Industries

Food & Beverage

Zenith's insurance-backed financing empowers food and beverage companies to optimize cash flow and stay competitive — without the burden of secured debt.

Enhance Production Capacity

Delivering insurance-backed financing that unlocks liquidity and fuels growth

Empower your business with scalable credit facilities ranging from $1M to $50M+

  • 1000+

    More than 1,000 successful transactions completed.

  • $500M

    Over $500 million in supplier invoices accelerated and invested.

  • $50M-$1.5B

    Typical client revenue ranging from $50 million to $1.5 billion.

Empowering Manufacturers

Sustain & Scale

In the food and beverage industry, keeping operations running smoothly requires more than just fresh ingredients—it takes reliable cash flow. Zenith ensures you have the liquidity needed to source quality ingredients, meet seasonal demand, and scale production while maintaining product excellence.


Our innovative financing solution provides collateral-free working capital, extended payment terms, and fast approvals (in as little as 2–3 weeks), giving you the agility to invest in growth and streamline operations.

  • Seasonal Flexibility
  • Asset-Friendly Funding
  • Robust Supply Chain
  • Rapid Capital Access
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Empowering Growth Through Smart Financing

our approach

Experience a funding solution that extends your payment terms up to 180 days—boosting cash flow, strengthening supplier relationships, and fueling sustainable growth without collateral or added debt.

Swift Approvals

Unlock funding in as little as 2–3 weeks without compromising supplier ties.

Extended Terms

Enjoy payment terms up to 180 days for enhanced liquidity.

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how it works

Access the Capital You Need in Just 4 Steps

Our 4-step process helps you access capital without added debt or collateral. Dive deeper into the process to see how we can fuel your growth and strengthen your supplier relationships.

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  • Application Submission

    Submit an application for credit review and initial assessment. Zenith’s team analyzes your supplier payment structure and identifies optimal working capital opportunities.

  • Underwriting Evaluation

    Zenith's underwriting team evaluates financial statements and supplier payment histories to assess credit profile and establish appropriate credit limits.

  • Capital Deployment

    Upload invoices to Zenith's payable portal up to your approved credit limit. Zenith pays suppliers directly and gives you up to 180 days to repay.

  • Working Capital Optimization

    Extended payment terms unlock liquidity while preserving trade payable classification, avoiding restrictive covenants and collateral requirements.

case studies

Success Stories That Matter

More Helpful Insights
  • Asian Suppliers

    Furniture Retailer Maximizes Supplier Discounts

    Manufacturing
    • $15MFacility
    • $550M
      Revenue
    Read Case Study
    Electronics Distributor Maximizes Supplier Discounts
  • Costco, Whole Foods

    Cookie Manufacturer Lowers Costs with Early Pay Discounts

    Food & Beverage
    • $10MFacility
    • $250M
      Revenue
    Read Case Study
    Cookie Manufacturer Lowers

Frequently Asked Questions

Expert Guidance On Unlocking Supply Chain Capital

How much can we save?

Most suppliers offer early payment discounts of 1-5% for paying within 10 days. With Zenith’s solution, you can capture these discounts while extending your payment terms up to 180 days. For many clients, these supplier discounts exceed our financing costs, creating net savings while improving working capital.

What are the rates?

Our insurance-backed model allows us to offer competitive rates ranging from 0.5% to 1.25% per 30 days based on your risk profile and volume. This pricing sits well below mezzanine financing while offering flexibility conventional bank financing cannot match – without collateral requirements or restrictive covenants.

Do I need to involve my suppliers?

No. Unlike traditional supply chain finance programs, Zenith’s solution requires no supplier contact or onboarding. Zenith simply pays suppliers directly on your behalf. This maintains your existing supplier relationships while still optimizing your working capital.

How is it treated from an accounting perspective?

Zenith’s unique financing structure is designed to be classified as a trade payable on your balance sheet, not as debt. This typically allows for off-balance sheet classification, which many of our clients maintain due to our specialized documentation and program structure. However, accounting approaches can vary based on specific implementation details and your organization’s policies. We recommend consulting with your accounting team or auditors to confirm the appropriate classification for your particular circumstances.

How are auditors going to view it?

Most auditors classify Zenith’s financing as a trade payable due to our unique structure and documentation. This typically allows for off-balance sheet classification, preserving key financial ratios. However, final determination depends on your specific implementation and auditor policies. We can provide documentation that has supported this treatment for our existing clients to share with your audit team.

How long does it take to implement?

Zenith’s implementation process can be as quick as 7-10 days from first contact to funding. The typical timeline includes:

  • Initial discussion and NDA signing (1 day)
  • Preliminary term sheet after credit insurance approval (2-3 days)
  • Credit call and platform demonstration (1-2 days)
  • Final approval and documentation (1-2 days)
  • First invoice funding (immediate upon final approval)

While this accelerated timeline is possible, most implementations naturally spread over 2-4 weeks to accommodate client schedules and internal processes. This is still significantly faster than traditional financing solutions that typically require months to implement.

What do I need to qualify?

To qualify for Zenith’s financing solution, your company should meet these key criteria:

  • Audited or reviewed financial statements
  • Annual revenue between $25M and $1.5B
  • Positive equity position
  • Positive results from operations (operational profitability, even if there’s a net loss)

We evaluate each application individually and can sometimes accommodate situations that don’t perfectly match these guidelines.

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Latest Insights and Resources

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whitepaper

Optimizing Working Capital in a Changing Economy

Actionable insights to optimize your business's liquidity during challenging times.

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Fill out the form below with your details and select your industry. If you’d like to book a consultation, please give us a call directly.

Zenith Partner Program

Expand Your Portfolio & Unlock New Revenue Opportunities

Join our exclusive network and offer your clients innovative, insurance-backed supply chain finance. Fill out the form below to request more information and download our detailed Partnership Program PDF.

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