cash flow)Taking on expensive debt (30-56% APR!) because it's "fast and easy"Underestimating retail costs and not building proper margin buffersRelying too heavily on accountants instead of knowing your business metricsWhy This Matters for CPG Founders
Whether you're launching a food and beverage brand, scaling a consumer products startup, or navigating the transition from DTC to wholesale retail, understanding business financing options is critical. Emily shares real-world examples of founders who succeeded, and those who struggled, because of their approach to capital.
Who Should Listen
CPG founders and entrepreneurs scaling into retailSmall business owners seeking alternatives to traditional bank loansConsumer product companies navigating working capital challengesAnyone interested in startup funding and small business capital strategiesFounders considering SBA loans, equipment financing, or inventory financingGuest Bio
Emily Reeves is Vice President of Capital Solutions at Bridge, where she helps consumer packaged goods companies access the capital they need to grow. Starting her career in factoring (accounts receivable financing), Emily has spent years specializing in CPG lending, working with everyone from emerging brands to companies doing tens of millions in revenue. She's passionate about making business financing accessible and transparent, and helping founders avoid the pitfalls of predatory lending.
Bridge is a capital marketplace that connects businesses with over 200 lenders, offering financing solutions from $10K to $2M+. The platform serves CPG companies, franchises, and retail businesses seeking working capital, purchase order financing, and growth capital.
Connect with Emily Reeves
LinkedIn: Emily Reeves
Company: Bridge Marketplace
Resources Mentioned
Bridge Marketplace platformFactoring and accounts receivable financingSBA 7(a) loansPurchase order (PO) financingAsset-based lendingSupply chain financing solutionsRelated Episodes & Topics
If you enjoyed this episode on CPG funding and small business capital, you'll also want to check out our previous episodes on:
Venture capital for startupsCrowdfunding strategiesMarketing for CPG brandsBuilding sustainable business modelsCash flow management for foundersSubscribe & Share
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