What short-term cashflow financing options are available for small spirits businesses beyond traditional invoice financing?

For spirits businesses needing quick cashflow to fund production orders, members identified several options beyond invoice financing:

- **Capital on Tap credit card** — interest-free if balance is paid off when due; flagged as a low-friction option for short-term working capital. - **Treyd** — specialises in stock funding for drinks businesses; mentioned as a viable option for financing inventory production. - **Ferovinum** — also offers stock funding but members warned of potential communication issues ("beware ghosting"). - **Purchase order financing** — members have explored this route, though noted it can be difficult to find providers willing to work with spirits businesses outside the whisky category.

The challenge flagged: traditional invoice financing doesn't help with upfront production costs since payment only arrives after stock delivery. For a £500k production order over 6 weeks, stock-funding options like Treyd or Ferovinum may be more relevant than invoice-based products. However, stock funders can be patchy in responsiveness, so thorough due diligence and communication testing is advisable before commitment.